CFPB Consumer Complaint Profile
American Finance LLC
46 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 46
- Total complaints
- Mid-range
- 10
- Last 12 months
- 95.7%
- Timely response
- Below median
- 11
- States affected
The verdict
46 CFPB complaints put American Finance LLC at #1915 out of 3,843 financial companies ranked by complaint volume. It posts a 95.7% on-time response rate, the 33rd percentile among companies with 100+ complaints.
- #1915
- of 3,843 companies by volume
- 95.7%
- on time (33rd pctile)
- Vehicle loan or lease
- most-complained product
- 11
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
American Finance LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
95.7% Around the middle higher than 33% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 2 |
| 2016 | 2 |
| 2017 | 2 |
| 2018 | 1 |
| 2019 | 6 |
| 2020 | 1 |
| 2021 | 2 |
| 2022 | 8 |
| 2023 | 6 |
| 2024 | 3 |
| 2025 | 12 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for American Finance LLC
46 complaints against American Finance LLC appear in the CFPB record, including 10 from the trailing year. The 11 states and territories represented put this footprint in geographically concentrated territory. "Vehicle loan or lease" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Incorrect information on your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against American Finance LLC draw a 95.7% reply rate inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Resolved cases drew a formal consumer-dispute rate of 0% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 6.5% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does American Finance LLC have?
The CFPB has logged 46 complaints against American Finance LLC to date, of which 10 came in over the last 12 months.
Does American Finance LLC respond to complaints on time?
American Finance LLC has a 95.7% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for American Finance LLC?
The most complained-about product for American Finance LLC is "Vehicle loan or lease." You can view the full product breakdown on this page.
What is the most common complaint issue with American Finance LLC?
Consumers most often cite "Incorrect information on your report" when complaining about American Finance LLC; the full issue list with counts is above.
How do I file a complaint against American Finance LLC?
You can file a complaint against American Finance LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about American Finance LLC?
The CFPB has recorded complaints against American Finance LLC from 11 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for American Finance LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (0% here).
Also handles Vehicle loan or lease
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.