Debt collection -- Attempts to collect debt not owed -- Complaint #4456341
Complaint Overview
Complaint ID: 4456341
Company: American First Finance, INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Oregon
ZIP Code: 972XX
Date Received: 2021-06-13T12:00:00-05:00
Date Sent to Company: 2021-06-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I tried to look at Furniture through XXXX XXXX XXXX online XX/XX/XXXX. I wanted to see what the financing terms of furniture would be, so I completed the financing check online through American First Finance. I was approved XX/XX/XXXX through American First Finance for a loan. I did not purchase ANYTHING through any furniture retailer online. I did not receive any money through American First Finance to my bank account. American First Finance began charging me for a loan of {XXXX}. I called them multiple times during the week of XX/XX/XXXX and XXXX, XXXX, regarding this loan. They told me the money would be deposited to my account and thats why I was to repay this amount. The money never came. I had to switch banks to get the automatic payments to stop. I just received a letter from XXXX XXXX XXXX for this fraudulent debt in the amount of {XXXX}, dated XX/XX/XXXX.
Frequently Asked Questions
What is Complaint #4456341 about?
Complaint #4456341 was filed against American First Finance, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-06-13T12:00:00-05:00.
How did American First Finance, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against American First Finance, INC.?
Yes, visit the American First Finance, INC. company profile at readthecomplaint.com/company/american-first-finance-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.