CFPB Consumer Complaint Profile

American Financial Network Inc.

What 247 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.

Data updated 2026-05-15

247
Total complaints
37
Last 12 months
92.3%
Timely response
36
States affected

The verdict

247 CFPB complaints put American Financial Network Inc. at #794 out of 3,848 financial companies ranked by complaint volume. It answers 92.3% of complaints on time - below the 93% median for companies with 100+ complaints.

#794
of 3,848 companies by volume
92.3%
answered on time
Mortgage
most-complained product
36
states with complaints
American Financial Network Inc. timely response rate 92.3%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Mortgage - Conventional home mortgage 78
Mortgage - FHA mortgage 68
Mortgage - VA mortgage 40
Credit reporting or other personal consumer reports - Credit reporting 15
Mortgage - Other type of mortgage 13
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 7
Mortgage - Conventional fixed mortgage 7
Mortgage - Other mortgage 5
Debt collection - Mortgage debt 3
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services 2

Top Issues

1.Closing on a mortgage 63
2.Applying for a mortgage or refinancing an existing mortgage 60
3.Trouble during payment process 49
4.Incorrect information on your report 16
5.Application, originator, mortgage broker 12
6.Struggling to pay mortgage 11
7.Settlement process and costs 6
8.Improper use of your report 6
9.Loan servicing, payments, escrow account 5
10.Credit decision / Underwriting 3

Complaints by Year

Year Complaints
2012 1
2013 1
2014 4
2015 7
2016 13
2017 14
2018 12
2019 14
2020 35
2021 23
2022 29
2023 30
2024 19
2025 39
2026 6

Complaints by State (Top 15)

California 43
Florida 39
Connecticut 22
Texas 21
New Jersey 17
Virginia 17
Tennessee 7
Delaware 6
Oregon 5
Illinois 5
Georgia 5
Washington 4
New York 4
Arizona 4
Pennsylvania 3

Company Responses

Closed with explanation 222
Closed with monetary relief 17
In progress 4
Closed with non-monetary relief 3
Closed 1

What the CFPB Complaint Record Shows for American Financial Network Inc.

American Financial Network Inc. carries 247 complaints in the CFPB's database, 37 of them filed within the past 12 months. Consumers spanning 36 states and territories have weighed in, giving this a multi-regional footprint. The single largest complaint category is "Mortgage," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Closing on a mortgage" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.

American Financial Network Inc.'s timely response rate stands at 92.3%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. The company's response was formally disputed in 13.8% of resolved cases, indicating how frequently the initial fix fell short. 8.1% of resolved complaints ended with some monetary or non-monetary relief for 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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

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 Financial Network Inc. have?

247 complaints have been filed against American Financial Network Inc. with the CFPB overall - 37 of them in the past year.

Does American Financial Network Inc. respond to complaints on time?

92.3% of the CFPB complaints against American Financial Network Inc. get a response within the expected window.

What product generates the most complaints for American Financial Network Inc.?

"Mortgage" draws more CFPB complaints against American Financial Network Inc. than any other product - see the full breakdown above.

What is the most common complaint issue with American Financial Network Inc.?

"Closing on a mortgage" is the single most frequently cited issue in complaints against American Financial Network Inc. - see all issues and counts above.

How do I file a complaint against American Financial Network Inc.?

You can file a complaint against American Financial Network Inc. 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 Financial Network Inc.?

Consumers in 36 states and territories have filed complaints about American Financial Network Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026