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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

      1000 Jeters Avenue Opelika, AL 36801

    • Afni, Inc.

      404 Brock Dr Bloomington, IL 61701-2654

    • Afni, Inc.

      404 Brock Drive P.O. Box 3097 Bloomington, 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:09/26/2022

      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 filed a complaint of overcharging with FCC against ******* ******* ************ * ********** *** **** ******** **** ******* ** ****** ** **** **** * *** ************ **** **** **** ******* **** ***** *** ******** ** *** ******** I owed for my equipment, my IPHONE SE which I bought cash, at the apple store.
      I disputed that off my credit report, now a company called CCS COLLECTIONS
      Street Address *** ****** ****** **** ****** ***** ** *** *****, started calling to collect $76 for equipment I already owned, I disputed them off my credit report;
      now A*** ************* is calling, apparently for in an attempt to collect the same fraudulent debt

      Business Response

      Date: 10/05/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On July 25,
      2022, Comcast forwarded the subject account, C****** ******* **  ***************** ***** **** ******* **  ************* **** **** *** *********** ** *** ******* ** ********
      *** ******* ** *** ******** *********** ** ****** ** ***** ***** ******* ********** *** ******* ********** ** ***** *** *****  *** ******* ******* ********** **** *** ******* ** **** *********** ***** ****** ****** ****** ** ****** ***** ** *** **** ******* *** ******** ****** ** **** **********  **** ****** *** ******* ****** ** *** ******* ** ** ***** **** *** *****  ** ********* *** ***** **** ********* *** ****** ********* ******** **** ****** ** *** ******** ** ********* *** ***** *** ********* *** ***** **** ******** * ******* **** *** ****** ********* ******** **** ****** ** ******** ****** ******** *** ******** ************ *** ********* **************  ** ******* ** ***** **** **** * ******* ** *** ****** ********* ******** ** ****** *** ******* **** *** ********** ****** ****** *** ** ***** ****** ** ******** ******  ** ******* ** ***** **** ****** *** ******** * ***** ****** ***** ******* *** ** **** *** ******* ************ ** ******** ******
      On October 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 concerns, Afni does not handle collections for
      ******* ****** *********  **** **** ******** ********* ** *** ********* ***** *** ********* ** ********* ** ***** *** ******* **** **** *** ** ******** *********** **** *** *********** *** ****** ******* ** ***** ******** ********** *** ******* *** ******* ** ********* ******** ***** ** *** ******** ****** ********* ** *** ******* **** ********  **** ********** *** ******** ** ***** ********* ***** ******* ** *************************************** ***** ********* *** ******* *** ************* ****** *** *** ***** **************  **** ***** ** ***** **** ***** *** *********** ** **** ** **** ********  ************* *** ******** ****** ******* ********* ******** ***** ********** ** ***** ******** ** **** ******* *** ******* ** *** ****** ** ***** **** ** * **** ** ******** ******  ** *** ******** *** ********** **** **** ** ****** ******* *** ******** ***** **** ********  **** **** * ******* ** *** ****** ********* ******** ** ****** *** ******* **** *** ********** ****** ****** ** ******* ** *****  ****** ** ***** **** ** *** **** *** ****** ********* ******** ******** **** * ** ** **** ** ****** ******** ****** ********  **** *** ** ******* **** *** ******* *** ****** ********* ******** ****** ******** ****** ********  **** ****** **** ******** *** ********* *** ********** ********* *** ** ********* ******* ** ** **** ***** **** ** ******* *** ******** **** *** ******* * ******** ********* ********** ** ***** *********

    • Initial Complaint

      Date:09/22/2022

      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.
      AFNI
      PO BOX 3097
      BLOOMINGTON , IL ***** ****** ***** ******** ******* ***********  Please do not close this dispute as I do not accept the response. To ensure that the non-creditor report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
      I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. The non-creditor stated they will send the requested information in the mail however I feel as this is a stall tactic on their behalf, and I believe it to be a blatant violation of the FCRA.

      In addition please provide the contract signed between AFNI & 11 SPRINT, notarized and sworn under penalty and perjury for AFNI ability to collect this alleged debt.

      The non-creditor advised that they have sent me records via mail in the past explaining this debt however I never received these alleged documents. Were these documents mailed certified mail? I don’t believe this non creditor and feel that they are not being honest. Please send all validating records through the BBB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address.

      Business Response

      Date: 09/22/2022

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

    • Initial Complaint

      Date:09/16/2022

      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 sprint and do not have a contract with AFNI. They did not provide me with the original application between ME (The consumer) and AFNI (The Collection Agency) like i asked.

      Business Response

      Date: 09/21/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On December
      6, 2021, ****** forwarded the subject account, ****** ******* **  ********** ***** **** ******* **  ************* **** **** *** *********** ** *** ******* ** **********
      *** ******* ** *** ******** *********** ** ******** *** ***** ***** ****** ********** *** ******* ********** ** *** ** *****  *** ******* ******* ********** **** *** ******* ** **** ******* ****** ****** ******* ** ******  **** ****** *** ******* ****** ** *** ******* ** ** ***** ******** *** *****  ** ******* *** ***** **** ********* *** ****** ********* ******** **** ****** ** *** ********  ** ********* *** ***** *** ******** ***** ** ** **** ************** *** ****** * ******* ********* **** ********  ** ********* **** ****** ************* *** ********* ** **************  ** ********* *** ***** **** **** *** ******** ******** ** **** ******* ** *** ****** ********* ******** ** ****** *** ******* **** *** ********** ****** *******   
      On September 19, 2022, Afni received this complaint.  In response, Afni continued to cease
      communication and investigate   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.  Again, Afni sent a
      request to the credit reporting agencies to remove the account from the
      consumer’s credit report on September 18, 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.  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:09/16/2022

      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 a consumer by law and my information was misused and now I have some false not 100% accurate accounts on my credit report. Unauthorized used of my credit report.

      I demand deletion of the items and information plus I demand monetary compensation!!!

      Business Response

      Date: 09/19/2022

      This is in response to your BBB inquiry.  **** appreciates the opportunity to respond
      to the consumer’s concerns.  On March 4,
      2022, ******* forwarded the subject account, ******* ******* **  ***************** ***** **** ******* **  ************* **** **** *** *********** ** *** ******* ** *******
      The account is for services established on September 22,
      2020, until ******* considered the account delinquent on May 13, 2021.  The service address associated with the
      account is *** **** ************ ******* ************* ** 19134, which is the
      same address the consumer listed on this complaint.  **** mailed the initial notice of the account
      on or about March 9, 2022.  On May 8,
      2022, **** furnished the credit reporting agencies with notice of the account.
      On September 19, 2022, **** received this complaint.  This was Afni’s first contact with the
      consumer.  In response, **** ceased
      communication and initiated an investigation.   To address the consumer’s concerns,
      **** has complied with its obligations.   The account was updated as potential identity
      theft as the consumer denied knowledge of any service with Comcast.  **** encourages the consumer to visit
      Comcast's fraud website at *************************************** ***** ********* *** ******* *** ************* ****** *** *** ***** **************  **** ***** ** ***** **** ***** *** *********** ** **** ** **** ********  ************* *** ******** ****** ******* ********* ******** ***** ********** ** ***** ******** ** **** ******* *** ******* ** *** ****** ** ***** **** ** * **** ** ******** ******  ** *** ******** *** ********** **** **** ** ****** ******* *** ******** ***** **** ********  **** **** **** * ******* ** *** ****** ********* ******** ** ****** *** ******* **** *** ********** ****** *******  ****** ** ***** **** ** *** **** *** ****** ********* ******** ******** **** * ** ** **** ** ****** ******** ****** ********  **** *** ** ******* **** *** ******* *** ****** ********* ******** ****** ******** ****** ********  **** ****** **** ******** *** ********* *** ********** ********* *** ** ********* ******* ** ** **** ***** **** ** ******* *** ******** **** *** ******* * ******** ********* ********** ** ***** *********

    • Initial Complaint

      Date:09/14/2022

      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 ATT and do not have a contract with AFNI. They did not provide me with the original application like I asked.

      Business Response

      Date: 09/20/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On June 14,
      2022, **** ********* *** ******* ******** **** ******** ******* **  ************* ***** **** ******* **  **************** with Afni for collections on
      the balance of $832.57.
      The account is for services established on May 16, 2020,
      until **** considered the account delinquent on September 16, 2020.  The billing address associated with the
      account is **** ****** ******* ********* ** ****** and the phone numbers are ***** ******** *** ***** *********  Afni mailed
      the initial notice of the account on or about June 19, 2022.  On August 7, 2022, Afni furnished the credit
      reporting agencies with notice of the account.
      On September 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 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. On September 17, 2022, Afni
      received a dispute from the credit reporting agencies, reviewed all relevant
      information, and responded appropriately.  Furthermore, when a consumer submits a dispute through the credit
      reporting agencies, Afni responds directly to the credit reporting agencies.  On September 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 ******** ********* ********** ** ***** *********

      Customer Answer

      Date: 09/21/2022

       Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

    • Initial Complaint

      Date:09/14/2022

      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.
      In accordance with the Fair Credit Reporting act ***** *** * ************, 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 a account without my written instructions

      Business Response

      Date: 09/19/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On August 1,
      2022, ******* ********* *** ******* ******** ******* ******* **  ***************** ***** **** ******* **  ************* **** **** *** *********** ** *** ******* ** ********
      The account is for services established on August 1, 2021,
      until ******* considered the account delinquent on March 29, 2022.  The service address associated with the
      account is 1*** **** **** ******* ************* ** *****, which is
      the same address the consumer listed on this complaint.  Afni mailed the initial notice of the account
      on or about August 6, 2022.  Afni has not
      and will not furnish the subject account to the credit reporting agencies.
      ** ********* *** ***** **** ******** **** **********  **** *** ****** ***** ******* **** *** *********  ** ********* **** ****** ************* *** ********* ** **************  ** ******* *** ********** ******** **** *** ******** **** *** ************  *** ******* *** ******* ** ********* ******** ***** ** *** ******** ****** ********* ** *** ******* **** ********  **** ********** *** ******** ** ***** ********* ***** ******* ** *************************************** ***** ********* *** ******* *** ************* ****** *** *** ***** **************  **** ***** ** ***** **** ***** *** *********** ** **** ** **** ********  ************* *** ******** ****** ******* ********* ******** ***** ********** ** ***** ******** ** **** ******* *** ******* ** *** ****** ** ***** **** ** * **** ** ******** ****** ****** **** *** *** *** **** *** ******* *** ******* ******* ** *** ****** ********* *********  **** ****** **** ******** *** ********* *** ********** ********* *** ** ********* ******* ** ** **** ***** **** ** ******* *** ******** **** *** ******* * ******** ********* ********** ** ***** *********

    • Initial Complaint

      Date:09/13/2022

      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 with this debt with comcast and do not have a contract with afni., inc. they do not provide me with the original application like I asked.

      Business Response

      Date: 09/19/2022

      **** ** ** ******** ** **** *** ********  **** *********** *** *********** ** ******* ** *** ********** *********  ** **** *** ***** ******* ********* *** ******* ******** ******* ******* **  ***************** ***** **** ******* **  ************* **** **** *** *********** ** *** ******* ** ********
      *** ******* ** *** ******** *********** ** ********* ** ***** ***** ******* ********** *** ******* ********** ** *** *** *****  *** ******* ******* ********** **** *** ******* ** **** **** ****** ***** Apartment 1315, Tuscaloosa, AL
      ******  Afni mailed the initial notice of
      the account on or about June 27, 2019.  On August 25, 2019, Afni furnished the credit reporting agencies with
      notice of the account.
      On September 13, 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.  A signed contract is
      not always required to initiate ******* ********* ** ****** *** ******** *** ** ***** **** *** ***** ** *** *** ********* ***** *** ********** ****** *** ********** *********** *************  **** *** **** *** ******** ******** ** ***** ************** **** *** ******** *** ** ****** ******* ** **** ********  ** ********* *** ***** **** **** * ******* ** *** ****** ********* ******** ** ****** *** ******* **** *** ********** ****** *******  ****** ** ***** **** ** *** **** *** ****** ********* ******** ******** **** * ** ** **** ** ****** ******** ****** ********  **** *** ** ******* **** *** ******* *** ****** ********* ******** ****** ******** ****** ********  **** ****** **** ******** *** ********* *** ********** ********* *** ** ********* ******* ** ** **** ***** **** ** ******* *** ******** **** *** ******* * ******** ********* ********** ** ***** *********

      Customer Answer

      Date: 09/20/2022

       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.

    • Initial Complaint

      Date:09/12/2022

      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.
      You are reporting such an account that I do not know. Please remove it from my credit report!

      Business Response

      Date: 09/19/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On January
      6, 2022, ******* ********* *** ******* ******** ******* ******* **  ***************** ***** **** ******* **  ************* **** **** for collections on
      the balance of $1,144.26.
      The account is for services established on May 1, 2019,
      until Comcast considered the account delinquent on December 2, 2019.  The service address associated with the
      account is **** **** ****** ****** ****** ** ******  Afni mailed the initial notice of the account
      on or about January 11, 2022.  On March
      13, 2022, Afni furnished the credit reporting agencies with notice of the
      account.  On September 7, 2022, Afni received
      * ****** ******* ** *** ******* ** ********** ****** *** *** ******* **** ** *****
      ** ********* *** ***** **** ******** **** **********  ** ********* **** ****** ************* *** ********* ** **************  ** ******* *** ********** ******** **** *** ***** *** ********** ****** **** **** *** *** **** **** ********  ** ********** ****** *** ******* *** ****** ** **** ** ********* ** ***** ** **** ******** * ******* **** ********  ** ********* *** ***** **** **** * ******* ** *** ****** ********* ******** ** ****** *** ******* **** *** ********** ****** *******  ****** ** ***** **** ** *** **** *** ****** ********* ******** ******** **** * ** ** **** ** ****** ******** ****** ********  **** *** ** ******* **** *** ******* *** ****** ********* ******** ****** ******** ****** ********  **** ****** **** ******** *** ********* *** ********** ********* *** ** ********* ******* ** ** **** ***** **** ** ******* *** ******** **** *** ******* * ******** ********* ********** ** ***** *********

    • Initial Complaint

      Date:09/08/2022

      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 /collection / charge-off with 11 Comcast and do not have a contract with AFNI Inc . They did not provide me with the original application like i asked.

      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 can not furnish account without my written instructions.

      15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

      Business Response

      Date: 09/09/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  ** ******* *** ***** ******* ********* *** ******* ******** ******* ******* **  ***************** ***** **** ******* **  ************* with Afni for collections on
      the balance of $197.56.
      The account is for services established on June 1, 2018,
      until ******* ********** *** ******* ********** ** ******* ** *****  *** ******* ******* ********** **** *** ******* ** *** ******** ****** ************ ** ****** ***** ** *** **** ******* *** ******** ****** ** **** **********  **** ****** *** ******* ****** ** *** ******* ** ** ***** ******** ** *****  ** ***** ** ***** **** ********* *** ****** ********* ******** **** ****** ** *** ********
      ** ********* ** ***** **** ******** **** **********  **** *** ****** ***** ******* **** *** *********  ** ********* **** ****** ************* *** ********* ** **************   **** *** ******** ****** ** *** ******* ******* ********** ** **** ********* ***** *** ******** ** ********** ** *** ********  ** ******* *** ********** ********* *** ******* ******* *** *** **** ********* ** *****  **** ******** *** ******* **** ******* *** **** ** ** ***** ** ****** ** ******** ********** *** ******** ***** *** **** * ******** **** ***i.  This complaint is
      the first notification Afni received from the consumer there was a dispute
      regarding this account.  Afni has
      complied with its obligations. 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, Afni does
      not furnish, nor is Afni required to furnish, our agreement with ******* ******** ** *** ********* ** ******* ** * ***** ************ **** ** ****** ******** ** ******* ** * **** ** *** ***** ** ********* *** ******* ****** ** ********** ***********  ** ****** ** *** ********** ******** ***** *** *** ** *** ******** *** ******* ** *********** ******* ** *** ***** ****** ***** ** * ***** ** ****  **** **** *** **** **** ** ********** *********  ** *** ******** *** ********** **** **** ** ****** ******* *** ******** ***** **** ********  **** **** **** * ******* ** *** ****** ********* ******** ** ****** *** ******* **** *** ********** ****** *******  ****** ** ***** **** ** *** **** *** ****** ********* ******** ******** **** * ** ** **** ** ****** ******** ****** ********  **** *** ** ******* **** *** ******* *** ****** ********* ******** ****** ******** ****** ********  ******** **** **** *** **** **** *** ******* ** *** *** *** ****** ****** **** **** **** ** ****** ******* *** ******* ** *** ****** ********* *********  **** ****** **** ******** *** ********* *** ********** ********* *** ** ********* ******* ** ** **** ***** **** ** ******* *** ******** **** *** ******* * ******** ********* ********** ** ***** *********

    • Initial Complaint

      Date:09/07/2022

      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 being billed for a fraudulent claim that has no proof of my vehicle ever being in an accident on the date stated. In fact that vehicle was parked in a garage and filed with DMV as non-operational. Meaning it was not legal to drive on any street in the area. Today 9/6/22 is the first day i hear about this $15,805 claim. The sheriff states a christian and i do not know anyone by that name. Also i was severely beat the day prior at a hotel in modesto by an ex boyfriend and i have many other police reports and pictures and evidence of me clearly unable to have committed anything close to what im falsely being charged an extreme amount of money for. I asked them how to resolve this and they stated i would have to file a civil claim with court and stated if i filed a claim with BBB i would be laughed at by BBB and told not to contact BBB. My main question in all 3 stated recorded phone calls is how can i be bielde $15,805 dollars with zero evidence of any actual real accident ever occurring especially since the sheriff stated “Cris” did not cooperate and no piece of evidence of my vehicle was found. *********** ******* ************* ****** * ********* *** **** ***** *********

      Business Response

      Date: 09/08/2022

      Business requested an extension to respond to September 23 to allow time for research on the dispute and contact with the consumer. Extension approved by BBB 

      Business Response

      Date: 09/22/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the claimant’s concerns.   O* ***** *** ***** **** ********* *** ******* ******** **** ******* ** ************* ***** **** ******* ** ************* **** **** *** ********** ** *** ******* ** ***********
      *** ***** ** **** ** ******** ***** ******** ** ***** *** ***** ********* * ******* **** *** ****** ** ****** ** *** ********* ******** ********* **** ****** *** ******* ****** ** *** ***** ** ** ***** ***** *** *****  **** *** *** *** **** *** ******* *** ******* ***** ** *** ****** ********* *********  ** ********* ** ***** *** ******** ***** **** ** **** ************** *** ****** **** *** *** *** *********** *** *** *********  ************ ** ********* ** ***** *** ******** ***** ** ******* **** ************** *** ********* ***** **** *** *** *** *********** *** ******** *** *** ***** ** **** * *** ********** *** **** ************** ********* **** *** ***** **** ** ******* *** ****** ********** ** ****** ** ******* ****** ******.  The claimant then asked to speak
      with someone higher and the call was transferred to the consumer relations
      department.  Again, Ms. ******** was
      advised to contact the police department if she felt the police report was
      inaccurate and Ms. ******** stated that she was going to file a BBB complaint.
      On September 9, 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 Ms.
      ******** and **** is pursuing Ms. ******** as she 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 **** and the attached police report.  Per the attached police report, Ms. ********
      purposefully crashed her vehicle into **** insured’s vehicle.  Additionally, the police contacted Ms.
      ******** to meet up to discuss at the Fruit Yard for her statement and Ms. ********
      did not show. **** has completed their investigation and has found that Ms.
      ******** was at fault for the accident and is listed as the driver on the police report.  Additionally, due
      to the allegations by the claimant, Afni reviewed the calls in question.  Afni apologizes for any inconvenience this
      may have caused the claimant and appreciates the opportunity to resolve this
      matter.  Additionally, Afni has addressed
      the situation with the representative that the consumer spoke with and
      apologizes for the negative experience that she had.  On September 20, 2022, **** requested Afni to
      cease collections and return the account.  Afni is no longer the Subrogation agency handling the subject
      account.  Further inquiries regarding the
      account should be directed to ****.

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