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Business Profile

Collections Agencies

Afni, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

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

Find a Location

Afni, Inc. has 9 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Please enter a valid location.

    • Afni, Inc.

      1310 Martin Luther King Dr Bloomington, IL 61701-1465

    • Afni, Inc.

      PO Box 3097 Bloomington, IL 61702-3097

    • Afni, Inc.

      404 Brock Dr Bloomington, IL 61701-2654

    • Afni, Inc.

      404 Brock Drive P.O. Box 3097 Bloomington, IL 61702

    • Afni, Inc.

      P.O. Box 3427 Bllomington, IL 61702

    Customer Complaints Summary

    • 302 total complaints in the last 3 years.
    • 12 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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:07/05/2023

      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’m not liable for this debt with ******. I don’t have a contact with AFNI, INC, they didn’t provide me with the original contact as I requested.

      Business Response

      Date: 07/07/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On October
      12, 2020, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $1,520.56.
      The account is for services until ****** considered the
      account delinquent on July 29, 2018.  The
      billing address associated with the account is ****** ********** ********* ********* *********** ** ******  Afni mailed
      the initial notice of the account on or about October 15, 2020.  On November 29, 2020, Afni furnished the
      credit reporting agencies with notice of the account.  Afni received multiple disputes from the
      credit reporting agencies, reviewed all relevant information, and responded
      appropriately.
      On July 6, 2023, Afni received this complaint.  In response, Afni ceased communication and
      initiated an investigation.   Afni has attached copies of the account
      billing statements to this response; these are provided as validation of the
      account.  To address the consumer’s
      concerns, the subject account has not been purchased by Afni.  Afni received the account from ****** and
      acts as an agent on behalf of ******; therefore, the consumer would not have a
      contract with Afni. Furthermore, when a consumer submits a dispute through the
      credit reporting agencies, Afni responds directly to the credit reporting
      agencies.  A signed contract is not
      always required to initiate ****** services, as orders for services can be taken
      over the phone or via the internet, which are considered verbal and electronic
      signatures, respectively.  On July 9,
      2023, Afni sent a request to the credit reporting agencies to remove the
      account from the consumer’s credit report. 
      Please be aware that it can take the credit reporting agencies anywhere
      from 0 to 60 days to update consumer credit reports.  Afni has no control over how quickly the
      credit reporting agencies update consumer credit reports.  However, this does not mean that the account
      is not due and owing, simply that Afni will no longer furnish the account to
      the credit reporting agencies.  Afni
      trusts this response has addressed the consumer’s concerns, but if questions
      remain, or if they would like to discuss the account, they may contact a
      Regulatory Specialist at ***** *********

    • Initial Complaint

      Date:07/03/2023

      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’m not liable for this debt with AFNi , I do not have a contract with the AFNI INC, they did not provide me with the original contract as I requested

      Business Response

      Date: 07/06/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On June 22,
      2022, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $2,078.13.
      The account is for services established on March 16, 2018,
      until ****** considered the account delinquent on August 27, 2019.  The billing address associated with the
      account is **** ***** ******* ******** ** ******  Afni mailed the initial notice of the account
      on or about June 28, 2022.  On August 7,
      2022, Afni furnished the credit reporting agencies with notice of the account.
      On July 3, 2023, Afni received this complaint.  In response, Afni ceased communication and
      initiated an investigation.  Afni has
      attached copies of the account billing statements to this response; these are
      provided as validation of the account.  To
      address the consumer’s concerns, the subject account has not been purchased by
      Afni.  Afni received the account from Sprint
      and acts as an agent on behalf of Sprint; therefore, the consumer would not
      have a contract with Afni. Furthermore, this complaint is the first
      notification Afni received from the consumer regarding a dispute on this
      account.  Additionally, a signed contract
      is not always required to initiate ****** services, as orders for services can
      be taken over the phone or via the internet, which are considered verbal and
      electronic signatures, respectively.   Afni
      will send a request to the credit reporting agencies to remove the account from
      the consumer’s credit report.  Please be
      aware that it can take the credit reporting agencies anywhere from 0 to 60 days
      to update consumer credit reports.  Afni
      has no control over how quickly the credit reporting agencies update consumer
      credit reports.  However, this does not
      mean that the account is not due and owing, simply that Afni will no longer
      furnish the account to the credit reporting agencies.  Afni trusts this response has addressed the consumer’s
      concerns, but if questions remain, or if they would like to discuss the
      account, they may contact a Consumer Relations Specialist at ***** *********

    • Initial Complaint

      Date:07/02/2023

      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.
      im not liable for this debt ******* i do not have a contract with afni they did not provide me with the original contract as requested

      Business Response

      Date: 07/06/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On September
      24, 2020, ******* forwarded the subject account, ******* account #:  ****************, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $319.23.
      The account is for services established on April 1, 2018,
      until ******* considered the account delinquent on July 26, 2018.  The service address associated with the
      account is *** ******** ***** ********** ** *****, which is the same address
      the consumer listed on this complaint.  Afni
      mailed the initial notice of the account on or about September 27, 2020.  On November 29, 2020, Afni furnished the
      credit reporting agencies with notice of the account.  Afni has received multiple disputes from the
      credit reporting agencies, reviewed all relevant information, and responded
      appropriately.
      On July 3, 2023, Afni received this complaint.  This was Afni’s first contact with the
      consumer.  In response, Afni ceased
      communication and initiated an investigation.  Afni has attached copies of the account
      billing statements to this response; these are provided as validation of the
      account. To address the consumer’s concerns, the subject account has not been
      purchased by Afni.  Afni received the
      account from ******* and acts as an agent on behalf of *******; therefore, the
      consumer would not have a contract with Afni. When a consumer submits a dispute
      through the credit reporting agencies, Afni responds directly to the credit
      reporting agencies.  Additionally, a signed
      contract is not always required to initiate ******* services, as orders for
      services can be taken over the phone or via the internet, which are considered
      verbal and electronic signatures, respectively. 
      Afni will send a request to the credit reporting agencies to remove the
      account from the consumer’s credit report. 
      Please be aware that it can take the credit reporting agencies anywhere
      from 0 to 60 days to update consumer credit reports.  Afni has no control over how quickly the
      credit reporting agencies update consumer credit reports.  However, this does not mean that the account
      is not due and owing, simply that Afni will no longer furnish the account to
      the credit reporting agencies.  Afni
      trusts this response has addressed the consumer’s concerns, but if questions
      remain, or if they would like to discuss the account, they may contact a Consumer
      Relations Specialist at (**** *********

    • Initial Complaint

      Date:07/02/2023

      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'm not liable for this debt with AFNI, INC. I do not have a contract with this collection agency. They did not provide me with the original contract as requested.

      Business Response

      Date: 07/06/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On November
      5, 2021, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $757.60.
      The account is for services established on February 6, 2019,
      until ****** considered the account delinquent on August 20, 2019.  The billing address associated with the
      account is * ******* ******* ******* ** *****. 
      Afni mailed the initial notice of the account on or about November 8,
      2021.  On January 9, 2022, Afni furnished
      the credit reporting agencies with notice of the account.
      On July 3, 2023, Afni received this complaint.  This was Afni’s first contact with the
      consumer.  In response, Afni ceased
      communication and initiated an investigation. 
      Afni has attached copies of the account billing statements to this
      response; these are provided as validation of the account.  To address the consumer’s concerns, the subject
      account has not been purchased by Afni. 
      Afni received the account from ****** and acts as an agent on behalf of Sprint;
      therefore, the consumer would not have a contract with Afni. Furthermore, a signed
      contract is not always required to initiate ****** services, as orders for
      services can be taken over the phone or via the internet, which are considered
      verbal and electronic signatures, respectively. 
      Afni will send a request to the credit reporting agencies to remove the
      account from the consumer’s credit report. 
      Please be aware that it can take the credit reporting agencies anywhere
      from 0 to 60 days to update consumer credit reports.  Afni has no control over how quickly the
      credit reporting agencies update consumer credit reports.  However, this does not mean that the account
      is not due and owing, simply that Afni will no longer furnish the account to
      the credit reporting agencies.  Afni
      trusts this response has addressed the consumer’s concerns, but if questions
      remain, or if they would like to discuss the account, they may contact a Consumer
      Relations Specialist at ***** ********.

      Customer Answer

      Date: 07/07/2023

       I am rejecting this response because:


      I don't feel comfortable exchanging personal information with company I have no knowledge of

    • Initial Complaint

      Date:06/26/2023

      Type:Billing 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 am not liable for this debt with *** ********, I do not have a contract with AFNI, Inc, they did not provide me with the original contract as I requested.

      Business Response

      Date: 06/28/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On January
      31, 2023, **** forwarded the subject account, **** ******** account
      #:  ************, Afni, Inc. account
      #:  *********-01, with Afni for
      collections on the balance of $1,654.55.
      The account is for services established on December 10, 2019,
      until **** considered the account delinquent on May 5, 2021.  The billing address associated with the
      account is **** *** ***** ******* ********* **** ******* ** *****, and the
      phone numbers are ***** ********* ************** *** ***** ********.  Afni mailed the initial notice of the account
      on or about February 2, 2023.  On March
      19, 2023, Afni furnished the credit reporting agencies with notice of the
      account.
      On June 27, 2023, Afni received this complaint.  In response, Afni ceased communication and
      initiated an investigation.  Afni has
      attached copies of the account billing statements to this response; these are
      provided as validation of the account.  To
      address the consumer’s concerns, the subject account has not been purchased by
      Afni.  Afni received the account from ****
      and acts as an agent on behalf of ****; therefore, the consumer would not
      have a contract with Afni.   Additionally, a signed contract is not always
      required to initiate **** services, as orders for services can be taken
      over the phone or via the internet, which are considered verbal and electronic
      signatures, respectively.  Afni will send
      a request to the credit reporting agencies to remove the account from the
      consumer’s credit report.  Please be
      aware that it can take the credit reporting agencies anywhere from 0 to 60 days
      to update consumer credit reports.  Afni
      has no control over how quickly the credit reporting agencies update consumer
      credit reports.  However, this does not
      mean that the account is not due and owing, simply that Afni will no longer
      furnish the account to the credit reporting agencies.  Afni trusts this response has addressed the
      consumer’s concerns, but if questions remain, or if they would like to discuss
      the account, they may contact a Regulatory Specialist at ***** *********

      Customer Answer

      Date: 06/28/2023

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me under the conditions that AFNI will keep their word and contact the credit agencies to have the account removed from my credit reports. I do understand that this does not satisfy the payment that needs to be made and am willing to set up a payment arrangement if you all will allow. I would like everything to be in writing for documentation as well. 

    • Initial Complaint

      Date:06/25/2023

      Type:Billing 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 am not liable for this debt with ****** . I do not have a contract with ******, they did not provide me with the original contract as I requested

      Business Response

      Date: 06/28/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On December
      5, 2022, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $764.56.
      The account is for services established on July 2, 2015,
      until ****** considered the account delinquent on November 5, 2021.  The billing address associated with the
      account is ***** ****** ******* ************ ** *****.  Afni mailed the initial notice of the account
      on or about December 9, 2022.  On January
      22, 2023, Afni furnished the credit reporting agencies with notice of the
      account.  On February 7, 2023, the
      consumer spoke with an Afni representative and stated they were unable to set
      up an arrangement at this time.
      On June 27, 2023, Afni received this complaint.  In response, Afni ceased communication and
      initiated an investigation.  Afni has
      attached copies of the account billing statements to this response; these are
      provided as validation of the account.  To
      address the consumer’s concerns, the subject account has not been purchased by
      Afni.  Afni received the account from ******
      and acts as an agent on behalf of ******; therefore, the consumer would not have
      a contract with Afni.  Additionally, this
      complaint is the first notification Afni received from the consumer regarding a
      dispute on this account. Furthermore, a signed contract is not always required
      to initiate ****** services, as orders for services can be taken over the phone
      or via the internet, which are considered verbal and electronic signatures,
      respectively. Afni will send a request to the credit reporting agencies to
      remove the account from the consumer’s credit report.  Please be aware that it can take the credit
      reporting agencies anywhere from 0 to 60 days to update consumer credit
      reports.  Afni has no control over how
      quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account
      is not due and owing, simply that Afni will no longer furnish the account to
      the credit reporting agencies.  Afni
      trusts this response has addressed the consumer’s concerns, but if questions
      remain, or if they would like to discuss the account, they may contact a
      Regulatory Specialist at ***** *********

      Customer Answer

      Date: 06/28/2023

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

    • Initial Complaint

      Date:06/23/2023

      Type:Billing 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 am not liable for this debt with ** ** * ********, I do not have a contract with Afni, Inc., they did not provide me with the original contract as I requested

      Business Response

      Date: 06/28/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On October
      14, 2022, **** forwarded the subject account, **** ******** account
      #:  **********, Afni, Inc. account
      #:  *********-01, with Afni for
      collections on the balance of $2,585.24.
      The account is for services established on April 25, 2019,
      until **** considered the account delinquent on January 13, 2021.  The billing address associated with the
      account is **** ****** ***** ***** ********** ** *****, and the phone numbers
      are ***** ********* ***** ********* *** ***** *********  Afni mailed the initial notice of the account
      on or about October 22, 2022.  On December
      4, 2022, Afni furnished the credit reporting agencies with notice of the
      account.
      On June 23, 2023, Afni received this complaint.  This was Afni’s first contact with the
      consumer.  In response, Afni ceased
      communication and initiated an investigation. 
      Afni has attached copies of the account billing statements to this
      response; these are provided as validation of the account.  To address the consumer’s concerns, the
      subject account has not been purchased by Afni. 
      Afni received the account from **** and acts as an agent on behalf
      of ****; therefore, the consumer would not have a contract with Afni.  Additionally, a signed contract is not always
      required to initiate **** services, as orders for services can be taken
      over the phone or via the internet, which are considered verbal and electronic
      signatures, respectively. On June 25, 2023, Afni sent a request to the credit
      reporting agencies to remove the account from the consumer’s credit
      report.  Please be aware that it can take
      the credit reporting agencies anywhere from 0 to 60 days to update consumer
      credit reports.  Afni has no control over
      how quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account
      is not due and owing, simply that Afni will no longer furnish the account to the
      credit reporting agencies.  Afni trusts
      this response has addressed the consumer’s concerns, but if questions remain,
      or if they would like to discuss the account, they may contact a Regulatory
      Specialist at ***** *********

      Customer Answer

      Date: 06/28/2023

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

    • Initial Complaint

      Date:06/22/2023

      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 not liable for this debt with ******. I do not have a contract with Afni Inc, they did not provide me with the original contract as I requested.

      Business Response

      Date: 06/26/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On November
      17, 2022, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $2,048.22.
      The account is for services established on July 10, 2020,
      until ****** considered the account delinquent on August 2, 2020.  The billing address associated with the
      account is **** ***** ****** ******* ******** ** *****, which is the same
      address the consumer listed on this complaint. 
      Afni mailed the initial notice of the account on or about November 22,
      2022.  On January 1, 2023, Afni furnished
      the credit reporting agencies with notice of the account.
      On June 23, 2023, Afni received this complaint.  This was Afni’s first contact with the
      consumer.  In response, Afni ceased
      communication and initiated an investigation. 
      Afni has attached copies of the account billing statements to this
      response; these are provided as validation of the account.  To address the consumer’s concerns, the
      subject account has not been purchased by Afni. 
      Afni received the account from ****** and acts as an agent on behalf of ******;
      therefore, the consumer would not have a contract with Afni. This complaint is
      the first notification Afni received from the consumer regarding a dispute on
      this account. A signed contract is not always required to initiate ******
      services, as orders for services can be taken over the phone or via the internet,
      which are considered verbal and electronic signatures, respectively.  On June 25, 2023, Afni sent a request to the
      credit reporting agencies to remove the account from the consumer’s credit
      report.  Please be aware that it can take
      the credit reporting agencies anywhere from 0 to 60 days to update consumer
      credit reports.  Afni has no control over
      how quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account
      is not due and owing, simply that Afni will no longer furnish the account to
      the credit reporting agencies.  Afni
      trusts this response has addressed the consumer’s concerns, but if questions
      remain, or if they would like to discuss the account, they may contact a
      Regulatory Specialist at (**** *********

    • Initial Complaint

      Date:06/22/2023

      Type:Billing 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 do not have a contract with AFNI . They did not provide me with the original contract as requested.These companies are in violation of several laws under the **** and are subject to the legalities that follow

      Business Response

      Date: 06/26/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On September
      6, 2022, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $799.67.
      The account is for services established on September 5, 2018,
      until ****** considered the account delinquent on August 7, 2021.  The billing address associated with the
      account is ***** **** *** **** *********** ** ****** which is the same address
      the consumer listed on this complaint.  Afni
      mailed the initial notice of the account on or about September 11, 2022.  On October 23, 2022, Afni furnished the
      credit reporting agencies with notice of the account. On June 23, 2023, Afni
      received a dispute from the credit reporting agencies, reviewed all relevant
      information, and responded appropriately.
      On June 22, 2023, Afni received this complaint.  This was Afni’s first contact with the
      consumer.  In response, Afni ceased
      communication and initiated an investigation. 
      Afni has attached copies of the account billing statements to this
      response; these are provided as validation of the account.  To address the consumer’s concern, when a
      consumer submits a dispute through the credit reporting agencies, Afni responds
      directly to the credit reporting agencies. 
      Additionally, the subject account has not been purchased by Afni.  Afni received the account from ****** and
      acts as an agent on behalf of Sprint; therefore, the consumer would not have a
      contract with Afni. Afni has complied with its obligations. A signed contract
      is not always required to initiate ****** services, as orders for services can
      be taken over the phone or via the internet, which are considered verbal and
      electronic signatures, respectively. On June 25, 2023, Afni sent a request to
      the credit reporting agencies to remove the account from the consumer’s credit
      report.  Please be aware that it can take
      the credit reporting agencies anywhere from 0 to 60 days to update consumer
      credit reports.  Afni has no control over
      how quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account
      is not due and owing, simply that Afni will no longer furnish the account to
      the credit reporting agencies.  Afni
      trusts this response has addressed the consumer’s concerns, but if questions
      remain, or if they would like to discuss the account, they may contact a
      Regulatory Specialist at ***** *********

      Customer Answer

      Date: 07/01/2023

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

    • Initial Complaint

      Date:06/21/2023

      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 not liable for this debt with AFNI. I do not have a contract with AFNI. They did not provide me with the original contract.

      Business Response

      Date: 06/26/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On August 4,
      2020, ******* forwarded the subject account, ******* account #:  ****************, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $300.44. Please note that this is for bundled services and all
      equipment charges are not included in the balance Afni is collecting upon.
      The account is for services established on August 1, 2016,
      until ******* considered the account delinquent on June 20, 2018.  The service address associated with the
      account is *** ******** ***** ********** ** *******  Afni mailed the initial notice of the account
      on or about August 7, 2020.  On October
      11, 2020, Afni furnished the credit reporting agencies with notice of the
      account. Afni received multiple disputes from the credit reporting agencies,
      reviewed all relevant information, and responded appropriately.
      On June 22, 2023, Afni received this complaint.  This was Afni’s first contact with the
      consumer.  In response, Afni ceased
      communication and initiated an investigation.  Afni has attached copies of the account
      billing statements to this response; these are provided as validation of the
      account.  To address the consumer’s
      concerns, the subject account has not been purchased by Afni.  Afni received the account from ******* and
      acts as an agent on behalf of *******; therefore, the consumer would not have a
      contract with Afni.  Furthermore, a signed
      contract is not always required to initiate ******* services, as orders for
      services can be taken over the phone or via the internet, which are considered
      verbal and electronic signatures, respectively. 
      On June 25, 2023, Afni sent a request to the credit reporting agencies
      to remove the account from the consumer’s credit report.  Please be aware that it can take the credit
      reporting agencies anywhere from 0 to 60 days to update consumer credit
      reports.  Afni has no control over how
      quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account
      is not due and owing, simply that Afni will no longer furnish the account to
      the credit reporting agencies.  Afni
      trusts this response has addressed the consumer’s concerns, but if questions
      remain, or if they would like to discuss the account, they may contact a
      Regulatory Specialist ** ***** *********

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