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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.

      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

    • Afni, Inc.

      P.O. Box 3517 Bloomington, IL 61702-3517

    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: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 ******. I do NOT have a contract with AFNI, INC.
      AFNI, INC, did not provide me with 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 December
      13, 2021, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $336.47.
      The account is for services established on December 26, 2011,
      until ****** considered the account delinquent on October 30, 2020.  The billing address associated with the
      account is **** ******* ***** ****** ********* ** ******** ** *****.  Afni mailed the initial notice of the account
      on or about December 18, 2021.  On March
      27, 2022, Afni furnished the credit reporting agencies with notice of the
      account. On December 30, 2021, the consumer spoke with an Afni representative
      regarding this account and agreed to make payments on a discounted payment
      offer to close the account, however no payments were received. Afni received multiple
      disputes from the credit reporting agencies, reviewed all relevant information,
      and responded appropriately.
      On June 22, 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, when a consumer submits a dispute through the credit reporting
      agencies, Afni responds directly to the credit reporting agencies. Furthermore,
      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. 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:06/21/2023

      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 ******, I do not have a contract with AFNI, INC. , they did not provide me with the original contract as 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 October
      12, 2021, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $1,452.79.
      The account is for services established on July 17, 2019,
      until ****** considered the account delinquent on August 9, 2019.  The billing address associated with the
      account is **** ****** ******* ***** ****** ** *****.  Afni mailed the initial notice of the account
      on or about October 15, 2021.  On November
      28, 2021, Afni furnished the credit reporting agencies with notice of the
      account.  On June 22, 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 concerns, when a
      consumer submits a dispute through the credit reporting agencies, Afni responds
      directly to the credit reporting agencies. 
      Furthermore, 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 at (**** *********

    • 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 ******, 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
      4, 2021, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $1,269.34.
      The account is for services established on March 25, 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 November 7, 2021.  On January
      16, 2022, Afni furnished the credit reporting agencies with notice of the
      account. On June 22, 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
      concerns, 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 ******; therefore,
      the consumer would not have a contract with Afni. 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:06/19/2023

      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.
      This transaction occurred on June 19th 2023 at 1:44 EST. After getting several.calls from Afni I responded to a customer service representative. He stated that I had a debt for ****. I informed him this debt had been resolved. I proceeded to inform him of the steps taken and his unprofessional response was, "Ididn't know what type of plan would give me something for free." He was very aggressive and rude. I explained that I am on military orders and I am not responsible for the remaining cost of the contract agreement including the remaining cost of the device if paid on for 12 months. This was resolved in September of 2021. Now Afni has begun calling attemptingto collect on an illegitimate debt. I believe this collection agency has violated my rights as a consumer in the false, predatory, and aggressive means they're using to collect a debt.

      Business Response

      Date: 06/22/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On May 31,
      2023, **** forwarded the subject account, **** ******** account #:  ************, Afni, Inc. account #:  ***********1, with Afni for collections on
      the balance of $724.10.
      The account is for services established on June 23, 2014,
      until **** considered the account delinquent on September 19, 2021.  The billing phone numbers are ***** ********* ***** ********* *** ***** ********.  Afni
      mailed the initial notice of the account on or about June 2, 2023. Afni has not
      and will not furnish the subject account to the credit reporting agencies. On
      June 19, 2023, the consumer spoke with an Afni representative and stated there
      was a dispute regarding this account. As, it should have been covered due to
      military leave.
      On June 20, 2023, Afni received this complaint.  In response, Afni ceased communication and
      initiated an investigation.  To address
      the consumer’s concerns, Afni reviewed the call-in question, due to the
      allegations by the consumer that the Afni representative was unprofessional
      during their call.  The Afni
      representative remained professional during the call and asked questions to the
      consumer to gain an understanding of the consumer’s dispute. Furthermore, as
      part of the investigation Afni reached out to ****.  **** states that the charges are valid,
      as the **** account was cancelled due to the consumer request.  However, the consumer did not wait for the
      agreed date of cancelation and ported their number ***** ******** out to a
      different service provider on September 4, 2021.  Additionally, **** did not find any notes
      outlining that the consumer was promised any major billing adjustments or
      credits.  The consumer is being charged
      for services and equipment up to the date of suspension/cancellation.  The consumer may send their deployment
      documentation to **** at: EMAIL
      *************************************************** - FAX OUR PRIMARY NUMBER
      (TOLL FREE FROM THE U.S.): ************. OR FAX THIS NUMBER IF YOU RE OUTSIDE
      THE U.S. (LONG DISTANCE CHARGES MAY APPLY): ************. - SEND MAIL TO
      **** ********, ATTN: *** ********* ** *** ****** **** ****** ** ***********       Again, Afni has not and will not furnish the subject account to
      the credit reporting agencies. Afni has made the business decision to cease
      communications with the consumer and no longer actively collect on this
      account. 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:06/17/2023

      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.
      ******* made me aware that they could not find my account. I was informed by an employee in an instant message that they could not find my account, my services were cut off, and I wasn’t sure what happened with my account. Months later i am now receiving harassing calls. I informed afni to please contact ******* and speak with the employee that informed me that my account couldn’t be found, if not the account would have been paid. ******* from Afni stated i should have paid a bill that was sent through the mail. My response for ******** was “would you pay for a bill you were told they couldn’t find?”. If an employee tells a customer they can not find their account and the customer moves onto another company, it is then the companies fault to train their employees, it is not the customers fault. I would like for ******* to do an investigation on which employee told me my account couldn’t be found, so i couldn’t pay a bill, so i moved onto *******.

      Business Response

      Date: 06/19/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On April 13,
      2023, ******* forwarded the subject account, ******* account #:  ****************, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $198.67.  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 October 13, 2021,
      until ******* considered the account delinquent on September 20, 2022.  The billing service 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 April 22, 2023.  Afni has not
      and will not furnish the subject account to the credit reporting agencies.  On June 16, 2023, the consumer spoke with an
      Afni representative and during that call the consumer stated there was a
      dispute on the account.
      On June 19, 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, Afni has
      no knowledge of the conversation that consumer had with ******* customer
      service representative. Additionally, Afni only contacts consumers at the
      allowable times and frequency as regulated by state and federal law. Afni
      reviewed the call-in question from June 16, 2023. The Afni representative
      explained the account details to the consumer regarding the account.
      Furthermore, the Afni representative provided options to the consumer while
      asking question and one of the options provided was the final billing could
      have been paid online or through the mail. As the consumer has requested, Afni
      will no longer contact the consumer about this account. Again, Afni has not and
      will not furnish the subject account to the credit reporting agencies.  However, this does not mean that the account
      is not due and owing, simply that Afni will not 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:06/17/2023

      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: 06/22/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On January
      26, 2023, ******* forwarded the subject account, ******* account #:  ****************, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $217.84.  On June 21,
      2023, Afni received a balance adjustment of $4.28, bringing the balance owed to
      $213.56.
      The account is for services established on April 1, 2018,
      until ******* considered the account delinquent on December 30, 2020. 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 January 28, 2023.  On April 2, 2013, Afni furnished the credit
      reporting agencies with notice of the account.
      On June 19, 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. 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 a* ***** *********

    • Initial Complaint

      Date:06/15/2023

      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 ******* and I do not have a contract with AFNI, INC. plus they did not provide me with the original application like I asked.

      account number: ********** amount disputed: $443.00

      Business Response

      Date: 06/19/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On November
      9, 2021, ******* forwarded the subject account, ******* account #:  ****************, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $443.16.
      The account is for services established on November 1, 2017,
      until ******* considered the account delinquent on October 26, 2019.  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 November 12, 2021.  On January 16, 2022, Afni furnished the
      credit reporting agencies with notice of the account.
      On June 16, 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.  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.
      Furthermore, Afni does not furnish, nor is Afni required to furnish, our
      agreement with ******* granting us the authority to collect on a debt. A
      license is not required to collect on debt in the state of Georgia. Therefore,
      Afni has complied with its obligations.  On
      June 18, 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:06/15/2023

      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: 06/19/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On March 22,
      2022, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $1,197.92.
      The account is for services established on April 10, 2014,
      until ****** considered the account delinquent on December 31, 2020.  The billing address associated with the
      account is **** **** ****** ****** ********** **  *****. 
      Afni mailed the initial notice of the account on or about March 27, 2022.  On May 8, 2022, Afni furnished the credit
      reporting agencies with notice of the account. 
      On June 16, 2023, Afni received a dispute from the credit reporting
      agencies, reviewed all relevant information, and responded appropriately.
      On June 16, 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 validated the subject
      account with ******.  To address the
      consumer’s concerns, 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 ******; therefore,
      the consumer would not have a contract with Afni.  Furthermore, Afni has provided lease
      agreements as validation of the account. On June 18, 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:06/05/2023

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

      Business Response

      Date: 06/14/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On January
      23, 2023, **** forwarded the subject account, **** ******* account
      #:  *********, Afni, Inc. account #:  ************, with Afni for collections on
      the balance of $649.33.
      The account is for services established on November 1, 2017,
      until **** considered the account delinquent on March 1, 2021.  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 January 26, 2023.  On March
      12, 2023, Afni furnished the credit reporting agencies with notice of the
      account.
      On June 8, 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. This complaint is
      the first notification from the consumer regarding a dispute on this
      account.  On June 11, 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: 06/14/2023

      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:06/05/2023

      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 Sprint. I do not have a contract with the collection agency trying to collect and report this to my credit report. They didn't provide me with the original contract as requested.

      Business Response

      Date: 06/09/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On July 22,
      2022, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  ************, with Afni for collections on
      the balance of $1,493.92.
      The account is for services established on November 25, 2016,
      until ****** considered the account delinquent on November 27, 2019.  The billing address associated with the
      account is *** ********* ******* ********* *** ** ****** ** *****.  Afni mailed the initial notice of the account
      on or about July 27, 2022.  On September
      11, 2022, Afni furnished the credit reporting agencies with notice of the
      account.  On February 7, 2023, Afni
      received a written letter of dispute from the consumer.  On February 10, 2023, Afni mailed the
      consumer verification of the debt.  The
      consumer spoke with an Afni representative on February 20, 2023, and the consumer
      again stated a dispute on the account. Afni ceased communications on the account.  Afni then received another written letter of
      dispute from the consumer March 20, 2023, and Afni continued to cease
      communications on the account.
      On June 8, 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.  As previously
      noted, Afni mailed the consumer verification of the debt and ceased
      communications on the account with the consumer. Furthermore, Afni has attached
      copies of the account lease agreements as validation of this debt.  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: 06/11/2023

       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.

    Afni, Inc. is NOT a BBB Accredited Business.

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