Complaints

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

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• 

  Afni, Inc.

  1310 Martin Luther King Dr Bloomington, IL 61701-1465

• 

  Afni, Inc.

  404 Brock Dr Bloomington, IL 61701-2654

• 

  Afni, Inc.

  404 Brock Drive P.O. Box 3097 Bloomington, IL 61702

• 

  Afni, Inc.

  P.O. Box 3427 Bllomington, IL 61702

• 

  Afni, Inc.

  P.O. Box 3517 Bloomington, IL 61702-3517

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

• Initial Complaint

  Date: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.

  15 U.S.C 1681 SECTION 602 A. STATES I HAFE THE RIGHT TO PRIVACY.
  
  15 U.S.C 1681 SECTION 604 A SECTION 2: IT ALSO STATEST A COMSUMER REPORTING AGENCY CANNOT FURINISH An ACCOUNT WITHOUT MY WRITTEN INSTRCTIONS.
  
  15 U.S.C 1692 C WITHOUT THE PRIOR CONSENT OF THE CONSUMER GIVEN DIRECTLY TO THE DEBT COLLECTOR OR EXPRESS PERMISSION OF A COURT OF COMPENTENT JURISDICATION A DEBT COLLECTOR MAY NOT COMMUNICATED WITH A CONSUMER IN CONNECTION WITH THE COLLECTION OF ANY DEBT.

  Business Response

  Date: 01/05/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On September
  12, 2022, Comcast forwarded the subject account, ******* ******* ** ***************** Afni, Inc. account #:  ************* with Afni for collections on
  the balance of $587.39. 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 December 1, 2021,
  until Comcast considered the account delinquent on April 12, 2022.  The service address associated with the
  account is **** ******** ****** *********** ** *****.  Afni mailed the initial notice of the account
  on or about September 17, 2022.  On November
  13, 2022, Afni furnished the credit reporting agencies with notice of the
  account.
  On January 5, 2023, Afni received this complaint.  In response, Afni ceased communication and
  initiated an investigation.   Afni has attached copies of the account
  billing statements to this response; these are provided as validation of the
  account.  To address the consumer’s
  concern, Afni has complied with its obligations under the FCRA and FDCPA. 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:01/05/2023

  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.

  1.I have never had an account with this company AFNI, REMOVE from all credit agencies from reporting.
  2.“consumer” means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code §1692a (3)
  3.This letter is in pursuing 15 U.S. Code §1692c (c) Ceasing communication
  4.I am the “consumer” mentioned in 15 U.S. code §1692a (3) You are AFNI the debt collector 15 U.S. Code1692a (5) I am invoking specified remedies under use 15 U.S. code §1692c (c) (2) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code §1692c (c) (1)
  5.I am the executor under the 15 U.S. Code §1692c (d) pursing to 15 U.S. Code §1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: (1) (2) and (4)
  6.According to 15 U.S. Code §1962e (8) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
  7.15 U.S. Code §1692e (12) The false representation or implication that accounts have been turned over to innocent purchasers for value.
  8.As mentioned in the 15 U.S. Code §692f Unfair practices (8)
  9.While pursuing to §1692g (b) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
  10.15 U.S. Code §1692k Civil Liability (a) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of— (1) (2) (A) (B) (3)

  Business Response

  Date: 01/05/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On August 1,
  2022, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  ************, with Afni for collections on
  the balance of $796.27.
  The account is for services established on October 9, 2019,
  until ****** considered the account delinquent on January 2, 2020.  Afni mailed the initial notice of the account
  on or about August 6, 2022.  On September
  18, 2022, Afni furnished the credit reporting agencies with notice of the
  account.
  On January 5, 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 complied with its obligations under the FDCPA.  The account was updated as potential identity
  theft as the consumer denied knowledge of any service with ******. Afni will
  forward the consumer’s identity theft report to ******.  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:01/01/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a collections request form this company for $1809.35 for an alleged account I had with ****. I have no account with **** as they agreed with when I spoke to them today. This company filed a collections claim on my credit report. this is fraud. ***** says I am not the only person they have done this has happened to.

  Business Response

  Date: 01/04/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On October
  13, 2022, **** forwarded the subject account, **** ******** account
  #:  ************* Afni, Inc. account
  #:  ************, with Afni for
  collections on the balance of $1,809.35.
  The account is for services established on January 14, 2022,
  until **** considered the account delinquent on February 1, 2022.  The billing phone number is ***** ********.  Afni mailed the initial notice of the account
  on or about October 18, 2022.  On
  November 27, 2022, Afni furnished the credit reporting agencies with notice of
  the account. On January 2, 2023, Afni received a dispute from the credit
  reporting agencies with the consumer’s claims of identity theft.  On January 3, 2023, the consumer spoke to
  multiple Afni representatives and was advised the account was updated as
  identity theft and fraud packet was in the process of being sent.  On January 4, 2023, Afni mailed the consumer
  a fraud packet which details how to have the account investigated as identity
  theft.
  On January 4, 2023, Afni received this complaint.  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 ****.  The
  account was updated as potential identity theft as the consumer denied
  knowledge of any service with ****.  A fraud packet is attached for the consumer’s completion, or the
  consumer may go to ***********************************.  Afni encourages the consumer to return the
  Fraud Affidavit within 21 days to **** for investigation.  The completed affidavit can be mailed to **** at **** ******** ***** ** ******** ******* **** *** **** ******** ** **********.  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:12/30/2022

  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.

  A couple of weeks ago I received a phone call from AFNI INC and the agent for this company told me on the phone that the company is collecting a debt of $1700.00 for ***. I told the agent that I don't owe *** any money and the account associated with this bill is a fraud. So the agent told me to report this to the *** fraud department and ended the call. The next day I called *** customer service and the agent I spoke to told me that he did not see any past bills owed in my name. So I saw no reason to go further. Yesterday I received a notice in the mail from AFNE Inc stating that I owed $1700.26 So last night I made an online fraud report on the *** website and spoke to phone agent. I can't remember ever using *** service but if I did it was at least 30 years ago and I never left owing them money. I received a fraud bill from *** about 5 years ago and it was a case of stolen identity. And the bill was dissolved. I was not held accountable for that bill. It was for approximately 300 dollars. I owe *** no money and this debt is fraudulent. AFNI Inc is trying to collect a fraudulent debt from me. I'm hoping the Better Business bureau can resolve this for me.

  Business Response

  Date: 12/30/2022

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On December
  11, 2022, **** forwarded the subject account, **** ******** account
  #:  ************, Afni, Inc. account
  #:  ************, with Afni for
  collections on the balance of $1,700.26.
  The account is for services established on March 8, 2022,
  until **** considered the account delinquent.  The billing phone number is ***** ********.  Afni mailed the initial notice of the account
  on or about December 13, 2022.  Afni has
  not and will not furnish the subject account to the credit reporting agencies.  On December 22, 2022, the consumer spoke with
  an Afni representative and stated that this account was the result of identity
  theft.  On December 23, 2022, Afni mailed
  the consumer a fraud packet, which details how to have the account investigated
  as identity theft.  On December 30, 2022,
  the consumer spoke with another Afni representative, who provided the consumer
  with details of the fraud process.
  On December 30, 2022, Afni received this complaint.  In response, Afni ceased communication and
  initiated an investigation. To address the consumer’s concern, the account was
  updated as potential identity theft as the consumer denied knowledge of any
  service with ****.  A fraud packet is
  attached for the consumer’s completion, or the consumer may go to
  ************************************  Afni encourages the consumer to return the Fraud Affidavit within 21 days
  to **** for investigation.  The
  completed affidavit can be mailed to **** at **** ******** ***** ** ******** ******* **** *** **** ******** ** ***********  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.  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: 12/30/2022

   I am rejecting this response because:
  This response is not acceptable from AFNI Inc,. The phone number associated with this account is a Florida phone number and at the time of this phone account being active I was, and am living in Ohio. This is a fraudulent bill. This company has provided a non-acceptablable response. This is fraud. I never opened or authorized this account. 
  

• Initial Complaint

  Date:12/29/2022

  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 no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

  Business Response

  Date: 12/30/2022

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On October
  28, 2022, **** forwarded the subject account, **** ******** ******* ** ************* Afni, Inc. account
  #:  ************* with Afni for
  collections on the balance of $535.78.
  The account is for services established on January 4, 2022,
  until **** considered the account delinquent on January 29, 2022.  The billing phone numbers are (**** ********,
  (**** ********, (**** ********* and (**** *********  Afni mailed the initial notice of the account
  on or about November 2, 2022.  On December
  11, 2022, Afni furnished the credit reporting agencies with notice of the
  account.  On December 27, 2022, Afni
  received a written dispute from the consumer. In response, Afni ceased
  communication and initiated an investigation.   
  On December 30, 2022, Afni received this complaint.  In response, Afni continued to cease
  communication and investigate.  To address
  the consumer’s concerns, Afni is not in receipt of any dispute from the credit
  reporting agencies.  Additionally, Afni
  received the consumers written letter of dispute on December 27, 2022, then
  received this complaint without the chance to respond. The account was updated
  as potential identity theft as the consumer denied knowledge of any service
  with ****.  A fraud packet is
  attached for the consumer’s completion, or the consumer may go to
  ***********************************.  Afni encourages the consumer to return the Fraud Affidavit within 21
  days to **** for investigation.  The
  completed affidavit can be mailed to **** at **** ******** ***** ** ******** ******* **** *** **** ******** ** *********** Additionally, **** does not require a
  police report.  Placing a fraud alert
  with the credit reporting agencies is a suggestion and not required to
  investigate a fraud claim.  The consumer
  may also contact ****'s Fraud Department at (**** ******** if they have any
  questions regarding the fraud process.  As
  the consumer 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:12/28/2022

  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 was sent a collection letter due to my former internet provider falsely sending information that I didn't return equipment. I called my internet provider (rhymes with infinity) to confirm everything was resolved, and they confirmed it was, but Afni has sense continued to send me letters stating that I owe over $500. This is fraudulent and clearly trying to intimidate me to pay money that I am wrongly accused of owing. It's frankly criminal.

  Business Response

  Date: 12/29/2022

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On November
  11, 2022, ******* forwarded the subject account, ******* account #:  ***************** Afni, Inc. account #:  ************, with Afni for collections on
  the balance of $575.77.
  The account is for services established on March 21, 2022,
  until ******* considered the account delinquent on April 10, 2022.  The service address associated with the
  account is **** ********** ******* ********* ***** ************ ** *****.  Afni mailed the initial notice of the account
  on or about November 16, 2022.  Afni has
  not and will not furnish the subject account to the credit reporting agencies.  On November 23, 2022, Afni received the
  consumer’s written email letter of dispute. In response, Afni ceased
  communication and initiated an investigation.   As part of the investigation Afni
  reached out to confirm the charges.  On
  December 3, 2022, Afni mailed the consumer verification of the debt. 
  On December 29, 2022, 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, Afni does not handle collections for equipment
  charges for ******* accounts.  As
  previously noted, Afni reached out to ******* to confirm charges on the
  account.  ******* confirmed the charges
  as being owed, as the consumer is being charged for services and an early
  termination fee. Furthermore, ******* credited the equipment charges per the
  attached billing statements on October 19, 2022. Again, Afni has not and will
  not furnish the subject account to the credit reporting agencies. However, this
  does not mean that the account is not due and owing, simply that Afni will not
  furnish the account to the credit reporting agencies.  Afni trusts this response has addressed the
  consumer’s concerns, but if questions remain, or if they would like to discuss
  the account, they may contact a Consumer Relations Specialist at ***** *********

  Customer Answer

  Date: 12/29/2022

   I am rejecting this response because:
  
  
  This is not my account and not my address. I have never lived in Maryland and the former Comcast account I had was registered in California (where I live). I live across the country - please remove this from my name and stop sending me collections notices as this is not my account.

  Business Response

  Date: 12/30/2022

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On November
  11, 2022, Comcast forwarded the subject account, ******* account #:  ****************, Afni, Inc. account #:  ************, with Afni for collections on
  the balance of $575.77.
  The account is for services established on March 21, 2022,
  until Comcast considered the account delinquent on April 10, 2022.  The service address associated with the
  account is **** ********** ******* ********* ***** ************ ** *****.  Afni mailed the initial notice of the account
  on or about November 16, 2022.  Afni has
  not and will not furnish the subject account to the credit reporting agencies.  On November 23, 2022, Afni received the
  consumer’s written email letter of dispute. In response, Afni ceased
  communication and initiated an investigation.   As part of the investigation Afni
  reached out to confirm the charges.  On
  December 3, 2022, Afni mailed the consumer verification of the debt. 
  On December 30, 2022, Afni received this complaint.  In response, Afni ceased communication and
  initiated an investigation. To address the consumer’s concern, the account was
  updated as potential identity theft as [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.  As the
  consumer has requested, Afni will no longer contact the consumer about this
  account. Again, Afni has not and will not furnish the subject account to the
  credit reporting agencies. However, this does not mean that the account is not
  due and owing, simply that Afni will not furnish the account to the credit
  reporting agencies.  Afni trusts this
  response has addressed the consumer’s concerns, but if questions remain, or if they
  would like to discuss the account, they may contact a Consumer Relations
  Specialist at ***** *********

• Initial Complaint

  Date:12/28/2022

  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.

  You have DEFRAUDED me. It has come to my attention that you received payment on a debt that was canceled; however, you are still proceeding to collect from me. The notice to the agent is a notice to the principle, and notice to the principle is a notice to the agent. I demand that the following account be removed immediately:
  
  AFNI, INC.
  108485*********
  
  Per 15 U.S. Code § 1605, the finance charge is insurance that protects the lender in the event that the obligor defaults. The payment status of this account is in default, which means you received INSURANCE money! This account was then illegally listed on my consumer report as canceled debt.
  
  According to the IRS, when a creditor cancels a debt, a 1099c form must be sent to the obligor or consumer. I never received my 1099c for this canceled debt. Therefore, you are forcing me into paying the balance, which is FRAUD. Since insurance money was collected, the IRS identifies canceled debt as income. Income does not get reported on the consumer report and TAX FRAUD has been committed!

  Business Response

  Date: 12/30/2022

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On October
  5, 2022, **** forwarded the subject account, ******* ******* ** ********, Afni, Inc. account #:  ************, with Afni for collections on
  the balance of $179.36.
  The account is for services established on August 22, 2014,
  until **** considered the account delinquent on July 9, 2021.  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 October 10, 2022.  On November 27, 2022, Afni furnished the
  credit reporting agencies with notice of the account.
  On December 29, 2022, 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 ledger to this response; these are provided as validation of
  the account. To address the consumer’s concern, the subject account has not
  been purchased by Afni.  Afni received
  the account from **** and acts as an agent on behalf of ****.  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:12/23/2022

  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 the debt that Afni, Inc. has illegally furnished on my credit report nor have I ever signed a contract with the account that they have furnished and claims that I am responsible for. I have requested that they provide me with the original contract to prove their claims, and they have not done so.

  Business Response

  Date: 12/27/2022

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On October
  12, 2022, ****** forwarded the subject account, ****** account #: *********, Afni, Inc. account #:  ************, with Afni for collections on
  the balance of $1,427.66.
  The account is for services established on September 10,
  2016, until ****** considered the account delinquent on May 28, 2020.  Afni mailed the initial notice of the account
  on or about October 17, 2022.  On November
  27, 2022, Afni furnished the credit reporting agencies with notice of the
  account.  On December 22, 2022, Afni
  received the consumer’s written letter of dispute, with claims of identity
  theft. 
  On December 23, 2022, 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. As previously noted,
  Afni received the consumer’s written letter of dispute on December 22, 2022 and
  did not have a chance to respond before this complaint was received.  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 December 25, 2022, Afni sent a request to
  the credit reporting agencies to remove the account from the consumer’s credit
  report.  Please be aware that it can take
  the credit reporting agencies anywhere from 0 to 60 days to update consumer
  credit reports.  Afni has no control over
  how quickly the credit reporting agencies update consumer credit reports.  Afni trusts this response has addressed the
  consumer’s concerns, but if questions remain, or if they would like to discuss
  the account, they may contact a Consumer Relations Specialist at ***** *********

  Customer Answer

  Date: 12/27/2022

   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 the inaccurate information will be removed from my reports, I wish to take no further action at this time.

• Initial Complaint

  Date:12/22/2022

  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.

  This appeared on my credit report on December 11. I don't have ****** and that is absolute fraud, this people trying to get money from me for something that I never had. An absolute scam. never received any letters from that company or nothing, on a report it say ***** and I don't even use that carrier!!

  Business Response

  Date: 12/27/2022

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On April 15,
  2020, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  076982761-01, with Afni for collections on
  the balance of $421.35.
  The account is for services until ****** considered the
  account delinquent on August 19, 2017.  On June 21, 2020, Afni furnished the credit reporting agencies with
  notice of the account.
  On December 23, 2022, 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 is a legitimate business and has
  been in business since 1936. 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 ***** *********  On December 25, 2022,
  Afni sent a request to the credit reporting agencies to remove the account from
  the consumer’s credit report.  Please be
  aware that it can take the credit reporting agencies anywhere from 0 to 60 days
  to update consumer credit reports.  Afni
  has no control over how quickly the credit reporting agencies update consumer
  credit reports.  Afni trusts this
  response has addressed the consumer’s concerns, but if questions remain, or if they
  would like to discuss the account, they may contact a Consumer Relations
  Specialist at ***** *********

• Initial Complaint

  Date:12/20/2022

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

  Business Response

  Date: 12/21/2022

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On September
  16, 2022, ******* forwarded the subject account, ******* account #:  ***************** Afni, Inc. account #:  ************, with Afni for collections on
  the balance of $182.04. 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 February 4, 2021,
  until ******* considered the account delinquent on February 23, 2022.  The service address associated with the
  account is **** **** ********* ******* ************* ** *****.  Afni mailed the initial notice of the account
  on or about September 21, 2022.  On November
  20, 2022, Afni furnished the credit reporting agencies with notice of the
  account.
  On December 21, 2022, 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, Afni is not in receipt of a ****** account for the consumer.  Additionally, Afni has no business
  affiliation with ********** and cannot comment on their business practices.  Furthermore, the subject account has not been
  purchased by Afni.  Afni received the
  account from ******* and acts as an agent on behalf of *******; therefore, the
  consumer would not have a contract with Afni.  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: 12/21/2022

   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.