American Finance LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via
10/17/2022	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	DE 19901	Web
I have alot of issues it wont let me select multiple issues. But I will explain everything in this complaint. Sorry if I go off topic but like I said I have many issues. I was looking for a car in XXXX of 2021 I seen a vehicle at XXXX XXXX in XXXX Delaware I filled out the online credit application I write that I can afford XXXX dollars down and XXXX a month the next day American finance called and said I was approved I go get the vehicle put my money down everything change it went to XXXX a month to XXXX every 2 weeks I said something to XXXX the salesman told me we have our own insurance and it's cheaper then what your company just told me yes he spoke with my insurance company personally on the phone. I said ok so he said 1st payment would be your car insurance and your 2nd payment is our car payment I said ok will not even a 3 weeks later I discovered the lie the didnt have there own insurance in fact it was debit cancellation when my he talk to my car insurances rep and told him to get full coverage would be only a click of a button because he has insurance with us already on another vehicle. I called American Finance and said I was lied to and it had been 30 days yet can I return the car American Finance exact words was your the XXXX that signed the contract and hung up. I called back and spoke with a male by the name of XXXX XXXX told him I wanted to return the car because I was lied to so he look at my contract and confirmed that I have no insurance throu them in fact I have debit cancellation I said I pay every 2 weeks XXXX one payment is my insurance my 2nd payment would be my car payment he said no XXXX is your car payment and debit cancellation is already in your payment and you have a XXXX interest also I said I want to return the car I didnt have the car for 30 days yet I'm still on my warranty he told me there no return policy if you bring the car back we put it down as voluntary repossession we will take you too court of the amount of the loan which is XXXX plus court fees, repossession fees, lawyers fees, you think you paying XXXX a month at XXXX a every 2 weeks yo be paying XXXX a week cause when we take your people to court we always win ( you tell me what he mean by your people ) so a year later I'm paying every 2 weeks file complaint calling American finance nothing from American finance but total disrespect they charge you late fees for days that they not even open how can you be late if you giving them 2 years worth of car payments in one year XXXX loan is down to under XXXX dollars in one year they even repossessed the vehicle for late fees I was forced to pay almost XXXX dollars to get the car back I pay XXXX dollars every 2 weeks for debit cancellation and it was never used never got refunded nothing they in fact took my money and just left the loan the same. If it was a repossession my debit cancellation should had kick in and when I got the car back I should only finance the amount that was left on the vehicle. So what was I paying XXXX bi weekly. Just another way to boost up the charges up like they charged me for a 2 year tag and registration and only gave me one year tags went out XX/XX/XXXX and they still want a payment when they charged me XXXX interest rate on a 2 year tag but only gave me one never refunded my money never applied anything to my account but harassing phone calls about payments every 2 weeks but they wont even get me tag or new registration all they keep saying is we want our payment are we going to repossess your car again XXXX told me play with me if you want.we will repossessed it you the XXXX that signed the contract once again your people is fill of it what do they mean by your people. This company is loan sharks and disrespectful. American finance Mislead there customers they charge you at 60 month loan to get the high interest rate then they reword it as 60 payments and that's what they keep saying it's not 60 months its 60 payments so you got to pay 60 payments at every 2 weeks. what person in there right mind will agree to this if this was disclosure that it's not 60 months its 60 payments. Please tell me how can they get away with this turning 60 months loan into 60 payment loan but still can charge XXXX loan on 30 month loan cause every 2 weeks equal to 30 month loan interest rate at XXXX like state early my car hasn't been registered since XX/XX/XXXX and they still never gave me another another tag but call everyday for a payment and throw repossession in my face but still no tag or registration I cant even get a tag they never perform any maintenance on the car not even a oil change in over a year made a complaint about the tire monitor sensor since I had the car with my warranty they refused to fix it and that one reason why it wont pass along with other thing I been complain about nothing but every 2 weeks a harassing phone calls about there payment. The charge interest rate everyday when it say in the contract after 10 days theus company a rip off.. they need to be stop. In there words its design to hurt my people
11/03/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem related to refinancing	DE 19720	Web
After purchasing the XXXX XXXX XXXX from XXXX XXXX, XXXX DE in XXXX of XXXX, I agreed to lease the vehicle with American Finance Company. After test driving the vehicle, I noticed that they had the air conditioning blasting in mid- XXXX. The car drove great, and there were no indication lights on. After driving it off the lot, I turned off the air. In two days, the engine light came on, and so I took it back to XXXX Co. The mechanic stated that there was a small part on the engine the size of a pea that was bad. I had a warranty on the vehicle. American Finance immediately stated that I had to take the car to their service station. Which I did. After a week or so I picked up the vehicle. Soon after, American Finance called and stated they needed to place a device inside of the car. Right after that, I drove the car, and there wasn't any light on, and then a few weeks later, the engine light came on again. I called the warranty station, and they stated that the warranty had expired. I took it to auto zone, and they stated something about the coolant pack, and that they couldn't read the codes. I took it to a mechanic, and they took the car apart, and still couldn't find what was wrong with it. I kept putting coolant in the car, and nothing worked. By this time, I had already paid American Finance XXXX, and the car total was XXXX. I told them several times, after purchasing the vehicle that something was wrong with it, and that their company didn't fix the car. They stated, 'well that really your problem. The car would break down in odd places, and frequently. American Finance picked up the broken car with my things inside. While at their gated facility, they broke the window in my car, and some of my personal items were stolen. They called me the next day, and told me about it. I asked them how did someone break a window in a tightly secured gated parking lot? They gave their apologies, and stated that they would repair the window. I also find this to be criminal. At the end of the story, I requested the remaining balance to be voided due to the car being a lemon. They then harassed me afterwards, and stated no, youre going to pay for the vehicle, as they sent garnishment for my wages. I believe the company intentionally sold me a car that wasn't any good, and that they also didn't fix the car, after I took it to their repair shop. I'm asking the courts to diminish the wage garnishment, and void the remaining balance on the vehicle. I will be pursuing this further as I believe, that they intentionally sold me a vehicle that wasn't operable. Attached I have a receipt and picture of the XXXX XXXX diagnoses, and also the reference from the mechanic that service the vehicle. To add to the evidence, I had asked American Finance if I could have one last mechanic take a look at it, and they stated, '' absolutely not. If someone could please look into this matter, as I have been harassed by them on a constant basis. They are charging me judgment fees, and interest, which totals XXXX 'm asking the courts to delete this payment to {$0.00} due to them selling me a car that was a lemon, and not operable, and not fixing the car. Also, for criminal activity that they performed while the vehicle was in their procession. XXXX XXXX vs American Finance, LLC Thank you.
11/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DE 19901	Web
I don't know where to begin. This complainant is about is about a XXXX XXXX company they call American Finance. I got my credit report back on the complaint I have been complaining about showing proof that this company was charging me XXXX every two weeks for 14 months so the total I paid was {$6100.00} Dollars towards this loan once I submit my credit report you going to see that they said I only made {$3300.00} dollars towards the loan how can I only made {$3300.00} dollars towards the loan if I was paying {$220.00} every two weeks since XX/XX/XXXX and the last payment was made on XX/XX/XXXX Remind you in the 1st complaint and showed proof that they they gave me a 1 year tag the expired on XX/XX/XXXX that's when i was calling trying to get my tags and they refuse to give me my tags and they lied and said that they never charged me for tags and then I sent in proof that they in fact charged me for a two year tag and only gave me one and never gave me my tags so that's why I made the last payment on XX/XX/XXXX Because they refused to give me tags and I wasn't paying until I got them and they repose the car now in the Credit report says that terms left on the loan was 16 months so once again I showed proof that I was paying every 2 weeks so how can I be late and they reported to the credit company that I was late then it states that it was for a 29 month loan when the contract I proved showed it was for 60 months and they reword it as payments to make it 30 months because I pay every 2 weeks the like the same as 13 months payments 26 weeks which make it a 29 month the proof I sent in can show that they falsified document and that's why they tell people of color when we take your people to court we always win. They not reporting that they charged this guy for a 2 year tag making him pay interest on itXXXX and never gave him his tags but we still going to repose it cause we didn't live up to our contract but we made him. like I stated in my complaint before and lied to me and said they have they own insurance but in fact it was debit cancellation and now you guys believe me that this company do nothing but lie and mislead and do unfair trade practices customer when I prove the email sating that they never charged me for tags and contract say they did will somebody believe me that this company lie to there consumers and run a Ponzi scams with Car dealerships I paid online so I got every payment history so where did the money go if I only paid {$3300.00} towards the loan when my payment say I paid {$6100.00} every 2 weeks @ {$220.00} but they say the loan was only for {$9700.00} dollars but I showed proof in this complaint last complaint that the loan was for {$13000.00} there's funds missing and they didn't know what happened to it and they reporting information and pocket the rest of the money Because of my Credit Report and personal information like SS # the proof will be mailed in
11/07/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	DE 19901	Web
XXXX XXXX repo a car from me a XXXX XXXX. i have been paying on this car for over a year with high interest rates and double payments a month. Like i said this company mislead people they give you a 60 months quote to get the high interest rates then reword it as number of payments so you pay back faster and already know your salary during the loan applications so they double payments so it make you hard to pay for them cause they know the amount of money you need a month to pay your bills with so the double up your payments lie to you and say they have there own insurance and but its really debit cancellation so no matter what they get there money from the car your payments and then reposes the car because they know when they started the loan. thats what loan sharks due and that's what American Finance do thats why they approve only bad credit people but i stop paying on the car because XX/XX/XXXX the tags and registration went out on the car in the loan you can see that they charged me for a 2 year tags and only gave me a XXXX year tag and the car wont pass expectation i called them they tell me they have nothing to do with the tags but do you want to make a payment that's on the dealer so. I called the deal they told me they have nothing to do with the car car no more because it belongs to American Finance now so now i called motor vehicles they told me that's on you and the finance company i called back they keep lying saying that they have nothing to do with the tags and i a email i have i will proved state they never charged me for tags and registration and i have the loan that's say the did and i will proved that to so until i got my tags i withhold payments so they repo the car its funny how they want me to hold up to my contract if you read in the last complaint filed they said you signed the contract and we just collection on what you signed but they not acting on there part of there contract that states they charged me for a 2 year tag with interest. they still want there payment but i got get the car register and tagged and paying for something that should have had this done already no more money out my pocket out my pocket and they still want a payment and never give me my tags but since i didn't pay I didn't obey by my contract they reposed the car. This is the biggest rip off company there is in fact i will you proved you with a email catching them in a lie and everything but still they have the right to reposed a car when they didn't proved what they say they was going to due this prove right here this loan was done on purpose to bring financial harm to me that's what loan sharks do
09/16/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	DE 19720	Web
To Whom It Concern, I recently received a copy of my credit report ( XX/XX/2017 ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thanking you,
04/24/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	MD 21230	Web
This company is a predatory lender. This company shut my car off on 3 different occasions for as little as {$48.00} and no more than 21 days late. This company has caused me so much stress it is unbelievable. The dealer never told me there was a cut off switch being attached to my car. If they did I would have walked away. The told me that someone would be out to install a GPS device so that in case of default on the loan they would know where to repossess the car from. Which was ok by me. In the state of Maryland your car can be repossessed after missing one payment however, this company shuts your car off leaving you stranded wherever you are at that time just for being days late not even a FULL PAYMENT BEHIND. Example my car payment is {$150.00} bi weekly yet my car was turned off for just yesterday for {$48.00} even after I just made a payment. Even after I been requesting to have my payment made monthly they insist for some reason they can't change it. This is borderline harassment. My car payment with them has never been 30days or more late NEVER yet I am in fear my car will be immobilized because I am 16 days late. Unreal someone needs to do something about this company and other 's like it. The customer can't even refinance because the miles on the cars are ridiculous so you are stuck paying triple regardless.
09/22/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	MD 21228	Web
I have been a victim of identity theft since 2011. After my son passed away in my home i never returned to the home and gave all of my belongings to my family members. It was during this time someone very close to me stole my personal information. For years I have struggled to clean my credit report and i've always grown discouraged because there's always a new account or inquiries being reported. This has caused my credit score to always decrease and i'm very stressed with trying to fix everything. I have a car loan through american finance being reported on my credit report that i have been disputing with all three credit bureaus. This account does not belong to me and after reviewing all three credit reports they do not all reflect the same information. In accordance with the Fair Credit Reporting act I ask that these accounts be reviewed and removed from my credit reports because they have violated my rights. 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. I believe the person that stole my information is my sister XXXX XXXX because shes been connected to other accounts previously removed from my credit file.
09/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	KY 40160	Web
XX/XX/XXXX American Finance LLC located at XXXX XXXX XXXX XXXX XXXX, DE XXXX took a hard credit inquiry for an auto loan with out my expressed, written or implied consent. The business relationship with this company and myself had ended XX/XX/XXXX. Despite this dissolution of our dealings and the statute of limitations ( seven years ) ending all pursuit of repayment the company has decided to inappropriatly and illegally access my credit report for a line of credit, an automobile, or some other purpose. I am 800 plus miles away so how I would actually drive the vehicle or sign any documents related to the purchase of said vehicle is unclear. This company has caused further damage to my credit among being dishonest regarding how much they were repaid. They have garnished wages which I ironically lost a job directly after they had pursued repayment this way, sold the vehicle at an auction, and basically stalked and harrased me. I want this to end I am not a criminal or their only client. It has been 7 years and legally speaking they are supposed to stop this. This is step one of many in ensuring they leave me alone.
06/19/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MD 21804	Web
I purchased a XXXX XXXX and the loan company is American Finance LLC. I never received court papers to appear to court, nor have I never seen a bill of sales of the XXXX after they repossessed it and sold it. XXXX XXXX , XXXX was the first check the garnishment started. On the XXXX XXXX , XXXX check the last {$43.00} on the total due on the judgemen t ( {$6700.00} ) according to the court papers my employer gave me when they started the garnishment. Three checks later the garnishment started up again. I called American Finance LLC and the account manager told me I owed {$3000.00} for the post interest. On the court papers it included the post interest of {$940.00}. I had her send me my account ledger and on it my paid interest is {$6800.00}. Two months shy of 2 y ears that I have been paying on this garnishment they keep every cent on interest. The pre and post interest on the court papers add up to {$2000.00} which was add to the {$6700.00} on the total due on judgment stated in the court papers. They continue to garnish my checks so the amount keeps climbing.
03/01/2016	No	Consumer Loan Vehicle loan	Problems when you are unable to pay	DE 199XX	Web
We were behind on payments by American Finance LLC of XXXX Delaware. We initially spoke with Rep XXXX XXXX, who told us how far we were behind. Then, we agreed to a payment arrangement to get payments caught up. We also spoke with another Rep named XXXX who also confirmed how far we were behind. Over the course of about 6 weeks, the amount they said we were behind was paid in full and we were told the account was all caught up and we were good to go. So, we resume with regularly scheduled payments on time. Then, all of a sudden, weeks later, we get a call from XXXX saying there was some type of glitch in there system and we still owed them {$530.00} and the account was still behind. We had already paid them well over {$1200.00} and now they are saying we owe them more money.
11/25/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	DE 19901	Web
On XXXX day of XX/XX/XXXX, an agreement was reached between XXXX XXXX XXXX and XXXX XXXX XXXX who unlawfully assigned rights to a third-party agency name American Finance the property description of a XXXX XXXX XXXX which is indeed used for personal, family, and household usage. After exercising my right to cease and desist American Finance via phone call, they broke the violation and continued to email me using excessive documentation trafficking and threatening to seize my property if a payment on a positive balance not made in the amount of {$180.00} and {$170.00} due today.
06/07/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	DE 198XX	Web
I settled this debt with American Finance. They updated it as a payment only and left the balance on the credit file. When I contacted them to pay it they said that if I paid by check it would take two weeks to update the bureaus but if I paid with a debit card, it would be updated by the end of that week. I paid the settlement on XX/XX/XXXX and on XX/XX/XXXX they only updated it as a payment. This is not correctly reflecting the status of this account on my bureau and therefore a violation of the Fair Credit Reporting Act.
04/26/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	DE 199XX	Web
Back in XXXX my car was repossessed, now 18 years later they are garnishing my wages. They refuse to work with me claiming judgement is lifetime even after judgement came off my credit in XXXX. They are steady charging me interest daily according to the finance company. I did not get any notice of wage attachment or a new court hearing. This is 18 years later with 18 years of accumulated interest at 22 %. Resolve would be to delete all interest and loan due to age
05/04/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	CO 802XX	Web
In accordance the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any purpose.
04/23/2015	Yes	Debt collection Auto	Disclosure verification of debt Right to dispute notice not received	DE 199XX	Web
Debt was paid in full. At XXXX point the pmts became deliquent all pmts from then on were paid in full in XX/XX/2011 per the the contract. American Finacial of XXXX DE placed a derogatory remark on my credit report stating the debt was charged off. It does show a XXXX balance
11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DE 19720	Web
15 USC 1681 Obtaining Information Under False Pretenses states any person knowingly and willfully obtains on a consumer from a consumer reporting agency under false pretenses shall be fined under the title 18, Imprisoned for not more than 2 years, or both.
05/14/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	DE 19711	Web
XX/XX/2019 American Finance submitted wage garnishment to XXXX XXXX ( new employer ) and are continuously still seeking payment even though i am under chapter XXXX bankruptcy. Case # : XXXX
11/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60649	Phone

09/19/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	IL 60639	Web

04/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 17110	Web

08/26/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MD 21221	Web

05/02/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	MD 21811	Web

01/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	DE 19950	Web

12/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DE 19950	Web

12/16/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28210	Fax

12/27/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect		Referral

09/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize		Phone

05/11/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments		Referral

06/12/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	DE 19720	Web

04/22/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	DE 19973	Web