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Business Profile

Collections Agencies

Afni, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

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

Find a Location

Afni, Inc. has 9 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Please enter a valid location.

    • Afni, Inc.

      1310 Martin Luther King Dr Bloomington, IL 61701-1465

    • Afni, Inc.

      PO Box 3097 Bloomington, IL 61702-3097

    • 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

    Customer Complaints Summary

    • 303 total complaints in the last 3 years.
    • 12 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

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

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:10/20/2022

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have a collection with Afni, Inc. Which I am not liable for because I do not have a contract with them nor was I notified and they have not provided proof that this debt belongs to me.

      Business Response

      Date: 10/21/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  ** ***** ** ***** ****** ********* *** ******* ******** ****** ******* **  ********** ***** **** ******* **  ************* **** **** *** *********** ** *** ******* ** ********
      *** ******* ** *** ******** *********** ** ***** *** ***** ***** ****** ********** *** ******* ********** ** ******** ** *****  *** ******* ******* ********** **** *** ******* ** **** **** *** ****** **** ****** ** ****** ***** ** *** **** ******* *** ******** ****** ** **** **********  **** ****** *** ******* ****** ** *** ******* ** ** ***** ***** *** *****  ** ***** *** ***** **** ********* *** ****** ********* ******** **** ****** ** *** ********
      ** ******* *** ***** **** ******** **** **********  **** *** ****** ***** ******* **** *** *********  ** ********* **** ****** ************* *** ********* ** **************   **** *** ******** ****** ** *** ******* ******* ********** ** **** ********* ***** *** ******** ** ********** ** *** ******** ** ******* *** ********** ********* *** ******* ******* *** *** **** ********* ** *****  **** ******** *** ******* **** ****** *** **** ** ** ***** ** ****** ** ******* ********** *** ******** ***** *** **** * ******** **** ***** ************* **** ****** *** ******* ** ** ***** ***** *** ***** ** *** **** ******* *** ******** ****** ** **** ********** **** ** ****** ** ******** ***** ************ **** ********* ** *** ***** ************ **** *** ******** **** *** ******** ********* * ******* ** **** ********  **** **** **** * ******* ** *** ****** ********* ******** ** ****** *** ******* **** *** ********** ****** *******  ****** ** ***** **** ** *** **** *** ****** ********* ******** ******** **** * ** ** **** ** ****** ******** ****** ********  **** *** ** ******* **** *** ******* *** ****** ********* ******** ****** ******** ****** ********  ******** **** **** *** **** **** *** ******* ** *** *** *** ****** ****** **** **** **** ** ****** ******* *** ******* ** *** ****** ********* *********  **** ****** **** ******** *** ********* *** ********** ********* *** ** ********* ******* ** ** **** ***** **** ** ******* *** ******** **** *** ******* * ******** ********* ********** ** ***** *********

    • Initial Complaint

      Date:10/19/2022

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      It pays my attention that the following accounts are inaccurate. I am a consumer by law. I am not happy about what I saw. This hurt my credentials as a consumer. I am not aware from those account. Here are the listed details of the account with discrepancies:

      Account Name AFNI, INC. Balance $305.00 Account Number ********** 

      Business Response

      Date: 10/20/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On May 24,
      2022, Sprint forwarded the subject account, Sprint account #:  ********** ***** **** ******* **  ************* **** **** *** *********** ** *** ******* ** ********
      The account is for services established on August 22, 2019,
      until Sprint considered the account delinquent on April 24, 2021.  Afni mailed the initial notice of the account
      on or about May 29, 2022.  On July 10,
      2022, Afni furnished the credit reporting agencies with notice of the account.
      ** ******* *** ***** **** ******** **** **********  **** *** ****** ***** ******* **** *** *********  ** ********* **** ****** ************* *** ********* ** ************** ** ******* *** ********** ******** *** ******* *** ******* ** ********* ******** ***** ** *** ******** ****** ********* ** *** ******* **** *******  **** ********** *** ******** ** ***** ******** ***** ******* ** ********************* ***** ********* *** ******* *** ************* ****** *** *** ***** ************** ******* * ***** ***** **** *** ****** ********* ******** ** * ********** *** *** ******** ** *********** * ***** ******  *** ******** *** **** ******* ****** ******** ** **** **** *** ********* ********* *** ***** ******* ** ***** *********  **** **** **** * ******* ** *** ****** ********* ******** ** ****** *** ******* **** *** ********** ****** *******  ****** ** ***** **** ** *** **** *** ****** ********* ******** ******** **** * ** ** **** ** ****** ******** ****** ********  **** *** ** ******* **** *** ******* *** ****** ********* ******** ****** ******** ****** ******** **** ****** **** ******** *** ********* *** ********** ********* *** ** ********* ******* ** ** **** ***** **** ** ******* *** ******** **** *** ******* * ******** ********* ********** ** ***** *********

    • Initial Complaint

      Date:10/19/2022

      Type:Billing Issues
      Status:
      Answered
      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 AT T and do not have a contract with Afni Inc. They do not provide me with the original application like I asked.

      Business Response

      Date: 10/21/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  ** **** ** ***** **** ********* *** ******* ******** ******* ******* **  ********** ***** **** ******* **  ************* **** **** *** *********** ** *** ******* ** ********
      *** ******* ** *** ******** *********** ** ********* ** ***** ***** **** ********** *** ******* ********** ** ******** *** *****  *** ******* ******* ********** **** *** ******* ** *** ****** ******* ****** ** ****** ***** ** *** **** ******* *** ******** ****** ** **** **********  **** ****** *** ******* ****** ** *** ******* ** ** ***** **** ** *****  ** **** *** ***** **** ********* *** ****** ********* ******** **** ****** ** *** ********
      ** ******* *** ***** **** ******** **** **********  **** *** ****** ***** ******* **** *** *********  ** ********* **** ****** ************* *** ********* ** **************   **** *** ******** ****** ** *** ******* ******* ********** ** **** ********* ***** *** ******** ** ********** ** *** ********  ** ******* *** ********** ********* *** ******* ******* *** *** **** ********* ** *****  **** ******** *** ******* **** **** *** **** ** ** ***** ** ****** ** ***** ********** *** ******** ***** *** **** * ******** **** *****   ************ **** ********* ** *** ***** ************ **** ******** **** *** ******** ********* * ******* ** **** ********  ************* * ****** ******** ** *** ****** ******** ** ******** **** ********* ** ****** *** ******** *** ** ***** **** *** ***** ** *** *** ********* ***** *** ********** ****** *** ********** *********** *************  **** **** **** * ******* ** *** ****** ********* ******** ** ****** *** ******* **** *** ********** ****** *******  ****** ** ***** **** ** *** **** *** ****** ********* ******** ******** **** * ** ** **** ** ****** ******** ****** ********  **** *** ** ******* **** *** ******* *** ****** ********* ******** ****** ******** ****** ********  ******** **** **** *** **** **** *** ******* ** *** *** *** ****** ****** **** **** **** ** ****** ******* *** ******* ** *** ****** ********* *********  **** ****** **** ******** *** ********* *** ********** ********* *** ** ********* ******* ** ** **** ***** **** ** ******* *** ******** **** *** ******* * ******** ********* ********** ** ***** *********

    • Initial Complaint

      Date:10/14/2022

      Type:Billing Issues
      Status:
      Resolved
      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 I asked.

      Business Response

      Date: 10/17/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On November
      9, 2021, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $881.35.
      The account is for services established on February 21, 2020,
      until ****** considered the account delinquent on September 20, 2020.  The billing address associated with the
      account is **** **** **** ******* ************ ** *****, which is
      the same address the consumer listed on this complaint.  Afni mailed the initial notice of the account
      on or about November 12, 2021.  On December
      26, 2021, Afni furnished the credit reporting agencies with notice of the
      account. On June 1, 2022, Afni received a dispute from the credit reporting
      agencies, reviewed all relevant information, and responded appropriately.
      On October 17, 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, 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 ***** *********

      Customer Answer

      Date: 10/17/2022

      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:10/10/2022

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with *** and do not have a contract with Afni, INC. They did not provide me with the original application like I asked.

      Business Response

      Date: 10/12/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On May 4,
      2022, **** forwarded the subject account, **** ******** ******* **  ************* ***** **** ******* **  083534420-01, with Afni for collections on
      the balance of $699.20.
      The account is for services established on February 10, 2020,
      until **** considered the account delinquent on August 4, 2021.  The billing address associated with the
      account is **** ****** ***** ****** ********* ** *****, and the phone numbers
      are ***** ******** *** ***** *********  Afni
      mailed the initial notice of the account on or about May 9, 2022.  On June 19, 2022, Afni furnished the credit
      reporting agencies with notice of the account.
      On October 10, 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. 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 ***** *********

    • Initial Complaint

      Date:10/06/2022

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      My complaint is that ****, inc. a collection company added a fraudulant collection account to ********** *** ******** ******* and ******* report on august 15, 2022 ****, inc. violated fcra and violated my previous do not call list request from phone communications but was allowed to correspond by usps and is authorized to resolved & respond to this compalint my complaint as follows **** added a ****** account with account number ********** with bogus balance of 6,114.00 however this ****** account was deemed fraud account
      identity theft and already disputed this ****** account with ****** fraud department. this ****** account was with a different collection agency who removed this account previously from all credit reports due to fraud.
      however **** inc bought this account pennys on a dollar and is trying to collect payment on fraud account.
      i am not responsible for this fraud account and because this is the second time dealing with this fraud account
      that was resolved, disputed, and removed from responsiblity if ****, inc do not removed this fraud ****** collection account from all credit bureaus by october-20-2022 i will seek ******** ***** ******* against ****, inc. to exceed 60,000,000.00 including attorney fees, court cost, credit bureau damages also ****, inc needs to closed this file, and send back account this fraud ****** account set up in my name threw identity theft
      there will be no monetary funds collected on this fraud debt in my name.
      if **** inc continue to collect, & do not remove this collection account from *********** ************************ report by this date given i will pursue to sue **** inc for their violations.
      afni inc must remove this collection account from all credit reports and closed out this fraud ****** account and send this account back to ****** including removing my name and info from ****, inc

      Business Response

      Date: 10/06/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On August
      15, 2022, ****** forwarded the subject account* ****** ******* **  ********** ***** ***. account #:  ************, with Afni for collections on
      the balance of $6,114.46.
      The account is for services established on December 16, 2019,
      until ****** considered the account delinquent on July 14, 20221.  Afni mailed the initial notice of the account
      on or about September 2, 2022.  On September
      19, 2022, the consumer spoke with an Afni representative and requested
      communications through mail, then the call became disconnected.  On October 2, 2022, Afni furnished the credit
      reporting agencies with notice of the account. 
      On October 6, 2022, Afni received this complaint.  In response, Afni ceased communication and
      initiated an investigation.  To address
      the consumer’s concerns, the first communication that Afni received from the
      consumer requesting communication through mail only was on September 19, 2022,
      and no phone calls.  Afni confirmed
      through ****** systems that they received three fraud packets from the consumer
      and that the consumer’s claims of identity theft were denied.  Additionally, ****** mailed a denial letter
      to the consumer’s ** *** ***** ******** **  *****, on or about April 20, 2022.  Afni has no business affiliation with prior collection agencies and
      cannot comment on their business practices.  The subject account has not been purchased by Afni.  Afni received the account from ****** and
      acts as an agent on behalf of ******.  Afni has complied with its obligations.  The account was updated as potential identity
      theft as the consumer denied knowledge of any service with ******.  Afni encourages the consumer to visit ******'s
      fraud website at ********************, which discusses the process and
      documentation needed for the fraud investigation. Placing a fraud alert with
      the credit reporting agencies is a suggestion and not required to investigate a
      fraud claim.  The consumer may also
      contact ****** directly if they have any questions regarding the fraud process
      at ***** ********.  As the consumer has
      requested, Afni will no longer contact the consumer about this account.  Afni will send a request to the credit
      reporting agencies to remove the account from the consumer’s credit
      report.  Please be aware that it can take
      the credit reporting agencies anywhere from 0 to 60 days to update consumer
      credit reports.  Afni has no control over
      how quickly the credit reporting agencies update consumer credit reports.  Afni trusts this response has addressed the
      consumer’s concerns, but if questions remain, or if they would like to discuss
      the account, they may contact a Consumer Relations Specialist at ***** *********

      Customer Answer

      Date: 10/06/2022

       I am rejecting this response because:

       

      this complaint will not be satified intil afni, inc actually do and is verified by me that the ****** collection account is confirmed and is deleated as afni, inc stated they requested deleation from t********* ****

      ********* ******** ******* ******   as of date 10/06/2022 as checking my credit reports the collection account is still showing.


      Business Response

      Date: 10/10/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On August
      15, 2022, ****** forwarded the subject account, ****** ******* **  ********** ***** **** ******* **  ************* with Afni for collections on
      the balance of $6,114.46.
      The account is for services established on December 16, 2019,
      until ****** considered the account delinquent on July 14, 20221.  Afni mailed the initial notice of the account
      on or about September 2, 2022.  On October
      2, 2022, Afni furnished the credit reporting agencies with notice of the
      account. 
      On October 10, 2022, Afni received this complaint.  In response, Afni ceased communication and
      initiated an investigation.  To address
      the consumer’s concerns, on October 9, 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:10/05/2022

      Type:Billing Issues
      Status:
      Answered
      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 debt for Afni, Inc and I do NOT have a contract with AFNI, Inc. I demand this be taken off my credit report.

      Business Response

      Date: 10/06/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On June 16,
      2022, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-**, with Afni for collections on
      the balance of $1,210.58.
      The account is for services established on February 6, 2018,
      until ****** considered the account delinquent on October 5, 2019.  The billing address associated with the
      account is *** **** *** ******* ********* **** ******** ** *****.  Afni mailed the initial notice of the account
      on or about June 28, 2022.  On August 7,
      2022, Afni furnished the credit reporting agencies with notice of the account.
      On October 6, 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 ****** 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 ***** *********

    • Initial Complaint

      Date:10/04/2022

      Type:Service or Repair Issues
      Status:
      Answered
      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'm depressed and suicidal after dealing with the unauthorized use of my personal information.
      Which resulted in this unauthorized item on my credit report. I sent letters over 30 days ago and they failed to get back with me with sufficient validation. This account violates the FDCPA and must be deleted immediately because those are serious violations and I could be compensated for them.

      Business Response

      Date: 10/04/2022

      This is in response to your BBB inquiry.  A*** *********** *** *********** ** ******* ** *** ********** *********  ** ***** *** ***** ******* ********* *** ******* ******** ******* ******* **  ***************** ***** **** ******* **  ************* **** **** *** *********** ** *** ******* ** **********
      The account is for services established on August 1, 2017,
      until Comcast considered the account delinquent on November 8, 2018.  The service address associated with the
      account is **** **** ******* ******* ** 36607.  Afni mailed the initial notice of the account on or about March 29, 2022.  On May 29, 2022, Afni furnished the credit
      reporting agencies with notice of the account.  On September 20, 2022, Afni received the consumer’s written letter of
      dispute.  In response, Afni ceased
      communication and initiated an investigation.   On September 25, 2022, Afni made
      the business decision to request the credit reporting agencies to remove the
      account from the consumer’s credit report.
      On October 4, 2022, Afni received this complaint.  In response, Afni continued to cease
      communication and investigate.   To address the consumer’s concern, Afni
      received the consumer only dispute on September 20, 2022, and has thirty days
      to investigate and respond. While investigating the consumer’s claims Afni
      received this complaint without a chance to respond.  The account was updated as potential identity
      theft as the consumer denied knowledge of any service with Comcast.  Afni encourages the consumer to visit
      Comcast's fraud website at **************************************, which
      discusses the process and documentation needed for the fraud
      investigation.  Your claim of fraud will
      cease all collections by Afni on this account.  Additionally, the consumer should contact ********* ******** ***** ********** ** ***** ******** ** they believe the account is not theirs or feels
      this is a case of identity theft.  As the
      consumer has requested, **** **** ** ****** ******* *** ******** ***** **** ********  ****** **** **** * ******* ** *** ****** ********* ******** ** ****** *** ******* **** *** ********** ****** ****** ** ********* *** *****  ****** ** ***** **** ** *** **** *** ****** ********* ******** ******** **** * ** ** **** ** ****** ******** ****** ********  **** *** ** ******* **** *** ******* *** ****** ********* ******** ****** ******** ****** ********  **** ****** **** ******** *** ********* *** ********** ********* *** ** ********* ******* ** ** **** ***** **** ** ******* *** ******** **** *** ******* * ******** ********* ********** ** ***** *********

    • Initial Complaint

      Date:10/01/2022

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      15 U.S.C 1681 section 602 A. States I have the 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
      Fair Debt Collection Practices **** ** *** ***** **** *** *** ******* * did not receive validation of this account I dispute your claims in their entirety
      Please evidence your authorization under ** *** ******* *** ** *** ****(f) in this alleged matter

      Business Response

      Date: 10/03/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On October
      7, 2021, ******* forwarded the subject account, ******* account #:  ****************, Afni, Inc. account #:  ************* **** **** *** *********** ** *** ******* ** ********
      *** ******* ** *** ******** *********** ** **** ** ***** ***** ******* ********** *** ******* ********** ** *** *** *****  *** ******* ******* ********** **** *** ******* ** *** **** ****** ****** ***** ****** ** ******  **** ****** *** ******* ****** ** *** ******* ** ** ***** ******* *** *****  ** ******** *** ***** **** ********* *** ****** ********* ******** **** ****** ** *** ******** **** ******* **** ******* ****** **** **** ******** ***** ******** **** *** ****** ********* ********* ******** *** ******** ************ *** ********* **************
      ** ******* ** ***** **** ******** **** **********  **** *** ****** ***** ******* **** *** *********  ** ********* **** ****** ************* *** ********* ** **************  **** *** ******** ****** ** *** ******* ******* ********** ** **** ********* ***** *** ******** ** ********** ** *** ********  ** ******* *** ********** ********* **** * ******** ******* * ******* ******* *** ****** ********* ********* **** ******** ******** ** *** ****** ********* *********  ************* **** *** ******** **** *** ************  **** **** **** * ******* ** *** ****** ********* ******** ** ****** *** ******* **** *** ********** ****** ******.  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 * ******** ********* ********** ** ***** *********

    • Initial Complaint

      Date:09/29/2022

      Type:Service or Repair Issues
      Status:
      Answered
      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 nature of my writing is to complain about a collection added to my credit report from AFNI. At no time have I had any interactions with representatives from this entity, yet I have a collections account added to my account. I’m not a customer of Comcast, haven’t been for many years, and as such, find this attempt to collect a fraud you dertakinf and have reported it as such to the appropriate credit bureaus and will continue on to the FCC. This illegitimate debt error will be removed and will forever go unpaid.

      Business Response

      Date: 10/03/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On July 25,
      2022, ******* forwarded the subject account, ******* account #:  ***************** Afni, Inc. ******* **  ************* with Afni for collections on
      the balance of $576.03.
      The account is for services established on April 1, 2014,
      until ******* considered the account delinquent on April 28, 2020.  The service address associated with the
      account is **** ***** ***** ******* **** ** Chicago, IL ******  Afni mailed the initial notice of the account
      on or about July 30, 2022.  On September
      25, 2022, Afni furnished the credit reporting agencies with notice of the
      account.  On September 30, 2022, Afni
      received the consumer’s dispute through the credit reporting agencies with
      claims of identity theft, reviewed all relevant information, and responded
      appropriately. On October 2, 2022, Afni sent a request to the credit reporting
      agencies to remove the account from the consumer’s credit report due to their
      claims of identity theft.
      ** ******* ** ***** **** ******** **** **********  **** *** ****** ***** ******* **** *** *********  ** ********* **** ****** ************* *** ********* ** **************  ** ******* *** ********** ******** *** ******* *** ******* ** ********* ******** ***** ** *** ******** ****** ********* ** *** ******* **** ********  **** ********** *** ******** ** ***** ********* ***** ******* ** *************************************** ***** ********* *** ******* *** ************* ****** *** *** ***** **************  **** ***** ** ***** **** ***** *** *********** ** **** ** **** ********  ************* *** ******** ****** ******* ********* ******** ***** ********** ** ***** ******** ** **** ******* *** ******* ** *** ****** ** ***** **** ** * **** ** ******** ******  ****** **** **** * ******* ** *** ****** ********* ******** ** ****** *** ******* **** *** ********** ****** *******  ****** ** ***** **** ** *** **** *** ****** ********* ******** ******** **** * ** ** **** ** ****** ******** ****** ********  **** *** ** ******* **** *** ******* *** ****** ********* ******** ****** ******** ****** ********  **** ****** **** ******** *** ********* *** ********** ********* *** ** ********* ******* ** ** **** ***** **** ** ******* *** ******** **** *** ******* * ******** ********* ********** ** ***** *********

    Afni, Inc. is NOT a BBB Accredited Business.

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