Consumer complaint received 2025-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: AZ

Complaint narrative:
We had our car my ex husband and I I took car for an oil change and there was an issue with car afterwards the car wouldnt drive all gears were stuck locked up. So we had it towed to XXXX XXXX XXXX in XXXX XXXX XXXX  where a man named XXXX and I believe a manager named XXXX XXXX didnt have a very kind disposition We were told we could fill out for a loan to make payments on the car after it was fixed I asked what type of loan he just said its very easy process and if you quailifiy they will pay for the work and you pay them well after the car was fixed we received both separate loan agreements. XXXX was for XXXX. The other one was for almost 2000. He found out we are paying 199 % interest and we were paying weekly. I discussed this with a gentleman named XXXX at XXXX XXXX and he said that was the way it had to be that they would automatically draft I stopped the automatic draft and told him I couldnt make those kind of payments. I have XXXX and I am on XXXX so what amount they were asking from me was way too much I couldnt afford that with rent. I explained that we couldnt afford that at all because we didnt have the best credit and we didnt know this was the type of loan it was because it wasnt discussed with us beforehand and that we did ask although nobody knew until you sent us the loan papers that were already signed. I then made it an agreement to pay on XXXX my ex-husbands loan twice a month which were XXXX each so that was over XXXX a month and its not getting us anywhere because of that interest so by the XXXX of the loan for him, XXXX be paying over XXXX and for the end of the loan for me XXXX be paying close to XXXX and I told him with with all this going on in our lives, especially with me being sick we couldnt afford this. This was a predatory loan and they knew it and they prayed on somebody that didnt have the money we wouldnt have got the car fixed if that was the case, but I need somebody to do something about it because Ive called everybody and XXXX. I think that you know where we took the car to get the oil changed should pay for this, but XXXX XXXXXXXX XXXX said no that it wasnt from that which I begged to differ but when I talk to the loan place, theyre constantly hounding me calling me sending me emails, threatening and I know threatening is illegal to do. They dont need to threaten me. I told him that I had XXXX that I didnt have extra money for this and that they would have to make it doable for us and they refused. The only thing that this XXXX did was change XXXX payments to {$180.00} every XXXX weeks so I am writing to you to see if you can do something for us and I have two loan numbers. I have two amounts they wont even combine the two loans for us so we have one loan to pay theyre taking the interest on both loans at different times and I cant afford that. I cant afford any of it. I just didnt know it was gon na be this type of loan if I would have I wouldve went somewhere else or I wouldve never had the car fixed in the first place if they wouldve been honest right from beginning from XXXX  XXXX XXXX I need somebody to look into this for me and somebody to help me because I cant pay this and I dont want our wages to get garnished because they lied to us. They werent honest with us. They didnt tell us what was going on with this loan. We never wouldve signed it. If we wouldve known this was the type of long we were signing not ever its not worth it. The car wasnt worth it so I decided when I spoke with my debt management counselor to give you an email or fill out a form to let you guys know what is going on and see if theres anything that you can help us with if they made this into a normal type of loan, we might be high risk because of our credit, but thats not what it involved and having this kind of loan is not going to help us, we will be spending the rest of our life until who knows when trying to pay this off unless we get help these predatory loans should be illegal they should be stopped, and these people shouldnt be able to do this to other people. It just shouldnt be. I hope you can help us with this and those people are our consumers just like I am just like my ex-husband is and I cant believe that they can feel good about making someone go through something like this and I hope that you can get justice for us. Thank you.

Company response to consumer: Closed with non-monetary relief