American Car Center American finnancial phoney late charges and they charged me more money for not having insurance when i did have insurance. Memphis Tennessee!!. American finnancial is the lien holder for my car that i bought from American car center. If a person is late with a payment that person has to pay the instalment price and the late charge in full they will not accept a payment without late charges. If you owe a late charge. They have been adding late charges to my account and will not remove them. Now i found out that they said i didn’t have car insurace, so i called my insurance company. me and progressive called allied insuance and we verified to them that i have had insurance all a long. so I called american finnance and they refused to call allied insurance to verify and refused to take off the extra charges so i had to pay $30 more than i owed. In short I am being ripped off by this company.