Debt collection -- Attempts to collect debt not owed -- Complaint #6074556
Complaint Overview
Complaint ID: 6074556
Company: American First Finance, INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Pennsylvania
ZIP Code: 19061
Date Received: 2022-10-11T12:00:00-05:00
Date Sent to Company: 2022-10-11T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
I bought Refrigerator through XXXX XXXX store & 3month finance through American First Finance XXXX101 days to pay off {$1400.00}. There was {$50.00} fee for application that was separate from amount to be financed. So three payments of {$240.00} to be paid XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. This would leave {$710.00} to be paid in full by XX/XX/XXXX, as XX/XX/XXXX fInance charges would be added. Additional payment of {$500.00} was paid on XX/XX/2022, and the remaining amount of {$210.00} ( this makes it paid in full ) paid on XXXX XXXX. Here it is XXXX & they American First Finance is attempting to take another {$240.00} and I had to put stop payment on it. I am out not only {$35.00}, but American First Finance made a 2nd attempt to take money that they were not entitled to & I have another {$35.00} fee to pay my bank.
Frequently Asked Questions
What is Complaint #6074556 about?
Complaint #6074556 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 2022-10-11T12:00:00-05:00.
How did American First Finance, INC. respond to this complaint?
The company responded with: "Closed with monetary relief". 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.