AFS Acceptance Collection Complaints? We Stop Calls and Harassment.

We help consumers who have complaints about collection harassment.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

AFS Acceptance LLC is a subprime auto lending company, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

What is AFS Acceptance?

AFS Acceptance, LLC (AFS) is a third-party subprime auto loan company based in Florida. AFS has received consumer complaints alleging violations such as improper communication tactics and business practices. If you have been contacted by AFS, make sure you understand your rights before taking action.

According to the Better Business Bureau (BBB), AFS Acceptance was founded in 1997 in Florida. The BBB established its profile page in 1999. The BBB lists AFSas a consumer finance company, and notes that AFS “is in an industry that may require professional licensing, bonding or registration.” According to public records from the State of Florida’s Corporations Division, AFS is a Florida limited liability company formed in 2006. It was formerly known as Autobank Acceptance Company, LLC, and then Autobank Financial Services, LLC, but changed its name to AFS Acceptance, LLC in 2008.

According to its website, AFS Acceptance “is an established, full-service auto finance company that has specialized in serving the subprime financing needs of franchise and independent car dealers since 1996.” AFS offers dealers “consistent, responsive guidance and support” and “a dedicated Account Manager backed by a team of professionals to process and fund contracts quickly.” For car buyers, AFS “provides flexible financing options when life events make it difficult to find an automobile loan.” AFS’ website states that it does business in 29 states.

The AFS Acceptance website provides information for car dealers and information for car buyers. Its dealer pages inform site visitors that “AFS’ multi-tiered program gives dealers a complete set of financing options, from near-prime to sub-prime financing programs.” The Dealer FAQ page indicates that AFS works with both franchise car dealerships and independent dealerships. Dealers may seek more information by completing an online form or by contacting AFS. Complete Program Packages are available by contacting AFS.

The car buyer pages inform site visitors that AFS and its “network” of dealers help car buyers “find the financing they need to buy an automobile, and achieve the benefits of financial freedom by establishing or rehabilitating credit…” The FAQ page answers questions about account access, payment options, interest, refinancing and titles.

The AFS Acceptance website does not provide a lot of detailed information about its business practices or compliance policies. It does include standard, legally mandated information about information privacy and security

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How many complaints are there against AFS Acceptance?

The BBB has closed 46 complaints against AFS Acceptance in the past three years, with 13 closed in the past 12 months. Most of those complaints allege problems with billing and collections, customer service and communications. The Consumer Financial Protection Bureau (CFPB) has also received 30 complaints about AFS. Justia and Pacer list at least 3 federal civil lawsuits filed against AFS Acceptance.

Can you help me file a No Fee Lawsuit against AFS Acceptance?

Absolutely. Here are some Sample Cases against AFS Acceptance.

According to the BBB, complaints raise “billing and collections issues”, “advertising and sales issues” and “problems with product/service.” Specifically, consumers complain that they are unable to obtain requested paperwork and information or to resolve loan payment problems even after following the direction of company employees. Consumers also complain about “harassing” and aggressive collection tactics.Negative reviews on the BBB profile page for AFS Acceptance are consistent with these complaints.

In May 2017, a complained of repeated “threats” from AFS Acceptance in texts and voicemails even though she was not thirty days late on her payments. Specifically, the complainant stated, “I have texts and emails [from AFS] threatening they will be picking up my vehicle when I have never been 30 days late.” She alleged further, “I have saved voicemails from the company as well with the same threats as well as disclosing my bill on a voicemail…”  In response to the company’s statement that it had written and called the complainant and had stopped texting, the complainant stated, “I wish more to be done or else I will pursue legal action.”

In October 2016, a complainant alleged that she had “properly completed the request to change” her payment due date from the 4th to the 15th of the month, as “allowed by the company”, and set up an “auto debit for the payment on the new date.” Although AFS told the complainant “everything was fine,” AFS Acceptance failed to make the change in the due date. As a result, the complainant stated, she “kept getting harassing automated calls and texts several times daily” about her payment being late. The complainant further alleged that when she contacted AFS, she was told that “retroactively the company changed their policy” to require her to “submit proof as to why” she needed a due date change. The complainant then provided the proof, but “never received a response.” Instead, each month, AFS called, the complainant explained about the due date change, AFS Acceptance would “promise it is fixed,” but it was not. After the complainant’s car was “totaled” while parked, she called AFS Acceptance to get a payoff amount and found out the company had charged her late fees days for 11 days each month. The complainant summed up, “They failed to implement the change, charged me for it, and then basically said PROVE IT. Do not finance with this company. The customer service and follow through is absurd.”

AFS Acceptance Contact Information

AFS Acceptance, LLC
1475 W. Cypress Creek Road, Suite 300
Fort Lauderdale, FL 33309
Telephone: (954) 615-1400

AFS Acceptance Calling You?

Understanding Your Debt Collection Rights

Consumers are protected from abusive debt collectors from the Fair Debt Collection Practices Act (FDCPA). By way of instance, the debt collector must identify himself or herself, who they’re working for, and what debt they’re collecting. The FDCPA claims that debt collectors can’t use any deceptive or misleading representation, like implying the debt is secured by the USA or any particular state. Additionally, they can’t use a badge or uniform to pretend they’re a government employee collecting a debt. Misrepresentation is a violation of the FDCPA and could be reported as such.

In case you’ve been a victim of a debt collector’s wrongdoing, then you can search for justice under the FDCPA. You have the right to pursue a claim against the debt collector; if you prevail, you can collect up to $1,000, plus attorney fees and court costs.

Want to Stop AFS Acceptance Debt Collection Harassment Now?

Your debt harassment checklist:

  • You are receiving multiple calls per week from third party collection agencies
  • You are receiving early morning or late night calls from debt collectors
  • You are recieving calls at work from a debt collection agency
  • Debt collectors are calling your friends, neighbors, or coworkers
  • Collectors are threatening you with violence, a lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.

The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200.

What Our Clients are Saying

“I’ve had experiences before with legal teams and I can say certainly that Lemberg Law has certainly earned their reputation the old fashioned way…being constant in representing their client’s best interest.”

“I have to admit, I was not sure of y’all initially but you proved me wrong. You not only got the calls to stop but you have the company to dismiss the accounts once and for all! It had been more than I anticipated.”

“THANK YOU SO VERY VERY MUCH for everything you guys did for us…. This was our first time dealing with a situation such as this and you guys made it so straightforward. Thank you!”

“I want to thank you and your team for all of the help you have provided to me. Honestly, you have a excellent staff who has dealt professionally and been very empathetic at one time in my life once I hit a speed bump.”

Can You Help Me Delete AFS Acceptance from My Credit Report?

We can absolutely help. Call us today.

Can Your Firm Help me Deal with AFS Acceptance?

The short answer is yes. Contact us now to find out more.

Sound Off!

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

Sergei Lemberg

About the Author:

Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."

See more posts from Sergei Lemberg
  • Jill

    AFS calls me one day after the due date of my car payment. First they call my cell phone and like most people with that have to settle for a sub-prime car loan have to work and I cannot answer my cell phone. They hang right up and call my job!! I have told them before NOT to call my work number and if someone else in my office answers the phone when they call they question my co-workers as to my employment.

  • David L

    AFS Continues to charge my credit report with missed payments long after they reposessed my vehicle

  • Elizabeth

    My problem with AFS better known now as Credito Real I have repeadedly told them and pleaded with them my mother was put on hospice and dying and I needed every little that i had to make funeral arrangments for her and they basically continued and ignored my request. The last email I got was this morning stating to give them the location of the vehicle and it will be picked up. I can not afford for this to happen on top of the situation with my mother. I have also told them I will pay something towards what I owe this morning and they still ignore it. They are heartless and are very rude towards their customers.

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