Business Profile

Collections Agencies

Afni, Inc.

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Complaints

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

Customer Complaints Summary

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:11/30/2022
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.
I am not liable for this debt with AFni,Inc. They did not provide me with the original application like I asked.
Business Response
Date: 12/01/2022
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On September
6, 2022, ******* forwarded the subject account, ******* account ** ***************** Afni, Inc. account #: ************* with Afni for collections on
the balance of $197.74. 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 August 1, 2020,
until ******* considered the account delinquent on May 5, 2022. The service address associated with the
account is *** ********* ***** ******* ********* **** ***** ***** ****** ** *****, which is the same address the consumer listed on this
complaint. Afni mailed the initial
notice of the account on or about September 11, 2022. On November 6, 2022, Afni furnished the
credit reporting agencies with notice of the account.
On December 1, 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, this complaint is the first notification Afni has received
from the consumer regarding a dispute on this account. A signed contract is not always required to
initiate ******* services, as orders for services can be taken over the phone
or via the internet, which are considered verbal and electronic signatures,
respectively. 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:11/30/2022
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 recently reviewed my credit report and Afni Inc is reporting to the bureaus on an account that continues to show as valid. I am disputing this now as I have no dealings with this company. I am not liable for this debt with Afni Inc if there is any (it is showing as $369). I have no knowledge of this company or its existence. I have not been provided with any original contract stating that I owe them any amount of money or that I have signed any contract with them. I also have not given any verbal, written, or electronic authorization to report anything to my credit reports. I am demanding that this information be deleted immediately as it is affecting my financial abilities. Due to this hindrance, I am unable to further obtain credit, increase credit, and to lower my current interest rates and monthly payments.

I demand that this account be deleted from my credit report
Business Response
Date: 12/01/2022
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On September
26, 2022, ******* forwarded the subject account, ******* ******* ** ***************** Afni, Inc. account #: ************, with Afni for collections on
the balance of $369.86.
The account is for services established on February 1, 2021,
until ******* considered the account delinquent on April 22, 2022. The service address associated with the
account is **** ***** ******* ****** ********* ** **** *********** ** ****** Afni mailed the initial notice of the account
on or about October 1, 2022. On November
27, 2022, Afni furnished the credit reporting agencies with notice of the
account.
On December 1, 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, this complaint is the first
notification Afni received from the consumer regarding a dispute on this
account. 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 has complied with its obligations. The account was updated as potential
identity theft as the consumer denied knowledge of any service with
*******. Afni encourages the consumer to
visit *******'s fraud website at *************************************** which
discusses the process and documentation needed for the fraud
investigation. Your claim of fraud will
cease all collections by Afni on this account. Additionally, the consumer should contact *******'s Identity Theft
Department at (**** ******** if they believe the account is not theirs or feels
this is a case of identity theft. 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: 12/08/2022
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:11/29/2022
Type:Service or Repair 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 AFNI, totaling 735.00 as listed on my credit report. I do not have a contract with AFNI. I don't have a signed contract with them and therefore the debt is not validated and I am requesting that the account be deleted from my credit report immediately.
Business Response
Date: 11/29/2022
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On June 6,
2022, Comcast forwarded the subject account, ******* ******* ** ***************** Afni, Inc. account ** ************* with Afni for collections on
the balance of $735.96.
The account is for services established on March 1, 2021,
until Comcast considered the account delinquent on December 3, 2021. The service address associated with the
account is **** **** ****** ****** ********* ** 34235. Afni mailed the initial notice of the account
on or about June 11, 2022. On August 7,
2022, Afni furnished the credit reporting agencies with notice of the account.
On November 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 statements 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 Comcast and
acts as an agent on behalf of Comcast; 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 ******** ********* ********** ** ***** *********
Initial Complaint
Date:11/25/2022
Type:Service or Repair 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.
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

•»AFNI 108449***
Business Response
Date: 11/28/2022
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On August
18, 2022, ******* ********* *** ******* ******** ******* ******* ** ***************** Afni, Inc. account #: ************* with Afni for collections on
the balance of $941.72.
The account is for services established on December 1, 2015,
until ******t considered the account delinquent on March 18, 2017. The service address associated with the
account is ***** *** ******* ******** ** *****. Afni mailed the initial notice of the account
on or about August 23, 2022. On October
23, 2022, Afni furnished the credit reporting agencies with notice of the
account. On November 16, 2022, Afni received
a dispute from the credit reporting agencies with the consumer’s claims of
identity theft. On November 17, 2022,
Afni mailed the consumer a fraud packet which details how to have the account
investigated as identity theft. On
November 20, 2022, Afni sent a request to the credit reporting agencies to
remove the account from the consumer’s credit report due to the consumer’s
claims for identity theft.
On November 25, 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, Afni mailed the initial notice on or
about August 23, 2022, with no notice of returned mail. The account was updated as potential identity
theft as the consumer denied knowledge of any service with Comcast. Afni will
forward the consumer’s identity theft report, affidavit, and supporting
documentation to Comcast. Again, Afni sent
a request to the credit reporting agencies to remove the account from the
consumer’s credit report on November 20, 2022. 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:11/22/2022
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 recently checked my credit report and notice this error of this account I am not liable for this account with AFNI, INC. This company has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions. I demand the following accounts be verified or removed immediately.
In accordance with the Fair Credit Reporting Act Convergent
Thank you so very much for your help regarding this issue.
Business Response
Date: 11/22/2022
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On September
9, 2022, ******* forwarded the subject account, ******* account #: ****************, Afni, Inc. account #: ************, with Afni for collections on
the balance of $480.73.
The account is for services established on April 1, 2018,
until ******* considered the account delinquent on October 10, 2020. The service address associated with the
account is **** ***** ***** ******* ** ****** Afni mailed the initial notice of the account on or about September 14,
2022. On November 13, 2022, Afni
furnished the credit reporting agencies with notice of the account.
On November 22, 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 has complied with its obligations. Additionally, the subject account has not
been purchased by Afni. Afni received
the account from ******* and acts as an agent on behalf of *******. 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 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 ***** *********
Customer Answer
Date: 11/22/2022
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:11/21/2022
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 *******. I do not have a contract with AFNI, INC. They did not provide me with the original application like I asked.
Business Response
Date: 11/22/2022
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On July 11,
2022, ******* forwarded the subject account, ******* ******* ** ***************** Afni, Inc. account #: ************, with Afni for collections on
the balance of $524.12. 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 January 1, 2020,
until ******* considered the account delinquent on February 11, 2022. The service address associated with the
account is ***** ********* ***** ********* **** ******* ** ****** Afni mailed the initial notice of the account
on or about July 16, 2022. On September
11, 2022, Afni furnished the credit reporting agencies with notice of the
account.
On November 22, 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, 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. 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: 11/28/2022
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 this account is removed from my credit report.

Thank you for your assistance
Initial Complaint
Date:11/16/2022
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 collection account and this account DO NOT belong to me, this debt collection has appeared on my Experian, Transunion and Equifax credit reports. I have disputed and asked for the original documentation or contract establishing me as the owner of this debt with ******* $173.00) but the company has not provided with it.

Due to effects of Covid on me and my family I was unable to complain within a year of the issue.
Business Response
Date: 11/17/2022
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On August
12, 2020, ****** forwarded the subject account, ****** account #: *********, Afni, Inc. account #: ************* with Afni for collections on
the balance of $173.97.
The account is for services until ****** considered the
account delinquent on May 21, 2018. Afni
mailed the initial notice of the account on or about August 15, 2020. On June 6, 2021, Afni furnished the credit reporting
agencies with notice of the account.
On November 17, 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, Afni is not in receipt of any
dispute from the consumer or the credit reporting agencies. This complaint is the first notification Afni
has received from the consumer that there was a dispute regarding 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. 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 (800) 937-8997. 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:11/15/2022
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 (Original Creditor: ** ** *) Account Number: *********** Balance: $2,653.00 - this credit card account is not mine and I want you to remove this account. This is completely a violation to FCRA. Please stop reporting this account. I demand you to remove this from my credit report.
Business Response
Date: 11/15/2022
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, **** ******** ******* ** ************, Afni, Inc. account #: ************, with Afni for collections on
the balance of $2,653.39.
The account is for services established on July 3, 2019,
until **** considered the account delinquent on August 20, 2021. The billing phone numbers are ***** ********, ***** ********, ***** ********, and ***** ********. 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 November 15, 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, this complaint is the first
notification Afni has received from the consumer regarding a dispute with the
claims of identity theft. The subject account has not been purchased by
Afni. Afni received the account from **** and acts as an agent on behalf of ****; therefore, the consumer would not
have a contract with Afni. Additionally,
a signed contract is not always required to initiate **** services, as
orders for services can be taken over the phone or via the internet, which are
considered verbal and electronic signatures, respectively. The account was updated as potential
identity theft as the consumer denied knowledge of any service with ****. Afni will forward the consumer’s identity
theft report to ****. The consumer
may also contact ****'* Fraud Department at ***** ******** if they have any
questions regarding the fraud process. Afni
will send a request to the credit reporting agencies to remove the account from
the consumer’s credit report. Please be
aware that it can take the credit reporting agencies anywhere from 0 to 60 days
to update consumer credit reports. Afni
has no control over how quickly the credit reporting agencies update consumer
credit reports. Afni trusts this
response has addressed the consumer’s concerns, but if questions remain, or if they
would like to discuss the account, they may contact a Consumer Relations
Specialist at ***** *********
Initial Complaint
Date:11/14/2022
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 basis for my dispute AFNI COLLECTIONS,*** ****** ** ******, President/COO,AFNI, INC.,***********$1,317 - was required to notify me prior to 03/26/2022, or no later than 30 days after.

AFNI, INC.failed to notify me about reporting derogatory info. to Equifax, Experian, and Transunion In section 603(p) 15 U.S.C. ss 168s-2(a)(7)(A)(I); “The notice required under subparagraph (A) shall be provided to the customer prior to, or no later than 30 days after 03/26/2022, furnishing the negative derogatory information to a consumer reporting agency described in section 603 (p),’ 15 U.S.C. ss 1681s-2(a)(7)(B)(I). Plus broke commercial law under UCC § 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response.

Also, AFNI, INC." failed to give me my "Mini-Miranda" five days prior to placing this derogatory item on all of my credit reports, per Section 807(11) & FDCPA §809, which is $1000 per violation and the state of TX allows treble damages.

Under § 809. Validations of date and Mini-Mirandi under Section 807(1)AFNI COLLECTIONS,*** ****** ** ******, President/COO failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to $2500 and can be enforced by the FTC, and that my state attorney general can also enforce this with a $1000 penalty as well.

I attached a copy of the law and the actual document from the federal reserve

AFNI, INC.is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. ***** ** ***** *** *********(*********** ******* **** *******.) citing ****** ** ***** *** ****** ***(************** **** **** ****** *****.)

RESOLUTION

I will if the account is not taken back
Business Response
Date: 11/15/2022
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On March 3,
2022, **** forwarded the subject account, **** Mobility account #: ************, Afni, Inc. account #: ************, with Afni for collections on
the balance of $1,317.48.
The account is for services established on February 3, 2020,
until **** considered the account delinquent on May 29, 2020. The billing address associated with the
account is *** ****** ****** ********* ** ******** ** *****, and the phone
number is (**** **** ****. Afni mailed
the initial notice of the account on or about March 8, 2022. On April 24, 2022, Afni furnished the credit
reporting agencies with notice of the account. On October 28, 2022, Afni
received a dispute from the credit reporting agencies, reviewed all relevant
information, and responded appropriately.
On November 14, 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 mailed the initial notice on or about March 8, 2022, with no
notice of returned mail. The initial
notice contains the mini-miranda. When a
consumer submits a dispute through the credit reporting agencies, Afni responds
directly to the credit reporting agencies. Therefore, Afni has complied with its obligations. Afni will send a request to the credit
reporting agencies to remove the account from the consumer’s credit
report. Please be aware that it can take
the credit reporting agencies anywhere from 0 to 60 days to update consumer
credit reports. Afni has no control over
how quickly the credit reporting agencies update consumer credit reports. However, this does not mean that the account
is not due and owing, simply that Afni will no longer furnish the account to
the credit reporting agencies. Afni
trusts this response has addressed the consumer’s concerns, but if questions
remain, or if they would like to discuss the account, they may contact a Consumer
Relations Specialist at (**** *********
Initial Complaint
Date:11/09/2022
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 got a collection notice for account #************ stating that my company, Twigs and Thyme, did not pay the ****** account and is owing $1368.34. This account goes back to 2018. I or my company have NEVER had any accounts with ****** and do not owe them a single cent. We pay all our bills on time and this is a fraudulent account and does not belong to us.
Business Response
Date: 11/10/2022
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond
to the consumer’s concerns. On September
8, 2022, ****** forwarded the subject account, ****** account #: *********, Afni, Inc. account #: ************, with Afni for collections on
the balance of $1,368.34.
The account is for services established on February 6, 2018,
until ****** considered the account delinquent. Afni mailed the initial notice of the account
on or about October 24, 2022. Afni has
not and will not furnish the subject account to the credit reporting agencies.
On November 9, 2022, the owner of the business spoke to an Afni representative
and stated that this account was the result of fraud. On November 10, 2022,
Afni mailed the business a fraud packet which details how to have the account
investigated as identity theft fraud.
On November 10, 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 owner denied knowledge of any service with ******. Afni encourages the owner 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 ***** ********* 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: 11/10/2022
I am rejecting this response because:

As stated in my complaint, this is not my account and I will need a letter stating same from the collection company and ******. I have already reported the case as identity theft with ******.

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Afni, Inc.

Afni, Inc.

Afni, Inc.

Afni, Inc.

Afni, Inc.

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Afni, Inc. is NOT a BBB Accredited Business.

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Afni, Inc. is NOT a BBB Accredited Business.