Business Profile

Collections Agencies

Afni, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

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

Customer Complaints Summary

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

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:01/15/2023
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.
Afni, Inc.
**** ****** ****** **** *** **** *** **** ************ ** ********** ***** ******** Afni is still sending notification letters for a balance due on a car accident that was settled months ago in the summer of 2022. I have contacted them multiple times and was notified the issue was already settled and nothing is owed. There is still a delinquent debt on my credit because of their incompetence.

File#: *********
Claim#: ********** Date of Loss: 05-01-2022
Damage Claim amount: $13,097.17

Additionally, (1) the accident was found to the the fault of other driver and (2) this was a company vehicle that I was required to driver for work and had no control or access to insurance information or coverage.

The Company responsible for vehicle rental and insurance is:

********* ******** **** Inc.
**** * ******* *** ****** ** ***** ***** ********
Thank you
Business Response
Date: 01/25/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the claimant’s concerns. On December
5, 2022, ******* ********* forwarded the subject account, ******* ********* account
#: ************, Afni, Inc. account #: ********* **** with Afni for resolution
on the balance of $13,097.17.
The claim is from an accident which occurred on May 1, 2022,
involving a vehicle that was listed as driven by the claimant, **** ***; 2019
Isuzu N series vin #: ***************** with license plate: *******. Afni
mailed the initial notice of the claim on or about December 5, 2022. The
initial notice was the only letter that has been sent to claimant. Afni has not
and will not furnish the subject claim to the credit reporting agencies. On December 27, 2022, Afni received an email
letter of dispute from the claimant's attorney. Afni has attempted to reach out to the claimant’s attorney to discuss
the account and have been unsuccessful.
On January 17, 2023, Afni received this complaint. This was Afni’s first contact with the claimant. 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 ******* ********* is pursuing *** *** as he was the driver of the vehicle
that struck ******* *********’s insured and was found to be responsible for the
accident based on the investigation completed by ******* *********. *** *** attempted to merge into ******* ********* lane causing *** *** to collide with ******* *******. Additionally,
******* ********* confirmed that *** *** was responsible for providing his own
insurance while driving the vehicle in question. ******* ********* has completed their
investigation and has found that *** *** was at fault for the accident. This complaint is the only
notification and contact Afni has received from the claimant stating that the
account was settled and not owed. Additionally, Afni is not in receipt of any
communications stating that this account has been settled or resolved. 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 ******* ********* account further, he may contact an
Uninsured Motorist representative at ***** *********
Initial Complaint
Date:01/12/2023
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.
Yesterday, January 11th 2023, my wife received a call from afni collections concerning a collection account (AFNI acct. *********) from ******* ********. I contacted afni via telephone to explain that ******* should never have forwarded the account to AFNI because *******, in fact, owed me money as they took over $500 illegally from my wife's checking account (my ******* phone #**********, acct. ***************). This was an unauthorized taking and yesterday I filed another BBB complaint against ******* (BBB Complaint *** ******. I spoke with three people at AFNI (*******, *******, ******) and emailed AFNI documentation of my text chat with ******* confirming that the international calling plan and subsequent charges in question should never have been made to the account. This documentation is also part of this complaint. The charges result from an international calling plan I requested in June as part of our honeymoon travels. The ******* agent assured us that the international plan would only be for one month. However, the $100/month international plan continued to charge my wife's checking account despite multiple phone calls and ******* app text chats (attached). I am requesting a pay for delete from AFNI, that they in writing acknowledge there is no outstanding amount owed, and that no adverse action will result to my or my wife's credit reporting.
Business Response
Date: 01/13/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On January
4, 2023, ******* ******** forwarded the subject account, ******* ******** account
#: ***************, Afni, Inc. account
#: ********* ***, with Afni for
collections on the balance of $143.41.
The account is for services until ******* ******** considered
the account delinquent on December 7, 2022. Afni mailed the initial notice of the account on or about January 6,
2023. Afni has not and will not furnish
the subject account to the credit reporting agencies. On January 11, 2023, the consumer spoke with
multiple Afni representatives and stated there was a dispute regarding this
account. On January 11, 2023, an
adjustment was made on the account of $100.00, making the new balance owed $73.41. Then on January 12, 2023, another adjustment
was made on the account of $73.41 bring the balance owed to zero.
On January 12, 2023, Afni received this complaint. In response, Afni ceased communication and
initiated an investigation. To address
the consumer’s concern, the balance was adjusted to a zero balance. Again, Afni
has not and will not furnish the subject account to the credit reporting
agencies. Afni trusts this response has
addressed the consumer’s concerns, but if questions remain, or if they would
like to discuss the account, they may contact a Consumer Relations Specialist at ***** *********
Initial Complaint
Date:01/12/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have not had a sprint contract since 2013-2015. I closed my account in 2019 after some fraudlent charges, and some really bad service( less than 500mb of data and zero phone coverage) on my account. On a bill in dec 2019 they billed me$ 1,230.00 of fraudlent charges. My bill was 60.00-70.00 every month I called and wrote many letters with no reponse..
They never got back to me or explained where $ 1,230.00 came from. I got it removed several.times from my credit reports as fraud.
I never recived any letters from this collection agency before they put it on my ******** report 1/9/23. I have called several times to dispute and they hang up on me.
This is an illegal account on my report. Its been over 3 years since it was closed. Also According to pennsylvania a creditor has up to.2 years to report anything to credit reports.
I have asked them for a street mailing address or a fax number to send them my last bill endimg jan 2020 showing fraud. Tbey said they have none and hang up on.me.
They need to remove from file or i will have to sue them with an attorney..
Business Response
Date: 01/12/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On November
1, 2022, ****** forwarded the subject account, ****** account #: *********, Afni, Inc. account #: ************, with Afni for collections on
the balance of $1,504.34.
The account is for services established on October 22, 2013,
until ****** considered the account delinquent on August 8, 2020. The billing 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 10, 2023, the consumer spoke to an Afni representative regarding
this account. The consumer requested to
speak with a supervisor and the Afni representative explained that they may
receive a voicemail and to leave their call back information for a returned
call.
On January 12, 2023, Afni received this complaint. In response, Afni ceased communication and
initiated an investigation. To address
the consumer’s concern’s, Afni mailed the initial notice on or about November
9, 2022, with no notice of returned mail. Additionally, at no time did an Afni representative disconnect the call
while speaking to the consumer. Furthermore, the consumer requested to speak
with a supervisor and the Afni representative explained that they may receive a
voicemail and the consumer declined to leave a voicemail. Regarding the request for a fax number, the
Afni representative explained that Afni did not have a fax number and the
consumer could email the documentation in and the consumer declined. There was no request from the consumer
regarding a physical mailing address for Afni. The account was updated as potential identity
theft as the consumer denied knowledge of any service with ******* Afni encourages the consumer to visit
******** 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 ***** *********
Customer Answer
Date: 01/12/2023
I am rejecting this response because:

like i said. this bill from sprint feb 2020.has 1,230..00
of fraudlent charges. i closed the account.
penssylavania law has a 2 year limitations to sue and
report to credit file.
the last bill dated jan 24 i owed 8.62
the next bill dated feb(i already closed
account) was 1,230.00.
where was those charges from.
sprint is now closed company.
they never responded to my
letters..
these charges are fraudelent and its past the 2years
pa law and federal law under f.c.r.a.
nobody can prove or show me how i went from 60.00
monthly bills to(closed account jan 30th 2020)
to owning $1,230.00.
they need to remove collection and follow state and federal laws.
they never sent any mail to me.
the address they have is also incorrect..
Business Response
Date: 01/13/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On November
1, 2022, ****** forwarded the subject account, ****** account #: ********** Afni, Inc. account #: ************, with Afni for collections on
the balance of $1,504.34.
The account is for services established on October 22, 2013,
until ****** considered the account delinquent on August 8, 2020. The billing 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 10, 2023, the consumer spoke to an Afni representative regarding
this account. The consumer requested to
speak with a supervisor and the Afni representative explained that they may
receive a voicemail and to leave their call back information for a returned
call.
On January 13, 2023, Afni received this complaint. In response, Afni again ceased communication
and initiated another investigation. Afni has provided account billing
statements for the consumer’s reference. To address the consumer’s concern’s, Afni
mailed the initial notice on or about November 9, 2022, with no notice of
returned mail. In regard to the
consumer's concerns about the age of the account, the statute of limitations
applies to the legal remedy taken in a court of law. Afni does not file suit on collection
accounts. Afni has no knowledge of the details of the discussions between the
consumer and ******. Furthermore, Afni has complied with its obligations under
the FCRA. 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 ***** ********* 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 ***** *********
Initial Complaint
Date:01/10/2023
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.
I am not liable for this debt with 10 ** * and do not have a contract with AFNI. Well over 3 months ago, I asked them to provide me with proof that the debt belongs to me. They have yet to provide me with any original documentation.
Business Response
Date: 01/20/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On October
18, 2022, **** forwarded the subject account, **** account #: *************, Afni, Inc. account #: ************, with Afni for collections on
the balance of $266.88.
The account is for services established on May 1, 2020,
until **** considered the account delinquent on December 15, 2020. Afni mailed the initial notice of the account
on or about October 23, 2022. On December
4, 2022, Afni furnished the credit reporting agencies with notice of the
account.
On January 12, 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’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. This
complaint is the first notification Afni has received from the consumer
regarding a dispute on this account. Additionally, a signed contract is not always required to initiate ****
services, as orders for services can be taken over the phone or via the
internet, which are considered verbal and electronic signatures, respectively. On
January 15, 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 has
made the business decision to cease communications with the consumer and no
longer collect on this account. Afni
trusts this response has addressed the consumer’s concerns, but if questions
remain, or if they would like to discuss the account, they may contact a Consumer
Relations Specialist at ***** *********
Initial Complaint
Date:01/10/2023
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.
15 U.S.C. 1681 Section 602 A states I have the rights to privacy.
15 U.S.C. 1681 604 A Section A: It also states a consumer reporting agency cannot furnish an account without my written instructions.
15 U.S.C. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collector of any debt.
Business Response
Date: 01/11/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On September
27, 2022, **** forwarded the subject account, **** Mobility account
#: ************* Afni, Inc. account
#: ********* ***, with Afni for
collections on the balance of $99.19.
The account is for services established on August 23, 2016,
until **** considered the account delinquent on January 19, 2021. The billing address associated with the
account is ***** **** *** ****** ********* **** ******** ** ****** which is the
same address the consumer listed on this complaint and the phone number is
(832) 754-5419. Afni mailed the initial
notice of the account on or about October 2, 2022. On November 13, 2022, Afni furnished the
credit reporting agencies with notice of the account. On November 14, 2022,
Afni received the consumer’s written letter of dispute. In response, Afni ceased communication and
initiated an investigation. On November
29, 2022, Afni mailed the consumer verification of the debt. On January 8,
2023, Afni made the business decision to request the credit reporting agencies to
remove the account from the consumer’s credit report. Furthermore, on January 10, 2023, Afni
received another written letter of dispute from the consumer.
On January 11, 2023, Afni received this complaint. In
response, Afni again ceased communication and initiated another
investigation. Afni has attached copies of the previously
provided account billing statements to this response; these are provided as
validation of the account. To address
the consumer’s concern, Afni has complied with its obligations. Again, Afni sent a request to the credit
reporting agencies to remove the account from the consumer’s credit
report. Please be aware that it can take
the credit reporting agencies anywhere from 0 to 60 days to update consumer
credit reports. Afni has no control over
how quickly the credit reporting agencies update consumer credit reports. However, this does not mean that the account
is not due and owing, simply that Afni will no longer furnish the account to
the credit reporting agencies. Afni
trusts this response has addressed the consumer’s concerns, but if questions
remain, or if they would like to discuss the account, they may contact a Consumer
Relations Specialist at ***** *********
Customer Answer
Date: 01/12/2023
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:01/08/2023
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.
Recently a collection from Afni, Inc. came on my credit report on EXPERIAN. I am not liable for this debt nor have a contract with them, also they do not have license to collect in my state which is Texas. They are operation illegally! This agency is in violation of 15 U.S. Code 1692g. They were suppose to notify me of this in writing 14 days prior, I was not. As the original creditor , only I can validate this alleged debt. I do not validate this alleged debt. Please assist me with removing this erroneous account from all my credit reports asap!
Business Response
Date: 01/09/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On March 17,
2022, **** forwarded the subject account, **** ******* account #: *********, Afni, Inc. account #: ************* with Afni for collections on
the balance of $336.22.
The account is for services established on June 1, 2018,
until **** considered the account delinquent on June 9, 2020. The service address associated with the
account is **** ******** ******* ***** ******** ** ****** Afni mailed the initial notice of the account
on or about March 22, 2022. On May 8,
2022, Afni furnished the credit reporting agencies with notice of the account. On December 12, 2022, Afni received the
consumer’s written letter of dispute. While
investigating the consumer dispute, On December 14, 2022, **** requested
Afni to cease collections and return the account. On December 15, 2022, Afni
mailed the consumer a letter explained that Afni was no longer handling the
account. On December 18, 2022, Afni sent
a request to the credit reporting agencies to remove the account from the
consumer’s credit report.
On January 9, 2023, Afni received this complaint. In response, Afni ceased communication and
initiated an investigation. 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.
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 does not furnish, nor is
Afni required to furnish, our agreement with **** granting us the authority
to collect on a debt. A license is not
required to collect on debt in the state of Texas. Afni mailed the initial notice on or about
March 22, 2022, with no notice of returned mail. Afni is no longer the collection
agency handling the subject account. Again, Afni sent a request to the credit reporting agencies to remove
the account from the consumer’s credit report. Please be aware that it can take the credit reporting agencies anywhere
from 0 to 60 days to update consumer credit reports. Afni has no control over how quickly the
credit reporting agencies update consumer credit reports. Further inquiries regarding the account
should be directed to ****.
Initial Complaint
Date:01/06/2023
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.
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law. Here are the details of the said inaccurate accounts, company name, balance & date last reported:

Account Name AFNI Balance $859.00 Account Number **********
Business Response
Date: 01/06/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On September
21, 2020, Comcast forwarded the subject account, ******* ******* ** ****************, Afni, Inc. account #: ************, with Afni for collections on
the balance of $859.83.
The account is for services established on September 1, 2018,
until Comcast considered the account delinquent on November 16, 2018. The service address associated with the
account is **** ******* ********** **** *********** ** *****. Afni mailed the initial notice of the account
on or about September 24, 2020. On November
22, 2020, Afni furnished the credit reporting agencies with notice of the
account.
On January 6, 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
Comcast. Afni encourages the consumer to
visit Comcast'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 Comcast'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 Consumer Relations
Specialist at ***** *********
Initial Complaint
Date:01/05/2023
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.
On Oct 2022 I was been billed by AFNI.

I haven't done any business with ***.
We have ***** *** phones.
We don't have cable or dish. We watch TV and movies on the internet.
Our household has had ******** (formerly ******* ****) for over 10 years.
In October 2022 I did switch to ********, but we IMMEDIATELY switched back to ********-- with the same account.
I no longer deal with phone and internet.
*** is not available in the ***** area.

I clicked the link in Experian to say, I never dealt with ***. The AFNI has the nerve to send paperwork for me to fill out for them. I refuse to send them any info, and I tossed the paperwork.

Tonight I check Experian, only to see another bill for Dec 2022. Once again--- I HAVE NOT created an account with *** in Oct or Dec!

This is crazy. I trying to pay the debts I actually acquired, not someone else's. I will not pay the 2 bills from AFNI.
Business Response
Date: 01/06/2023
This is in response to your CFPB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. This
response covers two accounts; they will be address individually.
On October 18, 2022, **** forwarded the subject account, **** ******** account #: ************, Afni, Inc. account #: ************* with Afni for collections on the balance of $253.60. The account is for services established on December
22, 2020, until **** considered the account delinquent on January 20, 2021. The billing phone number is ***** ********. Afni mailed the initial notice of the account
on or about October 22, 2022. On December
4, 2022, Afni furnished the credit reporting agencies with notice of the
account.
On October 17, 2022, **** forwarded the subject account,
**** Mobility account #: ************* Afni, Inc. account #: ************,
with Afni for collections on the balance of $393.41. The account is for services established on
November 27, 2020, until **** considered the account delinquent on January
19, 2021. The billing phone number is ***** ********* Afni mailed the initial
notice of the account on or about October 23, 2022. On December 4, 2022, Afni furnished the
credit reporting agencies with notice of the account.
On January 6, 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
accounts were 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 **** ******** ***** of Identity Center, P.O. *** **** ******** ** **********. 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 **** Mobility account #: ************* Afni,
Inc. account #: ************ and **** Mobility account #: ************* Afni, Inc. 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 the consumer would like to
discuss the account, they may contact a Consumer Relations Specialist at ***** *********
Customer Answer
Date: 01/06/2023
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.
I have contacted *** and will do an inquiry form and fraud report with them.
Initial Complaint
Date:01/05/2023
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.
01/05/2023

I have been dealing with Afni the last several weeks. Today is the first time they told me I was dealing with the subrogation department and not the collections department. They led me in for almost 2 months with holding this information the entire time. In that 2 month time period, I’ve been harassed about how this debt needs to be put “on the front burner” (as if I don’t have other bills to pay), I’ve been told my driver’s license will be taken from me, and they argue with me every time I try to get info about them (I got yelled at for asking the company for their license number because the agent on the phone didn’t know it). I don’t think I’ve ever interacted with a company so rude and condescending or who has withheld more information than Afni. The conduct shown by Afni is unacceptable for any business, regardless of the industry they work in.
Business Response
Date: 01/10/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the claimant’s concerns.   On February
8, 2022, *********** forwarded the subject account, *********** ******* ** ********** Afni, Inc. account #: ********* **** with Afni for resolution on the balance of
$9,301.50.
The claim is from an accident which occurred on April 17,
2021, involving a vehicle that was listed as driven by the claimant, ******* ******* a 2015 Hyundai Accent. Afni has not and will not furnish the
subject claim to the credit reporting agencies. On November 9, 2022, the claimant called in and spoke with an Afni
representative. During this call, the claimant stated that they received
letters from Afni and was inquiring about a discounted payment offer letter
that was received.   Additionally, the
Afni representative asked the claimant questions and provided options to assist
in attempting to set up a payment arrangement on the account. An arrangement was agreed to for $50.00
weekly. On November 21, 2022, another Afni representative followed up with the
claimant, as their payment came back as not sufficient funds. On December 2, 2022, the claimant spoke with
multiple Afni representatives, and it was explained that there were multiple
payments that came back as not sufficient funds. Furthermore, the Afni
representatives attempted to assist the claimant in providing more options to
assist in getting another arrangement set up on the account. On December 7,
2022, spoke to another Afni representative and worked with the claimant to
update the claimant’s payment arrangement. On January 5, 2023, the claimant
spoke with another Afni representative and requested information for a dispute
on this account. The Afni representative
explained to the claimant that this account was a tort not a debt. On January 6, 2023, Afni received a $50.00
payment bringing the balance owed on the account to $9,251.50.
On January 6, 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 *********** is pursuing *** ****** as he was the driver of the
vehicle that struck ************* insured and was found to be responsible for
the accident based on the investigation completed by ***********. *** ******* made a left turn and struck
*********** insured. *********** has
completed their investigation and has found that *** ******* was at fault for
the accident and the driver. As previously noted, *** ******* stated that he
called in from letter received from Afni. On those letter’s it states that is a
Subrogation department. Additionally, during the calls with the Afni
representatives *** ******* was made aware that Afni was a Subrogation
department. Furthermore, at no time has
Afni harassed the claimant but attempted to work with the claimant to provide
options and arrangements that would fit into the *** ********* budget and
notified *** ******* that there were payment’s that came back as not sufficient
funds. At no time were the Afni
represent rude to *** ******* or yelled at him for asking for a license number.
The letters Afni sent *** ******* stated
that the “Department of Transportation, or appropriate entity, may have been
notified of this accident. The notification may result in the suspension of
your driving or registration privileges” therefore Afni never stated that the
claimants license would be taken. *** ******* also confirmed during those calls
that his insurance company denied the claim. Again, this is a tort, or wrongful act. There were no services provided to *** *******. Afni trusts that this
response has addressed all of the claimant’s concerns, but if questions remain,
or if *** ****** would like to discuss the *********** account further, he may
contact an Uninsured Motorist representative at ***** *********
Business Response
Date: 01/11/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the claimant’s concerns.   On February
8, 2022, *********** forwarded the subject account, *********** account #: ********** Afni, Inc. account #: ********* **** with Afni for resolution on the balance of
$9,301.50.
The claim is from an accident which occurred on April 17,
2021, involving a vehicle that was listed as driven by the claimant, ******* ******* a 2015 Hyundai Accent. Afni has not and will not furnish the
subject claim to the credit reporting agencies. On November 9, 2022, the claimant called in and spoke with an Afni
representative. During this call, the claimant stated that they received
letters from Afni and was inquiring about a discounted payment offer letter
that was received.   Additionally, the
Afni representative asked the claimant questions and provided options to assist
in attempting to set up a payment arrangement on the account. An arrangement was agreed to for $50.00
weekly. On November 21, 2022, another Afni representative followed up with the
claimant, as their payment came back as not sufficient funds. On December 2, 2022, the claimant spoke with
multiple Afni representatives, and it was explained that there were multiple
payments that came back as not sufficient funds. Furthermore, the Afni
representatives attempted to assist the claimant in providing more options to
assist in getting another arrangement set up on the account. On December 7,
2022, spoke to another Afni representative and worked with the claimant to
update the claimant’s payment arrangement. On January 5, 2023, the claimant
spoke with another Afni representative and requested information for a dispute
on this account. The Afni representative
explained to the claimant that this account was a tort not a debt. On January 6, 2023, Afni received a $50.00
payment bringing the balance owed on the account to $9,251.50.
On January 6, 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 *********** is pursuing *** ****** as he was the driver of the
vehicle that struck ***********’s insured and was found to be responsible for
the accident based on the investigation completed by ***********. *** ******* made a left turn and struck
*********** insured. *********** has
completed their investigation and has found that *** ******* was at fault for
the accident and the driver. Afni reviewed the calls in question and at no time
has any Afni representative treated the claimant unprofessionally. The Afni
representatives stressed urgency in attempting to assist the claimant get a
resolution to the account with respect to their situation. In regard to the
consumer’s concerns regarding false allegations about Afni on the
internet, be assured that Afni takes every claimant complaint and dispute
seriously. Afni investigates each
account thoroughly and, if applicable, offers the claimant validation of the
account in a timely manner. Afni is
aware that some websites portray Afni’s reputation in a negative way;
however, Afni does not respond to claimant inquiries made in public forums in
order to protect the privacy of claimants. As the claimant has requested,
Afni will no longer contact the claimant about this account. Again, this is a tort, or wrongful act. There were no services provided to *** *******. Afni trusts that this response has addressed all of the claimant’s
concerns, but if questions remain, or if *** ****** would like to discuss the ***********
account further, he may contact an Uninsured Motorist representative at ***** *********
Customer Answer
Date: 01/12/2023
I am rejecting this response because:

I’m making the $50 payments per week, but this is about conduct more than money at this point. Subrogation wasn’t even explained to me until my 4th or 5th time calling in. I feel that that should be better addressed because even the letter reads like a collections letter. When your employees don’t explain the way things really are upfront and with some level of transparency, it’s easy to have consumers confused about what is actually happening. This is a case of that exact thing happening.
Initial Complaint
Date:01/05/2023
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 is reporting that I owe ****** bill, of $933. I closed the account with 0 balance. I want this ghost agency that I had to look up online to delete this mark in my credit report. Validation of this debt bill with my name ***** ******* address social and signature. Per Federal Fair Credit report act the agency needs to show rights that I owe to this party license to collect in the state of Florida and proof I owe this to this agency before sending this to my credit report.
Business Response
Date: 01/06/2023
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 $933.53.
The account is for services established on May 8, 2018,
until ****** considered the account delinquent on December 15, 2021. The billing address associated with the
account is **** ********* ****** ******* ******** ** *****. Afni mailed the initial notice of the account
on or about November 19, 2022. On January
1, 2023, Afni furnished the credit reporting agencies with notice of the
account.
On January 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 concern’s, a signed contract is not always required to initiate ******
services, as orders for services can be taken over the phone or via the
internet, which are considered verbal and electronic signatures, respectively.
Furthermore, Afni does not furnish, nor is Afni required to furnish, our
agreement with ****** granting us the authority to collect on a debt. Afni is
indeed licensed to collect on a debt in the state of Florida; our license
number is **********. Per the attached
billing statements, the consumer had a past due balance. 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 ***** *********
Customer Answer
Date: 01/06/2023
I am rejecting this response because:
The name is incorrect the address is incorrect my name is no *****. This don't demonstrate I owe the bill to them. This is a third party trying to cash on a bill from ******. I the account is not deleted a formal complaint to Consumer Reporting will be issued. This agency did not validate the account or show rights to claim this,

Business Response
Date: 01/09/2023
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 $933.53.
The account is for services established on May 8, 2018,
until ****** considered the account delinquent on December 15, 2021. The billing address associated with the
account is **** ********* ****** ******* ******** ** ****** Afni mailed the initial notice of the account
on or about November 19, 2022. On January
1, 2023, Afni furnished the credit reporting agencies with notice of the
account.
On January 9, 2023, Afni received this complaint. In response, Afni ceased communication and
initiated an investigation. 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 ******. 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
******** 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 ***** ********. On January 8, 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: 01/12/2023
I am rejecting this response because:
I am going to continue my complaint to the Consumers Affair and I will report the violations this third party agency is doing. No validation of the debt and proving this is their debt original as stated in the Credit fair act. Delete the mark I am claiming to delete this from my credit report

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.

Cookies on BBB.org

Complaints

Customer Complaints Summary

If you've experienced an issue

Filter and sort by

Sort by

Complaint status

Complaint type

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Afni, Inc. is NOT a BBB Accredited Business.