Personal, payday and title loans
American First Finance: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 51
- Closed with money back
- 9
- 2023 to 2025
- 19 to 15
American First Finance received 698 complaints from everyone in the window; 51 carried the servicemember tag. The complaints are mostly about payday loan, title loan, personal loan, or advance loan, and the single most common issue is "Incorrect information on your report". 9 of the 51 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count fell from 19 in 2023 to 15 in 2025.
What the complaints are about
By product
| Payday loan, title loan, personal loan, or advance loan | 17 |
| Credit reporting or other personal consumer reports | 10 |
| Debt collection | 7 |
| Credit reporting, credit repair services, or other personal consumer reports | 6 |
| Credit card | 5 |
By issue
| Incorrect information on your report | 12 |
| Charged fees or interest you didn't expect | 11 |
| Attempts to collect debt not owed | 4 |
| Improper use of your report | 4 |
| Fees or interest | 3 |
| 2023: 19 | 2024: 17 | 2025: 15 |
Which accounts, specifically
| Installment loan | 22 |
| Credit reporting | 18 |
| I do not know | 5 |
| Store credit card | 4 |
| Other debt | 3 |
What went wrong, specifically
| Information belongs to someone else | 7 |
| Reporting company used your report improperly | 5 |
| Account information incorrect | 4 |
| Their investigation did not fix an error on your report | 4 |
| Debt was result of identity theft | 3 |
Busiest month: March 2023, with 6 servicemember complaints. Most were submitted by web.
Most complaints came from TX (8), SC (6), GA (5) , then PA, FL, VA.
How American First Finance answered
| Closed with explanation | 23 |
| Closed with non-monetary relief | 19 |
| Closed with monetary relief | 9 |
American First Finance responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Payday loan, title loan, personal loan, or advance loan; Problem with additional add-on products or services. TX, 2024-08-23. Outcome: Closed with explanation. Complaint 9899278
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Credit card; Problem with a purchase shown on your statement. CA, 2024-08-23. Outcome: Closed with non-monetary relief. Complaint 9891376
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Credit reporting or other personal consumer reports; Improper use of your report. PA, 2024-08-18. Outcome: Closed with explanation. Complaint 9841224
If this is your problem at American First Finance
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with personal, payday and title loans peers
- Wheels Financial 51 servicemember complaints; 0 with money back
- LendingPoint 56 servicemember complaints; 4 with money back
- Sop Pioneer Partners 43 servicemember complaints; 0 with money back
- Greensky Operations 61 servicemember complaints; 1 with money back
- Credit Fresh 62 servicemember complaints; 0 with money back
Next in the directory by volume: Hsbc North America, Phoenix Financial Services.
Frequently asked questions
How many complaints did servicemembers file against American First Finance?
51 complaints tagged servicemember were received by the CFPB about American First Finance, Inc. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count fell from 19 in 2023 to 15 in 2025.
What do servicemembers complain about most at American First Finance?
Payday loan, title loan, personal loan, or advance loan accounts for 17 of the 51 complaints, and the most common issue is "Incorrect information on your report" (12). Next: "Charged fees or interest you didn't expect" (11).
Does American First Finance give money back when a servicemember complains?
9 of the 51 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 19 closed with non-monetary relief and 23 closed with an explanation only. American First Finance answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.