American First — Consumer Response Profile

How this company responds to consumer inquiries (CFPB data) • Period: 2023-present • Last verified: 2026-03-24

Resolution Rate
100.0%

Consumer inquiries resolved successfully

Timely Response
99.0%

Responded within 15-day window

Total Interactions
1,312

Consumer interactions on record

Services Used by Consumers

Debt collection 27.9%
Credit reporting, credit repair services, or other personal consumer reports 23.2%
Credit reporting or other personal consumer reports 19.1%
Payday loan, title loan, or personal loan 15.4%
Payday loan, title loan, personal loan, or advance loan 8.4%

Consumer Feedback Categories

Incorrect information on your report 22.9%
Attempts to collect debt not owed 13.8%
Charged fees or interest you didn't expect 12.6%
Improper use of your report 10.0%
Problem with a credit reporting company's investigation into an existing problem 7.0%

Response Breakdown

Closed with explanation 866 (66.0%)
Closed with non-monetary relief 274 (20.9%)
Closed with monetary relief 172 (13.1%)

Understanding This Data

The Consumer Financial Protection Bureau (CFPB) tracks how financial companies respond to consumer inquiries. This profile shows American First's responsiveness and resolution track record.

  • Resolution Rate — How often the company resolves consumer inquiries with a satisfactory outcome (monetary or non-monetary relief).
  • Timely Response Rate — How consistently the company responds within the required 15-day window — a sign of operational responsiveness.
  • Services Used — Which product categories consumers interact with most frequently.
  • Feedback Categories — The types of inquiries consumers submit most often.

Higher resolution and timely response rates indicate strong consumer service operations. Volume of interactions is not a quality indicator — larger, more established companies naturally handle more consumer inquiries.

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