Business Profile

Collections Agencies

Afni, Inc.

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Complaints

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

Customer Complaints Summary

301 total complaints in the last 3 years.
12 complaints closed in the last 12 months.

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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.

Initial Complaint
Date:02/12/2023
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.
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 like I asked.
Business Response
Date: 02/13/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On October
25, 2021, ****** forwarded the subject account, ****** account #: *********, Afni, Inc. account #: ************, with Afni for collections on
the balance of $2,562.38.
The account is for services established on September 28,
2019, until ****** considered the account delinquent on September 18, 2020. The billing address associated with the
account is *** ********* ********* ***** **** ***** ****** ** *****, which is the same address the consumer
listed on this compliant. Afni mailed
the initial notice of the account on October 28, 2021. On December 12, 2021, Afni furnished the
credit reporting agencies with notice of the account. On February 9, 2023, Afni
received the consumer’s written letter of dispute. On February 12, 2023, Afni made the business
decision to request the credit reporting agencies to remove the item from the
consumer’s credit report.
On February 13, 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, Afni received the consumer written letter of dispute on
February 9, 2023, and was investigating the consumer’s dispute without a chance
to respond before this complaint was received. 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 90 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:02/07/2023
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 received a statement bill $669.92 in the mail of my parents home from Afni, Inc. bill collectors for **** in my name. Side note I've never lived with my parent at their current address. I did not open this account and did not authorize anyone to do so in my behalf. **** said to file police report and submit affidavit documentation to pursue this investigation. Which I've done.

Afni, Inc. is harassing me non-stop by phone/mail to pay, and threatened me if not my credit report will be damaged. I'm 47 y.o I have made it my life mission (this far) for my credit report/score to be impeccable! And to have Afni, Inc. attempt to tarnished my credit that I worked so hard for is just unacceptable!! Something needs to be done. Afni, Inc. needs to be stopped. They are the bullies that pray on the hard honest working middle class people. After all. THIS. IS. AMERICA ???? !!!

Please help me !!!
My name is ****** **** Their references # ************
This company is located:
Afni, Inc.
P.O. BOX **** ************ ** ********** ***** ********
Business Response
Date: 02/07/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On January
20, 2023, **** forwarded the subject account, ******* ******* ** *********, Afni, Inc. account #: ************* with Afni for collections on
the balance of $669.92.
The account is for services established on November 1, 2020,
until **** considered the account delinquent on October 26, 2021. The service address associated with the
account is ***** **** ******* ******* ** ****** Afni mailed the initial notice of the account on or about January 26,
2023. Afni has not and will not furnish
the subject account to the credit reporting agencies.
On February 7, 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, Afni has no knowledge of the details
of the discussions between the consumer and ****. This complaint is the
first notification from the consumer Afni received with their claims of
identity theft. Additionally, Afni only
contacts consumers at the allowable times and frequency as regulated by state
and federal law. Furthermore, Afni has
only mailed one letter which is the initial notice. At no time has Afni threatened the consumer
that their credit report would be damaged. 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 for completion. Afni
encourages the consumer to return the Fraud Affidavit within 21 days to *******
for investigation. The completed
affidavit can be faxed to ******* at ***** ********. 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. 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. Afni trusts
this response has addressed the consumer’s concerns, but if questions remain,
or if they would like to discuss the account, they may contact a Consumer
Relations Specialist at ***** *********
Customer Answer
Date: 02/07/2023
Better Business Bureau:

I have reviewed the response made by BBB. As on now, I have not seen nor received any response or therefore satisfactory of Afni, Inc. I will comply with any if not all my help and my full cooperation with BBB to resolve this issue. I appreciate your help and guidance that BBB is helping me through this difficult and stressful situation. Thank you in advance BBB.
Customer Answer
Date: 02/07/2023
Hello BBB, I have just received an email from the *** ******* Police Department Investigative Report and is approved and has been assigned an DR Number: **********
Customer Answer
Date: 02/07/2023
I am rejecting this response because: I mentioned before. I've never lived in this address + the address that Afni has associated with account is ***** **** *** ******* *** ***** that is NOT my address ether. I've made several calls to **** to clarify this is an error on their part but will no longer have access to this account because now is forward to Afni, Inc. and they are now handling this matter. In addition I've made several calls to Afni, Inc. their response is nothing they can do cause it's in collections, they don't answer my calls and their favorite one seems to be I need to pay now or legal action and my credit report will be damaged permanently. I also attached an identity theft Affidavit. I cover my personal information to prevent being harassed even further Afni, Inc. I have a legal documentation to prove they like to harassed honest working people with no cause. I had attached a legal letter from the *** ****** Dept Investigative Report attached with DR Number to put an end to the harassment and defaming of my personal information and character.
Business Response
Date: 02/08/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On January
20, 2023, **** forwarded the subject account, ******* ******* ** *********, Afni, Inc. account #: ************* with Afni for collections on
the balance of $669.92.
The account is for services established on November 1, 2020,
until **** considered the account delinquent on October 26, 2021. The service address associated with the
account is ***** **** ******* ******* ** ****** Afni mailed the initial notice of the account on or about January 26,
2023. Afni has not and will not furnish
the subject account to the credit reporting agencies.
On February 8, 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, Afni has no knowledge of the details
of the discussions between the consumer and ****. This complaint is the
first notification from the consumer Afni received with their claims of
identity theft. Additionally, Afni only
contacts consumers at the allowable times and frequency as regulated by state
and federal law. Additionally, at no time has any Afni
representative asked the consumer to pay this bill, as this complaint is the
first contact Afni has had with the consumer regarding this account.
Furthermore, at no time has Afni harassed the consumer regarding this account. As
noted in the previous complaint response, Afni has noted the consumer’s claims
of identity theft. Afni will forward the
consumer’s fraud affidavit and police report to ******** The consumer may also contact ********* Fraud
Department at ***** ******** if they have any questions regarding the fraud
process. 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. Afni trusts this response has
addressed the consumer’s concerns, but if questions remain, or if they would
like to discuss the account, they may contact a Consumer Relations Specialist at ***** *********
Customer Answer
Date: 02/09/2023
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. As long as Afni, Inc does not back track, keep their word in not contacting me via mail nor telephone. Additionally, I have also reached out to **** left several messages to inform them this is a identity theft case and they need to clear & remove my name from any delinquent account.
Initial Complaint
Date:02/03/2023
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 do not have a contract, financial obligation or service with Medical Data Systems,
Inc. I never signed any agreement or commitment with this
company for $1058 with account number showing at **********. The other collection account is with Afni, Inc is reporting to my Transunion,
Equifax and Experian report and it is erroneous. Please remove
this derogatory information from my credit file. It is giving me bad credit. I never agreed to anything with this company.
This is so frustrating to have erroneous information show up on
your credit report.
Business Response
Date: 02/03/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On July 18,
2022, ****** forwarded the subject account, ****** account #: *********, Afni, Inc. account #: ************, with Afni for collections on
the balance of $1,058.64.
The account is for services established on September 22,
2019, until ****** considered the account delinquent on November 23, 2019. Afni
mailed the initial notice of the account on or about July 23, 2022. On September 4, 2022, Afni furnished the
credit reporting agencies with notice of the account.
On February 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 concerns, Afni has no business affiliation
with ******* **** *******, Inc. and cannot comment on their business practices. Additionally, the subject account has
not been purchased by Afni. Afni
received the account from ****** and acts as an agent on behalf of ******;
therefore, the consumer would not have a contract with Afni. 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 Consumer Relations Specialist at ***** *********
Initial Complaint
Date:02/01/2023
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 did not provide me with the original application like I asked.
Business Response
Date: 02/06/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On August
19, 2022, **** forwarded the subject account, **** ******** ******* ** ************* Afni, Inc. account
#: ************, with Afni for
collections on the balance of $587.34.
The account is for services established on March 24, 2021,
until **** considered the account delinquent on November 14, 2021. The billing address associated with the
account is **** ***** ******* ********** ********* **** *** ****** ** *****, and
the phone number is ***** ********. Afni
mailed the initial notice of the account on or about August 24, 2022. On October 9, 2022, Afni furnished the credit
reporting agencies with notice of the account.
On February 1, 2023, Afni received this complaint. This was Afni’s first contact with the
consumer. In response, Afni ceased
communication and initiated an investigation. Afni has attached copies of the
account billing statements to this response; these are provided as validation
of the account. To address the
consumer’s concerns, the subject account has not been purchased by Afni. Afni received the account from **** and
acts as an agent on behalf of ****; therefore, the consumer would not have
a contract with Afni. Furthermore, this
complaint is the first notification Afni has received regarding a dispute on
this account. A signed contract is not
always required to initiate **** services, as orders for services can be
taken over the phone or via the internet, which are considered verbal and
electronic signatures, respectively. On
February 5, 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 Consumer
Relations Specialist at ***** *********
Customer Answer
Date: 02/06/2023
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:01/26/2023
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 a negative mark on my credit report from Afni. It shows that it is from *******. I have been in CA for going on 24 months and I am never able to get a representative from Afni on the phone to get information about the account. I have never received a letter either about the account and I have been at my current address going on 24 months and when I did have *******, it was on their no credit check, pay in advance program.
Business Response
Date: 01/27/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On June 12,
2017, ******* forwarded the subject account, ******* account #: ****************, Afni, Inc. account #: ************* with Afni for collections on
the balance of $270.90.
The account is for services until ******* considered the
account delinquent. The service address
associated with the account is *** ***** ******* ******* ** *****. Afni mailed the initial notice of the account
on or about June 15, 2017. On August 13,
2017, Afni furnished the credit reporting agencies with notice of the account.
On December 20, 2020, Afni sent a request to the credit reporting agencies to
remove the account from the consumer’s credit report. On February 10, 2022, ******* requested Afni
to cease collections and return the account.
On January 26, 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 apologizes for any inconvenience this may have caused the
consumer in regards attempting to reach an Afni representative and
unfortunately Afni has no control over call volume. Afni is no longer the collection agency
handling the subject account. Further
inquiries regarding the account should be directed to *******.
Customer Answer
Date: 01/27/2023
I am rejecting this response because:

I really think AFNI should hire someone else to handle their BBB complaints because the response I just read is NOT for my account, it doesn’t correspond to my complaint or the amount that was placed on my credit. However, I will reach out to ******* to find out who that account number that AFNI listed in the response really belongs to so they can see that AFNI has breached a contract with them and disclosed information incorrectly. Compliance should be #1 when dealing with debt collections. I would like AFNI to remove this debt from my social *********** as it is not mine and I have NEVER EVER lived in the state they listed as the service address nor do I even know anyone who has. I wouldn’t even be making a complaint if they would have someone answer phone calls to begin with.
Business Response
Date: 01/30/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On November
8, 2022, ******* forwarded the subject account, ******* account #: 8396120010912211, Afni, Inc. account #: 085103159-01, with Afni for collections on
the balance of $1,140.64.
The account is for services established on April 1, 2022,
until ******* considered the account delinquent on July 4, 2022. The service address associated with the
account is **** **** ****** ****** ******** ** 30909. Afni mailed the initial notice of the account
on or about November 13, 2022. On January
8, 2023, Afni furnished the credit reporting agencies with notice of the
account.
On January 30, 2023, Afni received this complaint. In response, Afni ceased communication and
initiated an investigation. To address the consumer’s concerns, the prior
account in questions was located with limited information provided in the
original complaint. The secondary complaint provided more information and Afni
was able investigate further and located the prior account in error. Afni apologizes for the inconvenience this
may have caused the consumer. Afni is
unable to control call volumes when the consumer is attempting to call in and apologizes
for long hold times. 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 Consumer
Relations Specialist at ***** *********
Customer Answer
Date: 01/31/2023
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:01/25/2023
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.
It has recently been brought to my attention that AFNI was reporting an account to all three Credit Bureaus. TransUnion and Equifax have removed this account in good faith, since they did not find sufficient evidence to validate it. However this account is still showing on my Experian Credit report. This account has made it impossible for me to rebuild my credit and rent/purchase a home. The financial burden of this account is holding me back from being able to afford continued medical treatments. I have not received a letter validating the alleged debt after requesting one and do not think that it has been sent to the correct address. Furthermore I dispute that this is a debt that I owe. My correct address is the one attached to this complaint. I would have disputed it from the beginning if I had received the proper documentation. I request that this alleged debt be removed from the final Credit Bureau (Experian) on my credit report, so that I can continue medical treatments. Account #: ***********
Business Response
Date: 01/27/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On September
26, 2022, ******* forwarded the subject account, ******* account #: ****************, Afni, Inc. account #: ************* with Afni for collections on
the balance of $255.94. Please note that this is for bundled services and all
equipment charges are not included in the balance Afni is collecting upon.
The account is for services established on October 1, 2018,
until ******* considered the account delinquent on July 28, 2020. The service address associated with the
account is *** ********* ***** ********* *** ********* ** ****** Afni mailed the initial notice of the account
on or about October 1, 2022. On November
27, 2022, Afni furnished the credit reporting agencies with notice of the
account. On January 16, 2023, Afni received a dispute from the credit reporting
agencies, reviewed all relevant information, and responded appropriately.
On January 26, 2023, Afni received this complaint. In response, Afni ceased communication and
initiated an investigation. Afni has attached copies of the account
billing statements to this response; these are provided as validation of the
account. To address the consumer’s concerns, when a consumer submits a dispute
through the credit reporting agencies, Afni responds directly to the credit
reporting agencies. Therefore, Afni has
complied with its obligations. Afni will
send a request to the credit reporting agencies to remove the account from the
consumer’s credit report. Please be
aware that it can take the credit reporting agencies anywhere from 0 to 60 days
to update consumer credit reports. Afni
has no control over how quickly the credit reporting agencies update consumer
credit reports. However, this does not
mean that the account is not due and owing, simply that Afni will no longer
furnish the account to the credit reporting agencies. Afni trusts this response has addressed the
consumer’s concerns, but if questions remain, or if they would like to discuss
the account, they may contact a Consumer Relations Specialist at ***** *********
Initial Complaint
Date:01/23/2023
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.
Credit is being affected by an account that does not belong to myself. Company has not sent any information regarding such account
Business Response
Date: 01/24/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On November 25,
2022, **** forwarded the subject account, ******* account #: *********, Afni, Inc. account #: ************, with Afni for collections on
the balance of $286.42.
The account is for services established on February 1, 2019,
until **** considered the account delinquent on July 12, 2021. The service address associated with the
account is ** ***** ***** ***** ******* ** ****** Afni mailed the initial notice of the account
on or about November 30, 2022. On
January 15, 2023, Afni furnished the credit reporting agencies with notice of
the account.
On January 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, Afni mailed
the initial notice on or about November 30, 2022, with no notice of returned mail.
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 for completion. Afni encourages the consumer to return the
Fraud Affidavit within 21 days to ******* for investigation. The completed affidavit can be faxed to
******* at ***** ********. 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. 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 Consumer Relations Specialist at ***** *********
Initial Complaint
Date:01/21/2023
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.
On 1/8/2023 Afni, Inc reported that I owe $932 for ****. I never received any notification whatsoever about this account. My credit report has been frozen on Equifax, Experian and Transunion for quite some time. I have never had an **** account. I am wondering how an account was opened, in my name, when my credit was frozen.
Business Response
Date: 01/23/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On October
31, 2022, **** forwarded the subject account, ******* ******* ** ********** Afni, Inc. account #: ************, with Afni for collections on
the balance of $932.00.
The account is for services established on May 1, 2021,
until AT&T considered the account delinquent on June 2, 2021. The service address associated with the
account is **** ****** * ****** ********** ** ****** Afni mailed the initial notice of the account
on or about November 9, 2022. On December
18, 2022, Afni furnished the credit reporting agencies with notice of the
account.
On January 23, 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 mailed the initial notice on or
about November 9, 2022, with no notice of returned mail. Afni has no knowledge
of how the account was opened. 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
for completion. Afni encourages the
consumer to return the Fraud Affidavit within 21 days to ******* for
investigation. The completed affidavit
can be faxed to ******* at ***** ********* 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 Consumer Relations Specialist at ***** *********
Customer Answer
Date: 01/23/2023
I am rejecting this response because: As soon as this fraud was identified I called ****** **. All three credit ratings had my account frozen at the time the ****** ** account was opened FRAUDULENTLY in my name. I have never lived in Texas.

Business Response
Date: 01/24/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On October
31, 2022* **** forwarded the subject account, ******* ******* ** *********, Afni, Inc. account #: ************, with Afni for collections on
the balance of $932.00.
The account is for services established on May 1, 2021,
until **** considered the account delinquent on June 2, 2021. The service address associated with the
account is **** ****** * ****** ********** ** ****** Afni mailed the initial notice of the account
on or about November 9, 2022. On December
18, 2022, Afni furnished the credit reporting agencies with notice of the
account.
On January 23, 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 no knowledge of the details
of the discussions between the consumer and *******. As stated in the last
complaint response Afni has noted the consumer’s claims of identity theft and
provided a Fraud Affidavit for the consumer’s completion. The consumer may also contact *******'s 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 Consumer Relations Specialist at ***** *********
Initial Complaint
Date:01/18/2023
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.
Jan 18, 2023 Creditor: AFNI Account number: ********** Collection Agencies Creditor Address ** *** ***** ************ *** ***** I am not liable with this debt for $999 with AFNI nor do I have a contract with Afni Collections. They did not provide me with an original application like I asked.
Business Response
Date: 01/19/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On November
14, 2022, ******* forwarded the subject account, ******* account #: ****************, Afni, Inc. account #: ************, with Afni for collections on
the balance of $1,035.00. However, on December
19, 2022, Afni received an adjustment on the account of $36.00, making the new
balance owed $999.00.
The account is for services established on October 16, 2018,
until ******* considered the account delinquent on March 27, 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 November 19,
2022. On January 15, 2023, Afni
furnished the credit reporting agencies with notice of the account.
On January 19, 2023, Afni received this complaint. This was Afni’s first contact with the
consumer. In response, Afni ceased
communication and initiated an investigation. Afni has attached copies of the
account billing statements to this response; these are provided as validation
of the account. To address the consumer’s concern’s, the subject account has
not been purchased by Afni. Afni
received the account from ******* and acts as an agent on behalf of *******;
therefore, the consumer would not have a contract with Afni. Furthermore, this
complaint is the first notification Afni has received from the consumer stating
there is a dispute regarding this account. Afni has no knowledge of any current
services the consumer may have with *******. Afni will send a request to the credit reporting agencies to remove the
account from the consumer’s credit report. Please be aware that it can take the credit reporting agencies anywhere
from 0 to 60 days to update consumer credit reports. Afni has no control over how quickly the
credit reporting agencies update consumer credit reports. However, this does not mean that the account
is not due and owing, simply that Afni will no longer furnish the account to
the credit reporting agencies. Afni
trusts this response has addressed the consumer’s concerns, but if questions
remain, or if they would like to discuss the account, they may contact a Consumer
Relations Specialist at ***** *********
Initial Complaint
Date:01/16/2023
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’ve been receiving calls about “having a debt” for my vehicle. Which I’m currently up to date on (also have my receipts) to prove this and also has contacted the bank that owns the vehicle n spoke with them n they stated Iam up to date.
- My. Current gf (******* ******* is the primary on this vehicle and Iam co signer, they had told her that there was a debt of 300$ ( which we don’t know why if the car is up to date on payments) .
- Ive called so many times and spoke with multiple people who stated “ I’ll leave a note” to fix this solution n never do. Iam continually receiving calls about this unknown “debt” . Please help on solving this

Can you PLEASE! solve this problem and put me on there DoNotCall list immediately!
Business Response
Date: 01/17/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On February
7, 2022, ****** forwarded the subject account, ****** account #: *********, Afni, Inc. account #: ************* with Afni for collections on
the balance of $398.25.
The account is for services established on May 26, 2016,
until ****** considered the account delinquent on October 29, 2020. The billing address associated with the
account is **** **** ****** ****** ******** ** *****, which is the same address
the consumer listed on this complaint. Afni
mailed the initial notice of the account on or about February 12, 2022. On March 27, 2022, Afni furnished the credit
reporting agencies with notice of the account. The consumer has spoken with multiple Afni representatives regarding
this account. On January 16, 2023, the
consumer spoke with an Afni representative and set up postdated payment for
January 20, 2023, and February 3, 2023, to close the account.
On January 17, 2023, Afni received this complaint. In response, Afni ceased communication and
initiated an investigation. To address
the consumer’s concern, Afni is not in receipt of any vehicle accounts for the
consumer and has placed the consumer’s number on Afni’s internal do not call
list. Additionally, on January 17, 2023,
Afni mailed the consumer a payment arrangement letter that details out the
payments that are noted above. Furthermore, the consumer would receive payment reminders prior to the
payments being withdrawn from their 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 Consumer Relations Specialist at ***** *********

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Afni, Inc. is NOT a BBB Accredited Business.