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:03/14/2023

  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 ******** ******** **********. They did not provide me with the original application like I requested.

  Business Response

  Date: 03/20/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On December
  23, 2022, **** forwarded the subject account, ******* account #:  *********, Afni, Inc. account #:  ************* with Afni for collections on
  the balance of $697.39.
  The account is for services established on September 1, 2020,
  until **** considered the account delinquent on July 13, 2021.  The service address associated with the
  account is *** ****** ***** ********* ** ******  Afni mailed the initial notice of the account on or about December 28,
  2022.  On February 12, 2023, Afni
  furnished the credit reporting agencies with notice of the account.  On March 9, 2023, Afni received a dispute
  from the credit reporting agencies, reviewed all relevant information, and
  responded appropriately.
  On March 15, 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 is not in receipt of a ******** account for the
  consumer but did locate this **** account. Additionally, Afni has no
  business affiliation with Credence Resource Management and cannot comment on
  their business practices.  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. When
  a consumer submits a dispute through the credit reporting agencies, Afni
  responds directly to the credit reporting agencies. This is the only dispute
  Afni has received. 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
  March 19, 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:03/10/2023

  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.

  We have received a notice from them for someone else but at our address. We have called them to correct the issue but it appears that it is not being handled.
  
  On the notice it shows there file number *********, claim # ************  We have owned the house for years and I searched the Maricopa County website to see if they just input the wrong address but I do not see a ***** ******* anywhere in our area.
  
  We need this corrected asap. This is not us and where they got our address I have no idea. Due to issues with fraud these days, we are needing your help to get this situation corrected asap.

  Business Response

  Date: 03/10/2023

  This is in response to your BBB. Afni appreciates the
  opportunity to respond to *** ******** concerns.  While attempting to contact another
  individual, Afni was provided **** **** **** **** ****, in error.  On March 10, 2023, Afni spoke to a third
  party who stated the address in question was a wrong address. Afni in response
  stopped mail to **** **** **** **** ****, once notified of the wrong address. Afni
  apologizes for any inconvenience this may have caused *** ****** and
  appreciates the opportunity to resolve this matter. Afni will no longer contact
  *** ****** regarding this matter and appreciates *** ****** for bring this
  matter to Afni’s attention.  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: 03/12/2023

  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:03/09/2023

  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 keep getting calls from this company about a past due **** bill. We have never used them and I would like to get this resolved. They are calling my phone asking to speak with my husband, but calling my number.

  Business Response

  Date: 03/10/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On December
  28, 2022, **** forwarded the subject account, **** ******** account
  #:  ************, Afni, Inc. account
  #:  ************, with Afni for
  collections on the balance of $6,147.46.
  The account is for services established on January 1, 2021,
  until **** considered the account delinquent on March 28, 2021.  The billing phone numbers are ***** ********* ***** ********* ***** ********* ***** ********* *** ***** ********.  Afni mailed the initial notice of the account
  on or about December 30, 2022.  On February
  19, 2023, Afni furnished the credit reporting agencies with notice of the
  account.  On March 9, 2023, Afni
  attempted to contact the consumer at ***** ******** and a third party answered.
  During that call, the third party asked who was calling and the Afni
  representative provided their name and Afni. Furthermore, the third party
  stated you should have their number and the call then became disconnected.
  On March 10, 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 spouses’ concerns, the number in question was
  attempted to be contacted one time and removed from Afni’s account management
  system on March 9, 2023. The account was updated as potential identity theft as
  the consumer’s spouse 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 **** ******** ***** of Identity Center, **** *** **** ******** ** **********.  Additionally, ****
  does not require a police report.  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. As the
  consumer’s spouse has requested, Afni will no longer contact them about this
  account. 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:03/07/2023

  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 set up an payment plan with this company that is trying to collect a debt owed. I did so in good faith a email would be sent to me stating the payment plan was in place to pay the debt. The company proceeded to charge my debit card with no letter sent to me stating what the payment plan is or any receipt of payment made. I have made multiple phone calls to this company with little help from the service reps on the other end of the phone. Their only response is a letter was sent. When I ask for an email to be sent they say it is not possible. When I ask to speak to a manager they transfer me to a voice mail because there is never a supervisor on site. When I leave a message my call is never returned. All I asked for is a letter stating the plan is in place and how many payments need to be made emailed to me. Apparently this is too much to ask for from people who always seem to be at a computer to type in my information to pull up my account.

  Business Response

  Date: 03/08/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On June 30,
  2022, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  ************* with Afni for collections on
  the balance of $2,949.78.
  The account is for services established on October 18, 2014,
  until ****** considered the account delinquent on October 24, 2019.  Afni mailed the initial notice of the account
  on July 5, 2022.  On August 21, 2022, Afni
  furnished the credit reporting agencies with notice of the account.  On February 28, 2023, the consumer spoke to
  an Afni representative and agreed to a payment arrangement for a discounted
  payment offer. The consumer asked about a payment arrangement letter and the
  Afni representative explained that the letter requested would be mailed and it
  could take five to seven days to receive. Additionally, the Afni representative
  requested for a settlement agreement letter to be emailed along with a
  statement letter.  The consumer called in
  again and spoke to another Afni representative. Again, the consumer request for
  payment arrangement letter to be sent and the representative explained they
  would put a request in for one. On March 3, 2023, the consumer spoke to another
  Afni representative and asked about a payment arrangement letter. On March 3,
  2023, the payment that was agreed upon was received bring the balance owed to
  $2,866.45.  The Afni representative
  explained that it was mailed out on March 1, 2023 and is a mail order only
  letter. On March 7, 2023, the consumer called in spoke to an Afni
  representative and stated that they have not received the payment arrangement
  letter. Furthermore, they request to speak with a supervisor, the Afni
  representative explained that a supervisor was not available at this time and
  explained that they could leave a message and it would be returned within 24-48
  hours. 
  On March 8, 2023, Afni received this complaint.    In response, Afni ceased communication and
  initiated an investigation.  To address
  the consumer’s concerns, the consumer was advised on the initial call with the
  Afni representative the letter in question would be mailed out in five to seven
  days.  The payment arrangement letter is
  a special request letter and is mail only.  The consumer filed this complaint on March 7, 2023, and the Afni
  supervisor did not have a chance to respond before this complaint was received
  on March 8, 2023. Afni apologizes for any inconvenience this may have caused
  the consumer.  To assist the consumer,
  Afni has attached a copy of the payment arrangement letter that was mailed on
  March 1, 2023, to the response of this complaint, this letter details the
  payment dates and amounts. 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 ***** ********.

  Customer Answer

  Date: 03/08/2023

   I am rejecting this response because:
  
  The amount owed should be lowered to $1000 as agreed upon. That is why the payment is 83.33 a month for 12 months that would equal $1000. That was the agreement made. This is why I requested an email  to make sure arrangements are what I agreed too before payments were removed from my bank account. I still do not I understand why the latter could be emailed to a third party(BBB) but not directly to me. That makes no sense in the world we live in today. 
  

  thank you. 

  Business Response

  Date: 03/10/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On June 30,
  2022, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  ************, with Afni for collections on
  the balance of $2,949.78.
  The account is for services established on October 18, 2014,
  until ****** considered the account delinquent on October 24, 2019.  Afni mailed the initial notice of the account
  on July 5, 2022.  On August 21, 2022, Afni
  furnished the credit reporting agencies with notice of the account. 
  On March 10, 2023, Afni received this complaint.    In response, Afni ceased communication and
  initiated an investigation.  To address
  the consumer’s concerns, the payment arrangement letter is a special request
  letter and is mail only.  The consumer is
  currently set up to pay on a discounted payment offer of $1000.00.  The payments made towards the discounted
  payment offer will come off the full balance and then once the discounted payment
  offer has been met the account will close for the agreed upon balance of
  $1000.00. 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 ***** *********

  Customer Answer

  Date: 03/10/2023

   I am rejecting this response because:
  
  
  I still need a letter from AFNI that says we made arrangements for $1000 discounted offer to settle the account. The letter sent still has a balance of $2949.78 and states no where that the account will be closed after the $1000 is paid. 

• Initial Complaint

  Date:03/06/2023

  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.

  Account ********** was from my ****** phone line that i had closed back in 2018. In the information provided on the AFNI, INC. the date said is 2020. That information is incorrect therefore id like this whole collection account to be removed from my credit report. Also, the amount owed to ****** was nowhere near $800 and I made sure I paid it off to them because I switched carriers. Not only is this account date incorrect but also the amount owed on account is also incorrect. I would like to have this account removed from my report immediately as it has been damaging to my report. I've tried disputing through ******** with no resolution. This is unfair and very upsetting.

  Business Response

  Date: 03/09/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On June 18,
  2020, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  ************, with Afni for collections on
  the balance of $858.87.
  The account is for services until ****** considered the
  account delinquent on March 28, 2018.  The billing address associated with the account is **** **** ****** ******* ****** ** *****.  Afni mailed the
  initial notice of the account on June 21, 2020.  On August 9, 2020, Afni furnished the credit reporting agencies with
  notice of the account.  On December 4,
  2020, and May 7, 2021, Afni received a dispute from the credit reporting
  agencies, reviewed all relevant information, and responded appropriately.
  On March 6, 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, with regard to the consumer’s statement that Afni has
  re-aged the account, Afni has furnished accurate information to the credit
  reporting agencies at all times.  The credit reporting agencies require
  Afni to furnish the date Afni received the account as the open date.
   However, the age of obsolescence for credit reporting is determined by
  the date of delinquency furnished to the credit reporting agencies.  When
  Afni furnished information on the account, it furnished the open date as June
  18, 2020.   As previously stated, the date of delinquency on the
  account is March 28, 2018.  Therefore, Afni has not re-aged the account.  When a consumer submits a dispute through the
  credit reporting agencies, Afni responds directly to the credit reporting
  agencies.  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:03/01/2023

  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 this debt with ****** and do not have a contract with ******. They have not provided me with the original application like I asked

  Business Response

  Date: 03/03/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On August
  18, 2020, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  ************, with Afni for collections on
  the balance of $496.35.
  The account is for services until ****** considered the
  account delinquent on March 13, 2018.  The billing address associated with the account is ** **** ******* ********** ** *****.  Afni mailed the
  initial notice of the account on August 21, 2020.  On October 4, 2020, Afni furnished the credit
  reporting agencies with notice of the account.
  On March 2, 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,
  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 Afni
  has received from the consumer regarding a dispute on this account.  Afni has made the business decision to cease communications
  with the consumer and no longer collect on this account.  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:02/22/2023

  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 have been receiving collection notices from Afni, Inc, since November 2022, it states the creditor as ***** creditor account #*********, balance due $1,581.79, I have called **** on numerous times, speaking to several supervisors and provided the above information, **** cannot locate the account number stated on the collection notices from Afni, inc, much less any past due accounts belonging to me. In addition, I have also given **** my name and address with the amount stating I owe, several **** representatives and supervisors have advised me I do not have any past due balance with **** and nothing reflecting any account under my name sent to collections, **** have advised me to discard the collection notices from Afni, Inc., in addition to stating this is most likely a scam. I continue to receive collection notices from Afni, Inc. with the latest one dated February 6, 2023. I am concerned as this debt from Afni, Inc. is reflecting on my credit report. Your assistance with resolving this matter and removing this unfortunate issue from my credit report at your earliest possible would be greatly appreciated as I have always been in good standing with my accounts. Please note, I have called the number listed on the collection notices from Afni, Inc at ***** ********, identify myself and provide information from the collection notice, then our call is disconnected, which has also been very frustrating. Thank you very much, ****** ***** U.S. Army Retired

  Business Response

  Date: 02/27/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On September
  12, 2022, **** forwarded the subject account, **** ******* ******* ** ********** Afni, Inc. account #:  ************, with Afni for collections on
  the balance of $1,581.79.
  The account is for services established on August 1, 2020,
  until **** considered the account delinquent on November 24, 2020.  The service address associated with the
  account is **** ****** ***** ******** ** *****.  Afni mailed the initial notice of the account on September 17, 2022.  On October 30, 2022, Afni furnished the
  credit reporting agencies with notice of the account.
  On February 23, 2023, Afni received this complaint.  This was Afni’s first contact with the
  consumer.  In response, Afni ceased
  communication and initiated an investigation.   Afni has attached copies of the
  account billing statements to this response; these are provided as validation
  of the account. To address the consumer’s concerns, Afni has no knowledge of
  the details of the discussions between the consumer and **** customer
  service representatives.  Furthermore, Afni
  is a legitimate business and has been in business since 1936.  On February 26, 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: 03/01/2023

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

  I have filed a fraud account report with **** referencing the above account as this is not my account, I have never resided in  the state of ******* or at the address stated. I hope Afni will note this terrible situation that has occurred, and I look forward to Afni removing this account from my credit report. I  hope to resolve this problem as soon as possible. Thank you very much for all your assistance. ****** *****

• Initial Complaint

  Date:02/21/2023

  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 writing in regards of this request due that am not obligated nor liable to this debt surfacing on my on my credit report as collection that I am was unaware of . According to the FDCPA, I have the right to request validation of the alleged debt or competent evidence that bears my signature and shows I have some contractual obligation to pay Anfi Collection agency company. No Transactions were made to the proclamation of debt associated with this Derogatory account Dec-23-2022 Account #*********** as listed on my report so am reporting this illegal activity accordingly to the FDCPA Law I would like to get these items resolved as a permanent removal from my report . Thank you Sincerely ***** ********

  Business Response

  Date: 02/21/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On December
  23, 2022, **** forwarded the subject account, **** ******* ******* #:  ********** Afni, Inc. account #:  ************, with Afni for collections on
  the balance of $171.40.
  The account is for services established on September 1, 2020,
  until **** considered the account delinquent on March 7, 2021.  The service address associated with the
  account is **** ******* ***** ********** ******** ** ******  Afni mailed the initial notice of the account
  on December 30, 2022.  On February 12,
  2023, Afni furnished the credit reporting agencies with notice of the account.
  On February 21, 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.  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.  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 to **** at fax number ***** ******** or mailed to **** **************** ***** ** ******** ******* **** *** **** *********** ** ******  Additionally, **** does
  not require a police report.  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 ****** Fraud Department at ***** ******** if they
  have any questions regarding the fraud process.  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:02/20/2023

  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 checked my credit report and noticed an allege collection from (AFNI, INC,) that was opened in (09/09/2019) balance is ($893.00) with account number starting in ***********) I do not recognize having any agreement with AFNI, INC, and I am not liable for these accounts. This alleged debt is not mine I never entered into a signed agreement or completed an original contract with (AFNI, INC) These inaccurate collections are NOT MINE. I never provided any written consent or permissible purpose for this allege creditor (AFNI, INCto report on my consumer report. I AM THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report. This is a violation of U.S. Code 1681b permissible purposes of consumer reports.
  Pursuant to 15 U.S. CODE 1681b(a)(2)- Permissible purpose, of consumer reports. (A) in general Subject to subsection (c) any consumer reporting agency may furnish a consumer report under the following circumstances and no other (2) In accordance with the written instructions of the consumer to whom it relates. I NEVER PROVIDED WRITTEN PERMISSION OR ANY CONSENT to pull my consumer report. This is a violation and also identity theft! 15 U.S.C. 1681c-2- Block of information resulting from identity theft.
  You have no right under the law to send me any type of communication what so ever. Cease and Desist all communication immediately. Further More You Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that you are implementing your self. Violation: 15 USC 1692b(5), 15 USC 1692(2)(A), 15 USC 1692e(3), 15 USC 1692(6)(B), 15 USC 1692(9), 15 USC 1692(10), 15 USC 1692(11)I demand all collection activity to cease immediately and for this inaccurate collection to be removed and deleted from my credit report immediately or I will file for litigation and report you to the CFPB

  Business Response

  Date: 02/21/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On September
  f9, 2019, ******* forwarded the subject account, ******* account #:  ***************** Afni, Inc. account #:  ************* with Afni for collections on
  the balance of $893.68.
  The account is for services established on April 1, 2016,
  until ******* considered the account delinquent on July 4, 2017.  The service address associated with the account
  is **** ********* ***** ******* ***** ***** ****** ** *****.  On November 10, 2019, Afni furnished the
  credit reporting agencies with notice of the account.
  On February 21, 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, Afni has complied with its
  obligations.  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.  As the
  consumer has requested, Afni will no longer contact the consumer about this
  account.  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 ***** *********

  Customer Answer

  Date: 02/22/2023

   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:02/19/2023

  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.

  in 2019 i was appraoched by AFNI about a collection. originally it was for a little over $100. but was reduced (after several conversations) ultimately to about $35.00. I paid by bank withdrawl. i later recieved a letter stating they recieved payment. it was removed from my credit and i thought that was that.
  
  in 2020 and 2021 i was approach yet again. i dont quite remember the amounts they were asking. In 2020 i sent them an email with the letter verifying that it has been closed as settled. in 2021... i ignored it feeling that AFNI was trying to extort more money out of me. I didn't recieve one for 2022 and thus forgot about it.
  
  I recieved a new letter a few days ago from the same creditor whom i haven't returned to for a new grievance.
  
  Attached are the two letters. The letter verifiying my case has been settled and the new collection notice.

  Business Response

  Date: 02/22/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On October
  4, 2019, ******* forwarded the subject account, ******* account #:  ***************** Afni, Inc. account #:  ************, with Afni for collections on
  the balance of $55.71.
  The account is for services established on July 1, 2016,
  until ******* considered the account delinquent on June 27, 2017.  The service address associated with the account
  is **** ***** ******** ******* ********* ** ******** ** ******  Afni mailed the initial notice of the account
  on October 7, 2019.  Afni has not and
  will not furnish the subject account to the credit reporting agencies.  On November 8, 2019, Afni received payment
  towards a discounted payment offer of $36.21 via Afni’s website from the
  consumer. On November 18, 2019, Afni received notification that the payment was
  returned as nonsufficient funds and the account was not closed.  Afni received a dispute letter from the
  consumer and in response mailed the consumer verification of the debt.
  On February 21, 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, as
  previously noted, the consumer’s payment was returned as nonsufficient funds
  and the account was not closed.  Per the
  attached receipt the consumer provided it states that if the payment received
  is later determined to be invalid, collection activities will resume, and the
  balance will again be owed.  As noted,
  the consumer’s payment was returned, and collection activities resumed on the
  account.  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 ***** *********