Complaints

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

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• 

  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

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.

• Initial Complaint

  Date:05/01/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 AFNI .
  
  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 attatched as well, they are in major violation.

  Business Response

  Date: 05/04/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On March 15,
  2022, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  ************, with Afni for collections on
  the balance of $4,121.09.
  The account is for services established on December 22, 2003,
  until ****** considered the account delinquent on December 16, 2017.  Afni mailed the initial notice of the account
  on or about March 20, 2022.  On May 1,
  2022, Afni furnished the credit reporting agencies with notice of the account.  On March 3, 2023, the consumer spoke to an
  Afni representative and stated there was a dispute regarding this account.
  Additionally, the consumer states that they only owed $500.00 on the account
  and the Afni representative advised they would be willing to close the account
  for that balance.
  On May 2, 2023, Afni received this complaint.  In response, Afni ceased communication and
  initiated an investigation.  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.  Afni is not
  in receipt of an identity theft or police report.  Afni has confirmed through ****** systems
  that there was no update to ****** regarding the consumer’s claims of identity
  theft. 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. Placing a fraud alert with the credit reporting
  agencies is a suggestion and not required to investigate a fraud claim.  The consumer may also contact ****** directly
  if they have any questions regarding the fraud process at ***** ********.  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:04/28/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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. They do not provide me with the original application like I asked.

  Business Response

  Date: 05/04/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On August
  22, 2022, **** forwarded the subject account, **** ******** account
  #:  ************, Afni, Inc. account
  ** ************* with Afni for
  collections on the balance of $1,903.21.
  The account is for services established on January 15, 2019,
  until **** considered the account delinquent on June 6, 2020.  The billing address associated with the
  account is *** **** ******* ********* *** ******* ** ****** and the phone
  numbers are ***** ********* ***** ********* and ***** *********  Afni mailed the initial notice of the account
  on or about August 27, 2022.  On October
  9, 2022, Afni furnished the credit reporting agencies with notice of the
  account.
  On April 28, 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.  Afni received a
  dispute from the credit reporting agencies on February 7, 2023, reviewed all
  relevant information, and responded appropriately. Additionally, when a
  consumer submits a dispute through the credit reporting agencies, Afni responds
  directly to the credit reporting agencies. 
  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: 05/04/2023

   I am rejecting this response because:
  
  
  This address was not associated with me and it was a fraudulent account 

  Business Response

  Date: 05/09/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On August
  22, 2022, **** forwarded the subject account, **** ******** account
  #:  ************, Afni, Inc. account
  #:  ************* with Afni for
  collections on the balance of $1,903.21.
  The account is for services established on January 15, 2019,
  until **** considered the account delinquent on June 6, 2020.  The billing address associated with the
  account is *** **** ******* ********* *** ******* ** ****** and the phone
  numbers are ***** ********* which is the same number the consumer listed on
  their original complaint* ***** ********* *** ***** ********.  Afni mailed the initial notice of the account
  on or about August 27, 2022.  On October
  9, 2022, Afni furnished the credit reporting agencies with notice of the
  account.
  On May 8, 2023, Afni received this complaint.  In response, Afni ceased communication and
  initiated an investigation. To address the consumer’s concern, the account was
  updated as potential identity theft as the consumer denied knowledge of any
  service with ****.  A fraud packet is
  attached for the consumer’s completion, or the consumer may go to
  ************************************  Afni encourages the consumer to return the Fraud Affidavit within 21
  days to **** for investigation.  The
  completed affidavit can be mailed to **** at **** ******** Theft of
  Identity Center, **** *** **** ******** ** **********.  Placing a fraud alert with the credit
  reporting agencies is a suggestion and not required to investigate a fraud
  claim.  The consumer may also contact
  ****'s Fraud Department at ***** ******** if they have any questions
  regarding the fraud process.  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:04/27/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 3 credit bureaus and AFNI INC. to have this account removed from my file and they always say the same excuse, which is no longer acceptable. I have filed an FTC complaint because I believed this is an outcome of identity Theft. Regardless of all actions done on my end, there was no action from 3 Bureaus. Thus, I am reaching out to seek assistance to have AFNI INC. that I have no account with them and 3 credit bureaus can simply remove it from my credit.

  Business Response

  Date: 05/02/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On November
  7, 2019, ******* forwarded the subject account, ******* account #:  ****************, Afni, Inc. account #:  ************* with Afni for collections on
  the balance of $826.14.
  The account is for services established on February 1, 2017,
  until ******* considered the account delinquent on August 8, 2017.  The service address associated with the
  account is **** ***** ******* ********* *** ************* ** *****.  Afni mailed the initial notice of the account
  on or about November 10, 2019.  On January
  12, 2020, Afni furnished the credit reporting agencies with notice of the
  account.
  On April 27, 2023, Afni received this complaint.  In response, Afni ceased communication and
  initiated an investigation. To address the consumer’s concerns, this complaint
  is the first notification Afni has received from the consumer, regarding a
  dispute with claims of identity theft. 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.  On
  April 30, 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.  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:04/27/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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 do not provide me with the original application I asked.

  Business Response

  Date: 05/02/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On February
  20, 2023, ******* forwarded the subject account, ******* account #:  ****************, Afni, Inc. account #: ************, with Afni for collections on
  the balance of $290.22.
  The account is for services established on January 23, 2022,
  until ******* considered the account delinquent on June 29, 2022.  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 February 22, 2023.  On February 23, 2023, the consumer spoke with
  an Afni representative, during that call, the consumer inquired about payment
  for deletion. The Afni representative explained that Afni does not engage in
  payment for deletion and explained Afni’s standard operating procedure for
  credit reporting and the call then became disconnected. On April 23, 2023, Afni
  furnished the credit reporting agencies with notice of the account.
  On April 28, 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
  stating dispute on the 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. On April 30, 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: 05/02/2023

  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:04/25/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 called the collection agency to setup a payment arrangement. I advised her the amount she instructed me to pay is incorrect and asked to sent a manager. The collector in the phone aggressive started to assault me verbally over the phone asked for a supervisor I was told I’m only upset because ninja e a past due bill as she refused to transfer the call. I called back several times just for the same person to pick up and looking for a fight.

  Business Response

  Date: 05/02/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On April 25,
  2023, ******* ******** forwarded the subject account, ******* ******** account
  #:  ***************, Afni, Inc. account
  #:  ************, with Afni for
  collections on the balance of $1,448.75.
  The account is for services until ******* ******** considered
  the account delinquent on April 22, 2023.  Afni has not and will not furnish the subject account to the credit
  reporting agencies.  On April 25, 2023,
  the consumer spoke with an Afni representative. During that call, the Afni
  representative explained that what the balance would be to reconnect services
  with ******* ******** for $798.95. The consumer stated that she was quoted a
  different balance of $666.63 from a ******* ******** representative. The Afni
  representative explained that there were no notes in ******* ********’s systems
  showing the balance of $666.63 to reconnect services and offered a credit of
  $50.00 to reconnect for a balance of $748.95. The consumer requested to speak
  with a supervisor regarding the reconnect balance and the Afni representative
  explained that the consumer would be placed on a brief hold while she was
  connected to a supervisor and the call then became disconnected. The consumer
  then called back multiple times and spoke to the same Afni representative
  multiple times, as the Afni representative explained they were attempting to
  try to connect the consumer to a supervisor.
  On April 26, 2023, Afni received this complaint.  In response, Afni ceased communication and
  initiated an investigation.   Afni has request copies of the account billing
  statements through ******* ******** to; these are provided as validation of the
  account.  To address the consumer’s
  concerns, as part of the investigation Afni looked in ******* ******** systems.  On April 25, 2023, the consumer
  spoke with a ******* ******** representative who advised the consumer that an
  email was sent on April 17, 2023, to the consumer stating that she could pay
  $666.63 to reactivate services and not be sent to collections. Within, that
  conversation the consumer was also advised within that email it stated that the
  consumer had four days to reactivate for that balance or the account could be
  sent out to collections. The consumer then advised the ******* ******** representative that she needed to contact her bank and the call then became
  disconnected. Additionally, due to the allegations by the consumer that the
  Afni representative was unprofessional, Afni reviewed the calls in
  question.  Afni apologizes for any
  inconvenience this may have caused the consumer and appreciates the opportunity
  to resolve this matter.  Additionally,
  Afni has addressed the situation with the representative that the consumer
  spoke with and apologizes for the negative experience that she had.  Furthermore, Afni is an open call center and
  representatives work calls as they are presented to them. 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:04/21/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.
  address:
  1310 Martin Luther King Dr,
  
  Bloomington, IL 61701-1465
  
  i hav no knowlege of this debt.

  Business Response

  Date: 04/24/2023

  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 #:  ************, with Afni for collections on
  the balance of $81.42.
  The account is for services established on August 1, 2023,
  until ******* considered the account delinquent on May 4, 2018.  The service address associated with the account
  is *** ******* ******* ********* ** ******  Afni mailed the initial notice of the account on or about April 1, 2023.  On April 16, 2023, Afni furnished the credit
  reporting agencies with notice of the account.
  On April 24, 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, 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:04/18/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 (Original Creditor: ** ******)
  Account number: ********* Date Opened: 11/01/2021
  Balance: $644
  I received a notice that I have a collection from AFNI on my credit report. It says it was opened on 11/01/2021 for balance of $644 with account number starting in ********** that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA and FDCPA
  I would like for this collection to be removed ASAP or I will file a CFPB and FTC report.

  Business Response

  Date: 04/18/2023

  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 #:  082549807, Afni, Inc. account #:  ************, with Afni for collections on
  the balance of $644.65.
  The account is for services established on December 11, 2015,
  until ****** considered the account delinquent on May 6, 2019.  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 April 18, 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 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. As previously noted, Afni received the account
  information from ******. Therefore, Afni has complied with its obligations
  under the FCRA and FDCPA. 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. Placing a fraud alert with
  the credit reporting agencies is a suggestion and not required to investigate a
  fraud claim.  The consumer may also
  contact ****** directly if they have any questions regarding the fraud process
  at ***** ********.  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:04/15/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 received a letter by them in the mail for April 4th I have no clue who this company is saying that *********** ******** ********* Company maintains that I owe these damages even though the insurance driver son was the one driving the car who was not insured on their car insurance and I want to know why they're coming after me saying that I didn't have insurance when I was covered under insurance and why they're threatening me with going to the Department of Transportation I don't know who this third party is I couldn't tell you they're saying the damage claim amount is in the notes of what I'm going to send you for the evidence I want to call from these people I want an explanation and I want them to talk to *********** to find out why they filed false claims because they're saying my insurance company said I wasn't insured which is not true cuz I have it if it didn't I have been insured since November and if the insurance companies client did allow her son to drive without being an insured driver then any damages they paid out to her is on *********** not me because I was stopped I wasn't even driving when he hit me cuz all the damage would have been on the passenger side and not the driver side and I have pictures of how little damage there was to the car and that both cars drove off and that I can still drive my car he literally drove off he didn't get it towed he drove off cuz I watched him drive off cuz I parked down the road and he drove off after I got out to check my car so I don't know how it was considered a total loss and any money they paid out needs to go and get recouped from her because he wasn't insured to drive on our car and I have pictures of the car insurance and it wasn't her that was driving it was her son because I have a text message showing her son's name on where on his phone number I sent him copies of my insurance I didn't send it to her I sent it to her son's number she wasn't even there

  Business Response

  Date: 04/17/2023

  Unfortunately, we are unable to locate your account with the information you have provided.  Please provide additional information, such as the telephone number to which Afni may have placed calls, the address to which we have sent correspondence or the Afni or original creditor account number which are located on any letter you may have received from us.  The Afni account number is the easiest way for Afni to locate the account. You are also welcome to call ***** ******** to speak with a Consumer Relations Specialist.

• Initial Complaint

  Date:04/12/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 opened an account in my name and placed it in collections. I do not owe them money...I have never received a letter or any type of Commuinication from AFNI before being sent to collections. I received a letter after the fact saying they got the debt from my account from *******. I confirmed with ******* that I was not sent to collections. I called AFNI and they in fact confirmed that I do not have a debt with them and it was a mistake, They have not closed the account and it has been reported on my credit report as a derogatory account,

  Business Response

  Date: 04/12/2023

  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 #:  ************* with Afni for collections on
  the balance of $447.27.
  The account is for services established on August 1, 2015,
  until ******* considered the account delinquent on April 7, 2017.  The service address associated with the
  account is **** ***** ********** ******* ********* ** ******** ** ******  Afni mailed the initial notice of the account
  on or about February 3, 2023.  On April
  2, 2023, Afni furnished the credit reporting agencies with notice of the
  account. On April 10, 2023, the consumer spoke to an Afni representative and
  stated a dispute on this account.  The
  Afni representative explained that he would note the consumer account and
  checked in ******* systems. Additionally, the Afni representative explained
  that a letter would be mailed to the consumer.  On April 12, 2023, Afni received a dispute from the credit reporting
  agencies, with consumer’s claims of identity theft, reviewed all relevant
  information, and responded appropriately.
  On April 12, 2023, Afni received this complaint.  In response, Afni ceased communication and
  initiated an investigation.  To address
  the consumer’s concerns, Afni did not open this account in the consumer’s name,
  Afni received the account from ******* on January 31, 2023. Additionally, Afni
  mailed the initial notice on or about February 3, 2023, to the same address the
  consumer listed on this complaint with no notice of returned mail.  Afni received the consumer’s verbal dispute
  on April 10, 2023, and the Afni representative explained that it would be
  investigated.  Afni did not have a chance
  to respond to the consumer’s complaint was received.  Afni noted the consumer’s claims of identity
  from the dispute received from the credit reporting agencies. The account was
  updated as potential identity theft as 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:04/10/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 04/10/2023 I spoke with *****, he was letting me know that the company who's account he was handling (*******) had added additional debt to my account. I informed him I would not be paying any of the difference as I have no proof that the additional debt is my responsibility.
  I asked for proof of the nature and he said he legally cannot provide proof of the validation of the debt due to "hipaa violations". I offered to continue my monthly payments on the original amount, but informed him once I reach the original amount I would stop making payments. This was courtesy to him to let him know so he is prepared for the change when it comes and so they know I won't pay past the agreed upon amount. He stated that was not an option. I also let him know I just got a new job and requested I pay my 140 next Friday as I get my paycheck then! He said no, I would be found in default of the full amount, it would cancel my payment agreement, and I would then owe the amount in full. I said we'll u definitely cannot afford the full amount. WHY can't we wait a week. He repeated that it's just not an option. He said I need to ask around for someone to pay the bill FOR me, I need to ask around for a FAVOR. I don't have that option. I explained that I'm more than happy to continue paying, as I've never missed a payment and always kept up with my end of the deal, I just got a new job and won't be getting a paycheck until next Friday. He said that it's not an option AGAIN and THREATENED me. He said "then I will report to (whomever he reports to) and let them know you're refusing to pay and in default of the full debt amount. This will result in a suspension of your license.
  I said I'm not going to pay 140 and go in default of my mortgage or not be able to feed my kids.....
  He said he understood and he is trying to help me. I said well it doesn't sound like it because you aren't giving me any actual options. He continued to say he's going to report me and my license will be suspended.

  Business Response

  Date: 04/17/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the claimant’s concerns.   On January
  4, 2023, ******* Insurance forwarded the subject account, ******* Insurance account
  #: ************* Afni, Inc. account #: ********* ***, with Afni for resolution
  on the balance of $3,322.64. However, on April 4,2023 Afni received an
  adjustment on the account of $750.00, making the new balance owed $3,512.64.
  The claim is from an accident which occurred on September
  23, 2022, involving a vehicle that was listed as driven by the claimant, ********* ******* a 2015 Lexus RX350 vin #: ***************** with license plate: ********  The address provided by ******* Insurance for
  *** ***** ** **** ************ ****** **** ******* ** ******  Afni has not and will not furnish the subject
  claim to the credit reporting agencies.  On
  January 12, 2023, the claimant spoke with an Afni representative and during
  this call set up a payment arrangement for monthly payments on the
  account.  On April 10, 2023, the claimant
  again spoke with an Afni representative, who advised the claimant of open
  medical and that a balance adjustment came in for $750.00. *** ****** stated
  that she was only going to pay for the balance of the property damage and not
  medical expenses. The Afni representative explained that that the balance could
  not be separated and explained that it could lead to default of the payment
  arrangement and that the claimants license could potentially be suspended. Additionally,
  the Afni representative explained that medical documentation could not be sent due
  to HIPAA. *** ****** asked if an upcoming payment could be moved. The Afni
  representative provided an option to the claimant if there was someone that could
  assist in making the payment towards the payment arrangement.
  On April 11, 2023, Afni received this complaint.  In response, Afni ceased communication and initiated
  an investigation.  To address the
  claimant’s concerns, this is a tort, or wrongful act.  There were no services provided to *** ******
  and ******* Insurance is pursuing *** ****** as she was the driver of the
  vehicle that struck Farmer’s insured and was found to be responsible for the
  accident based on the investigation completed by ******* Insurance. *** ****** rear-ended
  another vehicle which caused this vehicle to rear-end the vehicle in front of
  that vehicle, then that vehicle rear-ended ******* insured. ******* Insurance has
  completed their investigation and has found that *** ****** was at fault for
  the accident and the driver listed on the attached police report.   Additionally,
  due to the allegations by the consumer that the Afni representative was
  unprofessional, Afni reviewed the call-in question. Afni apologizes for any
  inconvenience this may have caused the claimant and appreciates the opportunity
  to resolve this matter.  Additionally,
  Afni has addressed the situation with the representative that the claimant
  spoke with and apologizes for the negative experience that she had.  On April 12, 2023, the claimant spoke with an
  Afni supervisor, who explained that Afni reached out to ******* Insurance and
  that Afni received permission to close the account once the property portion of
  the claim was paid. *** ****** declined to continue with a payment arrangement,
  due to the conversation that was had with the Afni representative and the Afni
  supervisor explained that they would remove any future authorized payments from
  the account.  As the claimant has
  requested, Afni will no longer contact the claimant about this account. Afni
  trusts that this response has addressed all of the claimant’s concerns, but if questions
  remain, or if *** ****** would like to discuss the ******* Insurance account
  further, she may contact an Uninsured Motorist Supervisor ***** ** ***** *********

  Customer Answer

  Date: 04/17/2023

   I am rejecting this response because: I don't believe everything was done to resolve the issue at hand. I was not told that my license could be suspended. I was threatened that if I didn't pay today that ***** would report me in default of my agreement and my license WOULD be suspended. Not could be. I said you're going to suspend my license? He said, I'm not, the DMV is.

  That is 100% misinformation and not okay. I asked if he was threatening me and he didn't respond to my question because he knew he was. He was hostile and rude, demeaning, demanding, and threatening as well as unsympathetic to my situation.

  When the collision happened I called the police, I filed the report, I made sure ems showed up, I got checked out; everyone else refused ems and said they were fine and had no injuries. I have ****** ***** in my contacts and he guaranteed that he would absolutely let them know that I was cooperative, concerned, and made zero excuses and took 100% responsibility.

  I did everything in my power to ensure everyone was okay because I felt TERRIBLE. My insurance (********) was completely unprofessional and withdrew my coverage for this incident stating that I was not covered when I absolutely was. I am currently fighting them for reimbursement as well for what I have had to pay out of pocket with both ******* and ***********. Unfortunately it is a time consuming and long exhausting process. When AFNI first contacted me I was happy to hear from them and start making payments! I never missed a payment, I was polite, I admitted responsibility, I immediately set up an payment plan as I couldn't afford the full amount and was very grateful for this option! All of the sudden they switch things up, "can't help me", and start threatening me?. No.  I won't be in contact with them again. Thank you.