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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: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.
      Afni have been calling me none stop throughout the day and night ,harassing me I have no debt please stop calling me.

      Business Response

      Date: 06/05/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the Ms. *******’s concerns.   Afni has
      not attempted to contact phone number ***** ********.  Upon notification on June 5, 2023, that phone
      number ***** ******** was incorrect, Afni has searched its system for any
      account containing the phone number in question.  As an extra precaution, Afni has also added
      phone number ***** ******** to the internal do not call list.  Afni apologizes for any inconvenience this
      may have caused Ms. ******* and appreciates the opportunity to resolve this
      matter.  Afni appreciates Ms. *******
      bringing this matter to our attention for correction and trusts this response
      has resolved Ms. *******’s concerns.  If Ms.
      ******* has additional questions or concerns, he may contact a Consumer
      Relations Specialist at ***** *********

      Customer Answer

      Date: 06/05/2023

      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:06/01/2023

      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.
      ***** **** **** ****** ****** **** *** ************ ** **********
      Account #: **********

      Fraud has been committed on my consumer report, which violates the FCRA & FDCPA. Afni, Inc. is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act (F.D.C.P.A.), 15 U.S.C. 1692 (G) Section 809 (B). This notice states that your claim is disputed and validation of the account is required: * Purchase Agreement * Evidence that vou are a licensed debt collector *Chain of Title *Proof that vou are license debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. THIS IS A REQUEST FOR ACCOUNTING: REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $9-210. This authenticated record must include all tax filings (including all 1099's, 1096's, and 1098's) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines deleted from my consumer report.

      15 U.S. Code § 1692e - False or misleading representations (10)The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

      In addition please provide the contract signed between Afni, Inc. & *******, notarized and sworn under penalty and perjury for Afni, Inc. ability to collect this alleged debt.

      Business Response

      Date: 06/05/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On January
      12, 2023, ******* forwarded the subject account, ******* account #:  ****************, Afni, Inc. account #:  ************, with Afni for collections on
      the balance of $385.52. 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 April 29, 2021,
      until ******* considered the account delinquent on April 21, 2022.  The service address associated with the
      account is ** *********** ****** ****** ** *****.  Afni mailed the initial notice of the account
      on or about January 14, 2023.  On March
      12, 2023, Afni furnished the credit reporting agencies with notice of the
      account.
      On June 2, 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
      complied with its obligations under the FCRA and FDCPA. The subject account has
      not been purchased by Afni.  Afni
      received the account from ******* and acts as an agent on behalf of *******.  Additionally, Afni is indeed licensed to
      collect on a debt in the state of Maryland; our license number is 1866.
      Furthermore, Afni does not furnish, nor is Afni required to furnish, our
      agreement with ******* granting us the authority to collect on a debt. As the
      consumer has requested, Afni will no longer contact the consumer about this
      account.  On June 4, 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:05/30/2023

      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've requested.

      Business Response

      Date: 06/01/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On July 18,
      2019, ******* forwarded the subject account, ******* account #:  ****************, Afni, Inc. account #:  ************, with Afni for collections on
      the balance of $462.98. 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 September 1, 2015,
      until ******* considered the account delinquent on June 17, 2017.  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 July 21, 2019.  On September 22, 2019, Afni furnished the
      credit reporting agencies with notice of the account.  On May 4, 2023, Afni received a dispute from
      the credit reporting agencies, reviewed all relevant information, and responded
      appropriately.  On May 7, 2023, Afni sent
      a request to the credit reporting agencies to remove the account from the
      consumer’s credit report. 
      On May 31, 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. Furthermore, when a consumer
      submits a dispute through the credit reporting agencies, Afni responds directly
      to the credit reporting agencies.  Again,
      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:05/22/2023

      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.
      On March 27, 2023, AFNI, Inc. received my dispute letter requesting verification of account debt. The account number reported to the credit bureau is ********** As of today, the debt collector has not replied to my request. Under the Texas Finance Code, they have 30 days to respond to my request for information. This account is being reported to TransUnion Credit Bureau. I am hereby requesting the removal of the invalidated account from my credit report. Thank you.

      Business Response

      Date: 05/24/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On April 15,
      2020, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  ************, with Afni for collections on
      the balance of $413.38.
      The account is for services until ****** considered the
      account delinquent on June 17, 2017.  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 June 3, 2020.  On June 21,
      2020, Afni furnished the credit reporting agencies with notice of the account. On
      March 14, 2023, and March 23, 2023, Afni received a dispute from the credit
      reporting agencies, reviewed all relevant information, and responded
      appropriately.  On March 27, 2023, Afni
      received a written letter of dispute from the consumer.  On May 7, 2023, Afni sent a request to the
      credit reporting agencies to remove the account from the consumer’s credit
      report.   On May 11, 2023, Afni mailed the consumer
      verification for the debt.
      On May 23, 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 concern, Afni mailed the consumer verification of the debt on
      May 11, 2023. When a consumer submits a dispute through the credit reporting
      agencies, Afni responds directly to the credit reporting agencies.  Again, 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:05/15/2023

      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 the depth with ****** and do not have a contract with AFNI, INC. They do not provide me with the original aplicación like I asked.

      Business Response

      Date: 05/17/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On March 10,
      2023, ******** forwarded the subject account, ******** account #: *********,
      Afni, Inc. account #: ********* ***,
      with Afni for collections on the balance of $981.23.
      The account is for services established on July 5, 2021,
      until ******** considered the account delinquent on July 26, 2021.  The billing address associated with the
      account is *** ***** ******* ****** ** ******
      Afni mailed the initial notice of the account on or about March 12, 2023.  On April 30, 2023, Afni furnished the credit
      reporting agencies with notice of the account.
      On May 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 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 has 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 ***** *********

    • Initial Complaint

      Date:05/09/2023

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


      Correction to a credit report; I demand this account be deleted from my credit report

      Business Response

      Date: 05/11/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On October
      10, 2022, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  ************, with Afni for collections on
      the balance of $333.65.
      The account is for services established on March 31, 2019,
      until ****** considered the account delinquent on May 24, 2020.  The billing address associated with the
      account is **** **** **** ******* ******* ** *****.  Afni mailed the initial notice of the account
      on or about October 15, 2022.  On
      November 27, 2022, Afni furnished the credit reporting agencies with notice of
      the account.
      On May 10, 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 was 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
      Regulatory Specialist at ***** *********

      Customer Answer

      Date: 05/16/2023

      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 longes they deleted of my Credit report   that all I want thank you 

    • Initial Complaint

      Date:05/03/2023

      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 am not aware of this account. I have reached out to ******** Credit Bureau, and with AFNI, INC. to have this account removed from my file and they are always saying the same excuse, which is no longer acceptable. I have filed this as an outcome of Identity Theft. Regardless of all actions done on my end, there was no action from ******** Credit Bureau. Thus, I am reaching out to seek assistance to have AFNI, INC confirm that I have no account with them and that the ******** Credit Bureau can simply remove it from my credit report.

      Business Response

      Date: 05/05/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On December
      22, 2022, ******** forwarded the subject account, ******** account #:  *********, Afni, Inc. account #:  ********* **** with Afni for collections on
      the balance of $123.76.
      The account is for services established on January 17, 2021,
      until ******** considered the account delinquent on March 10, 2021. Afni mailed
      the initial notice of the account on or about December 24, 2022.  On February 12, 2023, Afni furnished the
      credit reporting agencies with notice of the account. On April 4, 2023, the
      consumer called in and spoke with an Afni representative. During this call the
      Afni representative offered a discounted payment offer to close the account and
      consumer made payment. Additionally, the Afni representative provided the
      consumer what Afni’s standard operating procedure for credit reporting.
      On May 3, 2023, Afni received this complaint.  In response, Afni ceased communication and
      initiated an investigation.  To address
      the consumer’s concern, as previously noted, the consumer spoke with an Afni
      representative on April 4, 2023, and made a payment to close the account for a
      discounted payment offer.  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.  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:05/03/2023

      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 am not liable for this debt with ** * ******* and do not have a contract with AFNI, INC. They did not provide me with the original application as I requested.

      Business Response

      Date: 05/08/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On December
      15, 2022, **** forwarded the subject account, ******* account #:  *********, Afni, Inc. account #:  ************, with Afni for collections on
      the balance of $584.17.
      The account is for services established on December 1, 2015,
      until **** considered the account delinquent on July 3, 2021.  The service address associated with the
      account is *** ***** ********* ******* ******* ** *****.  Afni mailed the initial notice of the account
      on or about December 20, 2022.  On February
      5, 2023, Afni furnished the credit reporting agencies with notice of the
      account.
      On May 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 **** 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. Furthermore, this complaint is the first notification
      for the consumer regarding a dispute on this account.  On May 7, 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:05/03/2023

      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 am not liable for the debt with AFNI. I do not have a contract with ** *******.

      You guys need to handle this issue. This has been going on for a long time now that I have seen my information. That's messing my Character & name up as a person.

      They are in violation & told me 30 days when I had fraud. A identity theft with police report I had attached as well, they are in major violation.

      Business Response

      Date: 05/05/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On November
      17, 2020, ******* forwarded the subject account, ******* account #:  ***************** Afni, Inc. account #:  ************* with Afni for collections on
      the balance of $381.77.
      The account is for services established on August 1, 2018,
      until ******* considered the account delinquent on September 18, 2018.  The service address associated with the
      account is **** ***** ****** ********** ** *****.  Afni mailed the initial notice of the account
      on or about November 20, 2020.  On January
      24, 2021, Afni furnished the credit reporting agencies with notice of the
      account.
      On May 3, 2023, Afni received this complaint.  This was Afni’s first contact with the
      consumer.  In response, Afni ceased
      communication and initiated an investigation.  To address the consumer’s concern, Afni has
      received multiple credit reporting agencies disputes, reviewed all relevant
      information, and responded appropriately. 
      Additionally, Afni reviewed client systems regarding the consumer’s
      claims of identity theft and was unable to confirm an identity theft and police
      report being sent in *******.  The
      account was updated as potential identity theft as the consumer denied
      knowledge of any service with *******. 
      Afni encourages the consumer to visit *******'s fraud website at
      **************************************, which discusses the process and
      documentation needed for the fraud investigation.  Your claim of fraud will cease all
      collections by Afni on this account. 
      Additionally, the consumer should contact *******'s Identity Theft
      Department at ***** ******** if they believe the account is not theirs or feels
      this is a case of identity theft.  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.  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:05/02/2023

      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 ****** and do not have a contract with AFNI INC. They never provided me with my original application.

      Business Response

      Date: 05/04/2023

      This is in response to your CFPB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On October
      15, 2020, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  ************* with Afni for collections on
      the balance of $1,601.82.
      The account is for services until ****** considered the
      account delinquent on July 25, 2018.  The
      billing address associated with the account is **** ******* ***** ****** ********* ** *****.  Afni mailed the initial
      notice of the account on or about October 18, 2020.  On December 6, 2020, Afni furnished the
      credit reporting agencies with notice of the account.  On April 27, 2021, Afni received the
      consumer’s written letter of dispute. On May 19, 2021, Afni mailed the consumer
      verification of the debt.
      On May 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 ****** 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: 05/04/2023

      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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