CFPB Consumer Complaint Profile
American Finance LLC
The CFPB complaints on file 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
By CFPB complaint volume, American Finance LLC is #1915 out of 3,843 financial companies. On response speed it sits at the 33rd percentile among companies with 100+ complaints.
- Vehicle loan or lease
- most-complained product
- DE
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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
Reading this profile
Source: CFPB Consumer Complaint Database
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
In the CFPB record, American Finance LLC has a geographically concentrated complaint footprint. "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.
The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. This company's rate clears the industry benchmark, pointing to intake and escalation processes that are working as intended. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
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.
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.