Consumer complaint received 2022-03-09
Company: American First Finance, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Florida XXXXXXXX in XX/XX/XXXX. They arranged financing for me in the amount of {$2000.00} through American First XXXX. 
I was told that the loan was interest free if I paid off the loan by the end of XX/XX/XXXX. 
I never received any paperwork from either XXXX XXXX or American First XXXX 
On XXXX XXXX, XXXX American First debited my bank account for {$31.00} and then {$160.00} every two weeks beginning XXXX XXXX, XXXX. I made the eleventh installment of {$160.00} today XX/XX/XXXX. 
I had a motorcycle accident on XX/XX/XXXX and was in the hospital for two weeks with multiple XXXX, and had XXXX to put my XXXX back together. The motorcycle exploded and does not exist anymore. Doesn't matter. If I wasn't wearing a helmet I wouldn't be alive to write this so I am grateful to God for that. Needless to say I missed the interest free deadline.and when I went on the American First Website in XX/XX/XXXX to pay off my loan I was sure what I was seeing was a mistake! They said I owed {$4700.00}! When I emailed them that is when I first saw a copy of the loan agreement! I totally expected to have to pay all the back interest for the interest free period but never did anyone ever communicate the how the terms of the loan would impact me if the loan was not paid before the interest free period expired! They sent me the loan agreement on XX/XX/XXXX in response to my email inquiry regarding paying off the loan. XXXX XXXX and American First XXXX give a whole new meaning to the words UNFAIR AND DECEPTIVE!!! When I called American First XXXX after receiving the paperwork on the loan agreement they had the nerve to offer me a payoff amount of {$3700.00}!!! PLEASE tell me that you can help me! I of course am willing to pay my fair share of the remainder of the {$2000.00} loan ( approx. {$250.00}. plus interest for the borrowing period XX/XX/XXXX - XX/XX/XXXX ) but if they are not willing to accept what SHOULD be fair and legal there is nothing else I can do except default and allow them to tank the credit score I have been working so hard to improve! Can you please help me? I checked with the XXXX XXXX XXXX  and they show 821 complaints in the last three years against American First XXXX! The complaints are all like mine and the response from American First XXXX  is always the same generic response... .. '' sorry you agreed to this " ... ... ... .but I did NOT agree to this ... ... .they NEVER communicated anything like this until I emailed and called them! I had no idea! XXXX XXXXXXXX   made the loan process as easy as click here and click there and the only contact American First XXXX  ever made to me was to debit my bank account. I am sincerely hoping that there is a law against this type of FRAUDULENT, UNFAIR, AND DECEPTIVE TRICKERY! All of the people at these businesses need to start praying that God shows mercy on their souls when their time comes. How many financial lives have they destroyed.? Please tell me that you can help me! 
Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief