Business Profile

Collections Agencies

Afni, Inc.

This business is NOT BBB Accredited.

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Complaints

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

Customer Complaints Summary

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

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Submit a Complaint

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

Initial Complaint
Date:12/20/2022
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 am not liable for this debt with ****** and do not have a contract with Afni, Inc. They do not provide me with the original application like I asked.
Business Response
Date: 12/20/2022
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On June 2,
2022, ****** forwarded the subject account, ****** account #: *********, Afni, Inc. account #: ************, with Afni for collections on
the balance of $2,364.17.
The account is for services established on August 7, 2019,
until ****** considered the account delinquent on August 30, 2019. The billing address associated with the
account is **** ********* *** ******* ********* ** ****** ** ****** Afni mailed the initial notice of the account
on or about June 7, 2022. On July 24,
2022, Afni furnished the credit reporting agencies with notice of the account.
On December 20, 2022, Afni received a dispute from the credit reporting
agencies, reviewed all relevant information, and responded appropriately.
On December 20, 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, when a consumer submits a dispute through the credit
reporting agencies, Afni responds directly to the credit reporting agencies. Additionally, the subject account has not
been purchased by Afni. Afni received
the account from ****** and acts as an agent on behalf of ******; therefore,
the consumer would not have a contract with Afni. Furthermore, a signed
contract is not always required to initiate ****** services, as orders for
services can be taken over the phone or via the internet, which are considered
verbal and electronic signatures, respectively. Afni will send a request to the credit reporting agencies to remove the
account from the consumer’s credit report. Please be aware that it can take the credit reporting agencies anywhere
from 0 to 60 days to update consumer credit reports. Afni has no control over how quickly the
credit reporting agencies update consumer credit reports. However, this does not mean that the account
is not due and owing, simply that Afni will no longer furnish the account to
the credit reporting agencies. Afni
trusts this response has addressed the consumer’s concerns, but if questions
remain, or if they would like to discuss the account, they may contact a Consumer
Relations Specialist at ***** *********
Initial Complaint
Date:12/15/2022
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.
AFNE Debt Collectors have been calling me non stop for over 3 weeks. Sometimes 3 times a day sometimes 6 times a day. Never leaving a message and when I answer, which I don't usually do, they ask for someone that isn't at this telephone number. 100 % of the time I have never heard of the person they are calling about. PLEASE make these calls stop. The person they are trying to get doesn't live at my house nor do I have any idea who they are. I prefer if my name is not given to them. Because I know they will put it in their records and then sell those records to the next debt buyer. I have a private unlisted number, which I have had for over 10 years. These calls started last year with other debt collectors, when I told them that the person they are looking is not at this location nor do I know who they are. AFNE debt collectors just keep on calling. Now, a little about me. I'm 70 yrs old, disabled veteran. I froze my credit in 2005, after my divorce. I have no credit cards, no loans and pay cash for everything. I have never been late on utilities (dating back to 1970s) and don't owe a dime to anyone since 2005. AFNE is not looking for me, if they were, the status of limitation on bad debt has long expired. I have not received any letters about any debt in over 16 yrs. Thank you
Business Response
Date: 12/16/2022
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the *** ******** concerns. While
attempting to contact another individual, Afni was provided ***** ******** phone number in error. This complaint was the first notification Afni has
received from *** ****** regarding a wrong number. Upon notification the number
was incorrect, Afni has searched its system for any account containing the
phone number in question. As an extra
precaution, Afni has also added the number to its internal do not call list,
which should prevent further calls being placed to it. Afni appreciates *** ****** bringing this
matter to our attention for correction and trusts this response has resolved *** ****** concerns. If *** ****** has
additional questions or concerns, *** ****** may contact a Consumer Relations
Specialist at ***** *********
Customer Answer
Date: 12/16/2022
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. They make it apparent that I have a second number to call them to tell them they have a wrong number. They don't leave any message and a call back number. When I told them, I believe it was them on the first call that they had the wrong number the calls kept coming. This company needs to review their calling and believe the people then they say it's the wrong number. Thank you for straightening this out. Merry Christmas ****
Initial Complaint
Date:12/14/2022
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.
AFNI is attempting to collect a debt in the amount of $2708 for an account with **** that does not belong to me. They have put this account on my credit report. There has not been any additional information provided from the company to how that the is in fact my account. I've also contacted CFPB. Request that they cease any contact and remove this false debt from my credit report.

I have no more information that what is provided above.
Business Response
Date: 12/19/2022
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On October
25, 2022, **** forwarded the subject account, **** ******* ******* *: *********, Afni, Inc. account #: ************, with Afni for collections on
the balance of $2,708.68.
The account is for services established on September 1, 2015,
until **** considered the account delinquent on June 26, 2018. The service address associated with the
account is **** ****** ******* ********* ** *****, with final billing going to
**** ********* *********** ******* ************ ** ****** Afni mailed the initial notice of the account
on or about October 30, 2022. On December
11, 2022, Afni furnished the credit reporting agencies with notice of the
account.
On December 15, 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, this complaint is the first notification Afni 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. As the consumer has requested, Afni will no
longer contact the consumer about this account. On December 18, 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. 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: 12/20/2022
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. Additionally, after reviewing the statement provided by AFNI, their claim is that this is for service established in 2015, yet the statement showed service established in 2017 and I did not live at the provided address during the stated time to be able to establish service. Again this debt does not belong to me and appreciate that the AFNI removes this account from all of my credit reports.
Initial Complaint
Date:12/14/2022
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.
The company in question states that it's trying to collect a debt on behalf of *********** ********* for an incident in which my insurance [********] at the time found me not to be at fault. However, they continue to harass me personally for what should have been resolved between the respective insurance companies.
Business Response
Date: 12/16/2022
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the claimant’s concerns. On August
9, 2022, *********** forwarded the subject account, *********** account #: **********
Afni, Inc. account #: ********* ***, with Afni for resolution on the balance of
$1,421.18.
The claim is from an accident which occurred on May 22, 2022,
involving a vehicle that was listed as driven by the claimant, ****** *********;
a 2014 Chevrolet Impala with license plate: *******. The address provided by *********** for *** ********* ** *** **** ***** ******* ******** ** *****. Afni mailed the initial notice of the claim
on or about August 9, 2022. Afni has not
and will not furnish the subject claim to the credit reporting agencies. On December 13, 2022, the claimant spoke with
multiple Afni representatives. The Afni representatives explained that Afni
reached out to ******** to confirm coverage on the date of loss and no coverage
was able to be confirmed with information that was provided. Additionally, *** ********* was told to reach
out to ******** to confirm if coverage was had on the date of loss and could
call back in with ******** on the phone.
On December 15, 2022, 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 ***********. Afni has confirmed that on the date of loss
there was not valid insurance to cover the damages that *********** had to pay
out to make their insured whole again. As previously noted, Afni attempted to
reach out to the claimant’s insurance company to confirm coverage for the date
of loss and was unable to confirm coverage for the date of loss. At no time,
has Afni attempted to harass the claimant but merely notify the claimant that
Afni was unable to confirm coverage of insurance. The claimant is more than welcome to contact Afni
with more information regarding their insurance coverage during the date of
loss. 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:12/14/2022
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 received a notice that I have a collection from AFNI, INC. on my credit report. It says it was opened onOct 14, 2022 for $3,356 with account number starting in ********* which I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA and FDCPA.

I would like for this collection to be removed asap or I will file a CFPB and FTC report.
Business Response
Date: 12/15/2022
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On October
14, 2022, **** forwarded the subject account, **** ******** ******* ** ************* Afni, Inc. account
#: ************* with Afni for
collections on the balance of $3,356.68.
The account is for services established on January 15, 2022,
until **** considered the account delinquent on February 8, 2022. The phone numbers are ***** ********, ***** *********, ***** ********,* *** ***** ********* 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 December 14, 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 concerns, the subject account has not been
purchased by Afni. Afni received the account
from **** and acts as an agent on behalf of ****; therefore, the
consumer would not have a contract with Afni. Afni has complied with its
obligations under the FCRA and FDCPA. The account was updated as potential
identity theft as the consumer denied knowledge of any service with
****. 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:12/09/2022
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 checked my credit score and I see a collection from Anfi collection, I have never received any letters from this company and this is not my debt, I request they remove this immediately! This is ridiculous!! Please help!!
Business Response
Date: 12/12/2022
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On November
10, 2020, ****** forwarded the subject account, ****** account #: *********, Afni, Inc. account #: ************, with Afni for collections on
the balance of $1,736.92.
The account is for services until ****** considered the
account delinquent on August 24, 2018. Afni mailed the initial notice of the account on or about November 13,
2020. On December 27, 2020, Afni
furnished the credit reporting agencies with notice of the account.
On December 12, 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 mailed the initial on or about
November 13, 2020, with no notice of returned mail. The account was updated as
potential identity theft as the consumer denied knowledge of any service with
******. Afni encourages the consumer to
visit ******'s fraud website at ********************, which discusses the
process and documentation needed for the fraud investigation. Placing a fraud
alert with the credit reporting agencies is a suggestion and not required to
investigate a fraud claim. The consumer
may also contact ****** directly if they have any questions regarding the fraud
process at ***** ********. Afni will
send a request to the credit reporting agencies to remove the account from the
consumer’s credit report. Please be
aware that it can take the credit reporting agencies anywhere from 0 to 60 days
to update consumer credit reports. Afni
has no control over how quickly the credit reporting agencies update consumer
credit reports. Afni trusts this
response has addressed the consumer’s concerns, but if questions remain, or if they
would like to discuss the account, they may contact a Consumer Relations
Specialist at ***** *********
Customer Answer
Date: 12/12/2022
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.
Initial Complaint
Date:12/07/2022
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 received a bill for $8,675.04 from an accident on 5/25/22. After the accident I lost my job and it took months to find a temporary job lasting longer than a week here and there. After finding a temporary job that was supposed to last a couple months, I called to make a payment arrangement then I got sick and didn't get paid causing me to miss one payment. I then received documents to sign and have notorized increasing the amount due by over $8,000+ which I cannot afford. This is not fair. Everyone doesn't have the Iuxury of getting paid when you don't work due to illness. I just got a full time job and there are already issues with paperwork which more than likely will impact when I get paid. I was basically threatened that if I can't make the payments they will increase the amount to over $20,000 but no one seems to care that I am making a good faith plan to start resuming payments. I am trying to get re-enrolled in college.
Business Response
Date: 12/15/2022
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the claimant’s concerns. On August
8, 2022, *********** forwarded the subject account, *********** ******* ** *********,
Afni, Inc. account #: 002775915-04, with Afni for resolution on the balance of
$8,675.04.
The claim is from an accident which occurred on May 25, 2022,
involving a vehicle that was listed as driven by the claimant, ******* ***** **** **** *** ******************* with license plate: ******. The address provided by Progressive for *** **** ** **** ******** *** *****. Afni
mailed the initial notice of the claim on or about August 8, 2022. Afni has not and will not furnish the subject
claim to the credit reporting agencies. On
November 4, 2022, Afni received a balance adjustment of $8,000.00 bringing the
new balance owed to $16,575.04. The balance adjustment was the closing of the
medical billing. On November 11, 2022, the claimant spoke with an Afni
representative and made a payment for $100.00. On December 5, 2022, the claimant spoke with
another Afni representative. During this
call, the Afni representative explained that the claimant defaulted on the
original payment plan and explained that Afni is not obligated to renew that
payment plan. Then the Afni representative attempted to work out another
payment plan to assist the claimant. The Afni representative also explained
that claimants driving privileges could be at risk of being suspended.
On December 8, 2022, 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 *********** and the attached police report. Per the
attached police report, *** **** was travelling west and proceeded across **** ****** ***** and suddenly saw *********** insured. *** **** was unable to avoid the collision.
*** **** was ticketed for failure to yield the right of way. *********** has completed their investigation
and has found that *** **** was
at fault for the accident and is list as the driver on the police report. As previously noted, Afni received a balance adjustment of $8,000.00 on November
4, 2022. Additionally, during the call
from December 5, 2022, the Afni representative explained that Afni does not
have an obligation to renew the defaulted payment plan. Furthermore, the Afni
representative attempted to work with the claimant regarding a payment
plan. At no time was the claimant threatened
regarding if payments are missed and it was explained by the Afni
representative that the claimant could be at risk of driving privileges being
suspended. The claimant can call in and
speak to an Afni representative regarding a payment plan for 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:12/04/2022
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.
To Whom It May Concern:

I am sending this letter in response to information that appears on Equifax, TransUnion, and Experian credit reports which also contain my name and Social Security Number. Please be advised that this is not a refusal to pay, but rather a request for validation.

Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt and that there is some contractual obligation binding on me to pay this debt.

Please provide a copy of the agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Also, please provide a copy of the agreement that bears the signature of the alleged debtor wherein they agreed to pay the creditor.

I am also requesting that no telephone contact be made by your offices to my home, my place of employment, or my cellular telephone. If your office attempts telephone communication with me, including, but not limited to computer generated calls or correspondence with any third parties, it will be considered harassment. All future communications with me MUST be done in writing and sent to the address noted in this letter

Sincerely,
*****
Business Response
Date: 12/05/2022
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On August
18, 2022, ******* forwarded the subject account, ******* ******* ** ***************** Afni, Inc. account #: ************, with Afni for collections on
the balance of $150.27.
The account is for services established on July 15, 2020,
until ******* considered the account delinquent on January 16, 2022. The service address associated with the
account is **** ******* ****** ********* **** ************* ** ****** Afni mailed the initial notice of the account
on or about August 23, 2022. On October
16, 2022, Afni furnished the credit reporting agencies with notice of the
account.
On December 5, 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 concerns, a signed contract is not always required to initiate ******* services, as orders for services can be taken over the phone or via the
internet, which are considered verbal and electronic signatures, respectively. Additionally, the subject account has not been
purchased by Afni. Afni received the
account from ******* and acts as an agent on behalf of *******; therefore, the
consumer would not have a contract with Afni. Furthermore, Afni does not furnish, nor is Afni required to furnish, our
agreement with ******* granting us the authority to collect on a debt. 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. 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:12/03/2022
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.
AFNI,Inc has been harassing me under the pretense of representing **** whom I have no business dealings with. AFNI further harassed me by filing a false statement with experian credit in an attempt to ruin my good credit standing. An AFNI representative further acted in a very unprofessional, threatening and obsene manner.
Business Response
Date: 12/05/2022
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On September
14, 2022, **** forwarded the subject account, **** account #: *************, Afni, Inc. account #: ************, with Afni for collections on
the balance of $356.28.
The account is for services established on January 1, 2014,
until **** considered the account delinquent on October 31, 2020. The billing phone number is ***** ********. Afni mailed the initial notice of the account
on or about September 20, 2022. On November
6, 2022, Afni furnished the credit reporting agencies with notice of the
account. On November 30, 2022, Afni
received the consumer’s written letter of dispute. In response, Afni ceased communication and
initiated an investigation.
On December 5, 2022, Afni received this complaint. In response, Afni continued to cease
communication and investigate. To address the consumer’s concerns, Afni has not
had any verbal communications with the consumer, therefore no Afni
representative acted in an unprofessional manner. Again, the only contact Afni
has had with the consumer is through their written letter of dispute. The account was updated as potential identity
theft as the consumer denied knowledge of any service with ****. A fraud packet is attached for the consumer’s
completion, or the consumer may go to *************************. Afni encourages the consumer to return the
Fraud Affidavit within 21 days to **** for investigation. The completed affidavit to **** at fax
number ***** ******** or mailed to **** *************** ***** ** ******** ******* **** *** **** *********** ** ****** Additionally, **** does not require a police report. Placing a fraud alert with the credit
reporting agencies is a suggestion and not required to investigate a fraud
claim. The consumer may also contact
****** Fraud Department at ***** ******** if they have any questions
regarding the fraud process. 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:12/03/2022
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 received a notice that I have a collection from AFNI, INC. on my credit report. It says it was opened on04/14/2022 for $718.00 with account number starting in ********** that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA and FDCPA.

I would like for this collection to be removed asap or I will file a CFPB and FTC report.
Business Response
Date: 12/05/2022
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On April 14,
2022, ****** forwarded the subject account, ****** ******* ** ********** Afni, Inc. account #: ************, with Afni for collections on
the balance of $718.52.
The account is for services established on September 8, 2018,
until ****** considered the account delinquent on March 13, 2021. Afni mailed
the initial notice of the account on or about April 19, 2022. On June 5, 2022, Afni furnished the credit
reporting agencies with notice of the account.
On December 5, 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, a signed contract is not always
required to initiate ****** services, as orders for services can be taken over
the phone or via the internet, which are considered verbal and electronic
signatures, respectively. Afni has complied with its obligations. The account was updated as potential identity
theft as the consumer denied knowledge of any service with ******. Afni encourages the consumer to visit
******'s fraud website at ********************, which discusses the process and
documentation needed for the fraud investigation. 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 ***** *********

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