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Business Profile

Loans

American Financial Network Inc

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for American Financial Network Inc's headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 27 total complaints in the last 3 years.
    • 14 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:07/09/2025

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am on the Do Not Call registry my phone yesterday. Five separate agents called from American financial the first one that called. I asked him politely to please remove me from his database. I am not interested then I got the second Call then the third Call then the fourth, then the fifth I called the corporate office and asked them to have my number removed and have it flagged so that I do not get another call here. It is the next day first thing in the morning I get a phone call. I called their corporate office again and they assured me my number would be removed. I told them Im reporting this because this is unacceptable. There should never be a phone call that is calling my number when I have asked to be removed and Im on a Do Not Call registry and theyre soliciting me to try to get me to refinance my house. I dont believe solicitation online is allowed in this country anymore.

      Business Response

      Date: 07/15/2025

      Dear ****** *********,

      American Financial Network, **** (AFN)in in receipt of your complaint and appreciates you bringing this to our attention.

      AFN apologizes for any frustration you may have experienced related to receiving unwanted unsolicited phone calls and can assure you that your phone number has been added to its Do Not Call List.

      Sincerely,

      **** *******

    • Initial Complaint

      Date:06/13/2025

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      American Financial Network Inc. has faced allegations of fraud, agreeing to pay over $1 million to resolve claims that it improperly originated government-backed mortgage loans insured by the ****************************** (***). These allegations suggest potential fraudulent activities, raising concerns about the company's practices in the mortgage lending industry. I am not letting this company make me responsible of *** loan fraud by third parties, I was told by a third ****** working for a company that there is communication on mortgage placed on property that I occupied for the last 15 years and have not signed on the loan and am not going to let them make me liable for american FhA fraud... Another *** loan in 2013 was made that was also flagged as a *** loan (***************) that is in litigation on the same property, whereby there is a judgment of ****** in the same property, the disposition of the lien for that and for the *** pending or deferred recapture for FIRPTAstill pending. Litigation is pending appeal of ********** to obtain owner title insurance from chicago title or fidelity national title or ******* title and or nationstar. No payments to the loans from countrywide or lien releases have been made. Property has multiple lawsuits/interests/title chain issues/no title insurance/divided interest on the property.

      Business Response

      Date: 06/20/2025

      Dear ***** **********,

      American Financial Network, Inc.(AFN) is in receipt of your complaint and appreciates you bringing this issue to our attention. Due to the nature of the complaint you filed here as well as through the ***** AFN has undertaken a comprehensive investigation and will provide you with the findings as soon as it has them.

      Sincerely,

      **** *******

    • Initial Complaint

      Date:04/17/2025

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      **** **** [*************************************************************************] of American Financial Network, ****** Boca Raton, **, who we were trying to work with expressed great unprofessionalism. **** *. called me a "cunt" on a phone call, lied that it was his assistant, then on a separate phone call on 04/17/25 discriminated against me saying that I was "a young girl" and I "didn't know about 'this'", only assuming that 'this' is the work that I do for my employer. **** *. is incredibly unprofessional and disrespectful and should be reconsidered in this company and investigated as he is going against ****. By **** **** calling me a "cunt," refers to me as a "young girl," is considered as Sexual harassment or sex-based discrimination (using a gendered slur). Age discrimination (especially treating me as less competent because I "sound" young). Unfair lending practices (as **** is making it harder for me to get financing or services based on my identity). Going against Equal Credit Opportunity Act (ECOA) which prohibits discrimination in lending based on sex/gender and age. Since **** harassed me based on my gender and age, thats a violation.

      Business Response

      Date: 04/18/2025

      Dear ****** *********, AFN takes complaints of this nature very seriously and sympathizes with any distress or frustration this experience may have caused you. AFN will investigate this matter thoroughly and ensure that the necessary steps are taken to properly address it. Unfortunately, this is not the proper venue to file complaints of this nature. As such AFN will reach out to you personally following its investigation should it be appropriate. Sincerely, **** *******

    • Initial Complaint

      Date:04/12/2025

      Type:Sales and Advertising Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      American Finance Network was fully aware of me being in a financial deficit causing my monthly payment to fall behind they refused to put a temporary halt on further enforcement to my credit report. Reporting late payments while I was waiting for assistance from the company and still making monthly payments and while being on a trial period for the partial claim. The company has negativity impacted my credit with these late payments its deliberate and in *********. Especially when they were aware of my situation. The late payment should be removed

      Business Response

      Date: 05/27/2025

      Dear ***** ******,
       
      American Financial Network (AFN) is in receipt of your complaint, and we thank you for brining your concerns to our attention. We sympathize with any frustration you may have experienced related to credit reporting.
      After conducting a thorough review of your loan file, the facts as I understand them are as follows: On or about June 28, 2024, you requested loss mitigation assistance. Your loan was reviewed and approved for a trial payment plan, effective from September 2024 through November 2024.
      You successfully made all the payments under the trial plan and the modification was finalized on or about December 24, 2024. Your loan was brought current with the modification and subsequently transferred to our new servicer on February 4, 2025.
      Unfortunately, credit reporting is not suppressed during loss mitigation review, nor during a trial payment plan. At the time you applied for loss mitigation assistance your account was over 30+ days delinquent and remained so throughout the trial payment plan.
      We value your business and are committed to providing clear, reliable, and helpful service. If you have any questions or need further information regarding this matter, please contact the American Financial Network ******************** at ************** or *********************************************************************************************MSG.
       
      Sincerely,
      **** *******

      Customer Answer

      Date: 05/27/2025

      I am on public assistance and going thru a hardships at the same moment and it was not taken into consideration. Im being punished for asking for assistance by having this late reporting while waiting on the company to approve paper work and to apply funds to my account let alone a trial period. This practice is not good for consumers. I also dont like the fact that you acknowledge my distress and frustration and cant help.

      Business Response

      Date: 05/28/2025

      Dear ***** ******,

      American Financial Network (AFN) is disheartened to hear that you were dissatisfied with its previous response and trial payment plan and sympathizes with your frustrations.

      Your financial hardship was most certainly taken into consideration during the review of your loss mitigation application and in determining your eligibility for the various workout plans AFN offers. Unfortunately, as was stated in the previous response,credit reporting is not suppressed during loss mitigation review, nor during a trial payment plan which AFN has no control over.

      AFN would also like to take this opportunity to correct something mentioned in the previous response that on or about February 4, 2025, your loan was transferred to its new servicer when in fact it was transferred to **************, which is a separate entity wholly unaffiliated with AFN.  

      We thank you for your business and are committed to providing clear,reliable, and helpful service. If you have any questions or need further information regarding this matter, please contact the American Financial Network ******************** at ************** or ************************************************************************************************************************.

      Sincerely,
      **** *******

    • Initial Complaint

      Date:03/17/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. *******/SB - ************* - $235,718 AMERFIN/SB - ************* - $234,627 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

      Business Response

      Date: 03/26/2025

      Dear ***** *******,

      American Financial Network, **** (AFN)has received your complaint and sympathizes with any frustration you may have experienced related to your credit report. AFN is treating your complaint as a formal notice of error and therefore in keeping with the Consumer Financial ***************** regulations will, after conducting a thorough investigation, provide a comprehensive and timely response more securely by sending it directly to you as the Better Business Bureau is not the appropriate forum for handling regulatory matters or to be transmitting the kind of information you requested.

      Sincerely,

      **** *******

    • Initial Complaint

      Date:09/04/2024

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      The purpose of this letter is to report Fraud and Deceptive Mortgage Practices utilized by Landmark Mortgage Planners a Division of American Financial Network (AFN) in obtaining a VA Loan [Loan ID # ***********]. Irrefutable material evidence shows the lender claiming points on Federal Forms (VA *******, Item 14, $7,323.75) and no points were paid.

    • Initial Complaint

      Date:09/01/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am posting here as I am seeking a resolution to an account set up miscommunication with this company resulting in a delinquency reporting on my credit. I have mailed a letter as well as spoken with an agent to have the calls reviewed. After setting up my account and making the initial payments, I continued to receive emails instructing me to set up an account. When I called for assistance on June 4, 2024, I was assured by an agent that there were no outstanding issues with my account. I received another account setup email on June 6, 2024. Upon noticing additional correspondence, I reached out again but was not informed about the necessity of adding a second loan to my account. On July 22, 2024, after receiving a letter about late payments, I contacted customer service again. The agent informed me that I was behind on payments and needed to add the additional loan to my account. Following his instructions, I noted how to create a new account, only to be told by the manager, whom I requested to speak to after working with the agent, that this was incorrect. I was then guided by him to add the second loan through the settings tab.On July 22, 2024 The manager I was forwarded to acknowledged the communication issues and noted that previous calls were not logged in my file, despite my multiple attempts to clarify my account status. Following this call, I received an account setup email for loan in question, which I had not previously received. The forwarding of this email was not discussed or requested in the conversation with the manager.On August 23, 2024 after speaking to a representative in the **************************** I learned that the manager whom I spoke to, is not a manager, instead in leadership. On July 22, 2024, I requested to speak to a manager.On August 23, 2024, taking care of another request, I discovered communications were being mailed to the wrong address although I have updated my address upon setting up my account.

      Business Response

      Date: 10/08/2024

      Dear consumer, upon receipt of your complaint, American Financial Network, Inc. ("AFN") conducted a thorough review of the loan file and determined that you have two loans, both of which were originated March 7, 2024 with a first payment of May 1, 2024. The loans transferred to the AFN's current sub-servicing office on March 15, 2024. You made all payments on one of the loans from origination through present; however, when no payments were made on the other loan, AFN sent you notices and made multiple calls and left voicemails in an attempt to cure the delinquency. You did not return the calls until July 22, 2024. When you spoke with AFN, you advised us that the mailing address we had on file was not correct and AFN updated the address. You made the May, June, and July 2024 payments on July 31, 2024. Regarding the credit reporting, per the terms of the Promissory Note and under the Fair Credit Reporting Act (FCRA), AFN is required to report accurately, and as the May and June 2024 payments were past due, the reporting is correct and cannot be changed. If you have any questions or need further information regarding this complaint, please contact the American Financial Network Customer Care Center at 1-844-685-1793 from 8 am to 9 pm ET, Monday through Friday, and Saturday 8 am to 12 pm ET, excluding major holidays, or message us at afncorp.servicingdivision.com/MSG. 

    • Initial Complaint

      Date:08/19/2024

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      We used ******* ******** as our mortgage broker for a closing June 2019. At closing, he promised to refund us money that was ours and never did. We contacted him several times through phone, text, email and he wouldn't answer.

      Business Response

      Date: 09/18/2024

      Dear consumer, we investigated what American Financial Network, **** ("AFN") is able to for this matter. We did not find the loan at issue in our records. At the time the loan closed in June 2019, the person identified in your complaint was not an AFN employee. We determined that your loan would have been with a different lender. You would need to seek a resolution with them. We emailed you information on the most likely lender. Please understand there are legal rules that are probably applicable here, such as those related to a different lender's confidential and proprietary documents. We wish you the best going forward. 

    • Initial Complaint

      Date:08/17/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I reached out to this business because they are on the *** website for helping with *** loans and refinancing. When I spoke to the person assigned to me I specifically told him that I wanted a non credit qualifying refinance. The person then proceeded to tell me to fill out a loan application and ran my credit. He then told me my credit score was too low. He was not supposed hit my credit with the type of refinance I requested according to the ***. I want the hard inquiry on my credit removed.

      Business Response

      Date: 09/19/2024

      Dear consumer, **************************** ("AFN") conducted an investigation for this matter. Although we sympathize with any frustration you may have experienced, we did not find any improper conduct by AFN. You applied for a streamline refinance loan that required running a credit report. Your loan officer had written communications with you where it was made clear that this would be a requirement. The loan files also contain an authorization form indicating that you gave consent to the loan officer for your credit report to be obtained. We did not find any records where you objected to your credit being run for a report. Again, the loan officer would not have been able to assess your application without a report. He determined that based on your report, that you did not qualify. Regardless of the situation, we do appreciate that you applied for a loan at AFN, and we wish you the best going forward.  

    • Initial Complaint

      Date:08/16/2024

      Type:Service or Repair Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have asked them to quit calling me and to remove my number. Now the same guy keeps calling me and using different names and *** asked him numerous of times to remove my number and stop calling and now this is harassment something needs to be done I keep blocking the numbers he is calling from and he is calling me from other numbers!!

      Business Response

      Date: 09/18/2024

      Dear consumer, American Financial Network, **** is able to confirm that you have been added to our do-not-contact lists. This should resolve the issues. Please note that our company has policies that prohibit all unwanted marketing by our personnel, including the type of conduct mentioned in your complaint. We sympathize with any frustration you may have experienced. If you continue to experience any issues, please feel free to contact us at ************, and ask for our legal department. Thank you for bringing this matter to our attention.   

      Customer Answer

      Date: 09/18/2024


      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

      Regards,

      ***************************

       

    American Financial Network Inc is NOT a BBB Accredited Business.

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