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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.

    Sort by

    Complaint status

    Complaint type

    • 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'm not liable for this debt from AFNI, INC. and do not have a contract with AFNI, INC. I was not provided with the original application like I requested.

      Business Response

      Date: 09/07/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On August
      20, 2021, ******* forwarded the subject account, ******* account #:  ****************, Afni, Inc. account #:  ************, with Afni for collections on
      the balance of $62.13.
      The account is for services established on January 1, 2019,
      until ******* considered the account delinquent on March 21, 2019.  The service address associated with the
      account is **** ********* **** ******* ****** ** *****.  Afni mailed the initial notice of the account
      on or about August 23, 2021.  On October
      24, 2021, Afni furnished the credit reporting agencies with notice of the
      account.
      On September 7, 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. Furthermore, this complaint is the first notification Afni
      received from the consumer regarding a dispute on this account. Afni will send
      a request to the credit reporting agencies to remove the account from the
      consumer’s credit report.  Please be
      aware that it can take the credit reporting agencies anywhere from 0 to 60 days
      to update consumer credit reports.  Afni
      has no control over how quickly the credit reporting agencies update consumer
      credit reports.  However, this does not
      mean that the account is not due and owing, simply that Afni will no longer
      furnish the account to the credit reporting agencies.  Afni trusts this response has addressed the
      consumer’s concerns, but if questions remain, or if they would like to discuss
      the account, they may contact a Consumer Relations Specialist at (**** ********.

    • Initial Complaint

      Date:09/06/2022

      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 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: 09/06/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On June 6,
      2022, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  ************, with Afni for collections on
      the balance of $1,246.84.
      The account is for services established on June 1, 2018,
      until ****** considered the account delinquent on March 29, 2019.  Afni mailed the initial notice of the account
      on or about June 11, 2022.  On July 24,
      2022, Afni furnished the credit reporting agencies with notice of the account.
      On September 6, 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 under the FCRA.   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
      www.******.com/fraud, 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 ***** ********.

      Business Response

      Date: 09/06/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On June 6,
      2022, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  ************* with Afni for collections on
      the balance of $1,246.84.
      The account is for services established on June 1, 2018,
      until ****** considered the account delinquent on March 29, 2019.  Afni mailed the initial notice of the account
      on or about June 11, 2022.  On July 24,
      2022, Afni furnished the credit reporting agencies with notice of the account.
      On September 6, 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 under the FCRA.   The
      account was updated as potential identity theft as the consumer denied
      knowledge of any service with Sprint.  Afni encourages the consumer to visit Sprint's fraud website at
      www.sprint.com/fraud, 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: 09/06/2022

      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.

      Customer Answer

      Date: 09/06/2022

      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:09/01/2022

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

      Business Response

      Date: 09/06/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On June 22,
      2022, **** forwarded the subject account, **** Mobility account #:  ************* ****, Inc. account #:  ************* with Afni for collections on
      the balance of $1,192.31.
      The account is for services established on December 31, 2020,
      until **** considered the account delinquent on August 20, 2021.  The billing address associated with the
      account is **** **** ***** **** ********* *** ******* ** ****** ***** ** *** **** ******* *** ******** ****** ** **** ********** *** *** ***** ****** ** ***** *********  **** ****** *** ******* ****** ** *** ******* ** ** ***** **** *** *****  ** ****** ** ***** **** ********* *** ****** ********* ******** **** ****** ** *** ********
      ** ********* ** ***** **** ******** **** **********  **** *** ****** ***** ******* **** *** *********  ** ********* **** ****** ************* *** ********* ** **************   **** *** ******** ****** ** *** ******* ******* ********** ** **** ********* ***** *** ******** ** ********** ** *** ********  ** ******* *** ********** ********* **** *** ** ******** *********** **** ********** *** ****** ******* ** ***** ******** **********  ************* *** ******* ******* *** *** **** ********* ** *****  **** ******** *** ******* **** **** *** **** ** ** ***** ** ****** ** ***** ********** *** ******** ***** *** **** * ******** **** *****  ************ **** ********* *** *** ***** ************ **** ******** **** *** ******** ********* * ******* ** **** ******** ** ********* ** ***** **** **** * ******* ** *** ****** ********* ******** ** ****** *** ******* **** *** ********** ****** *******  ****** ** ***** **** ** *** **** *** ****** ********* ******** ******** **** * ** ** **** ** ****** ******** ****** ********  **** *** ** ******* **** *** ******* *** ****** ********* ******** ****** ******** ****** ********  ******** **** **** *** **** **** *** ******* ** *** *** *** ****** ****** **** **** **** ** ****** ******* *** ******* ** *** ****** ********* *********  **** ****** **** ******** *** ********* *** ********** ********* *** ** ********* ******* ** ** **** ***** **** ** ******* *** ******** **** *** ******* * ******** ********* ********** ** ***** *********

    • Initial Complaint

      Date:08/30/2022

      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 is trying to collect a debt; however, they try to contact my underage daughter by phone. I sent a certified letter that should only contact be my mail and communications need to be in writing.

      Business Response

      Date: 09/08/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  This
      response covers three accounts; they will be address to. 
      On July 18, 2022, forwarded the subject account, *********** ******* ** ********** ***** **** ******* ** ********* **** **** **** *** ********** ** *** ******* ** ***********
      ** **** *** ***** *********** ********* *** ******* ******** *********** ******* ** ********** ***** **** ******* ** ************* **** **** *** ********** ** *** ******* ** *********
      ** ***** *** ***** *********** ********* *** ******* ******** *********** ******* ** ********** ***** **** ******* ** ************* **** **** *** ********** ** *** ******* ** **********  ** ***** *** ***** **** ******** ** ********** ** *** ******* ** ********** ****** *** *** ******* **** ********* 
      *** ***** ** **** ** ******** ***** ******** ** ******* *** ***** ********* * ******* **** *** ****** ** ********* ** *** ********* **** ****** **** ******* *** **  ***************** **** ******* ****** *******  *** ******* ******** ** *********** *** *** ***** ** **** ********* ***** ******* ******* ** ******  **** *** *** *** **** *** ******* *** ******* ***** ** *** ****** ********* *********  ** ****** *** ***** **** ******** * ******* ****** ** ******* **** *** ********* **** ********* *** ************** ** ******** ** *** ***** *** *** *** ******* **** ****** ** ********  ** ****** *** ***** ** **** ************** ********* ** ***** *** ****** *** *** **** *** ***** ** *** ********** ******** *** ****** *** *** ******** *** **** * ******* ** **** *** ******** **** ***** 
      On August 31, 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 owner of the vehicle that struck ************* insured and was found to be
      responsible for the accident based on the investigation completed by ***********
      and the attached police report.  Per the
      attached police report, Vehicles 2,3, &4 were parked eastbound in the
      driveway and Vehicle 1 ran off the right side of the road struck a mailbox then
      a trash can.  Then proceeded to travel
      northbound on the sidewalk striking vehicles 2, 3, & 4. The driver of
      vehicle 1 was at fault for carless driving and no proof of insurance.
      *********** has completed their investigation and has found that Ms. ***** was at fault for the
      accident and is listed as the registered
      owner on the police report.  As
      previously noted, Afni contacted a phone number that was provided as a contact
      and once informed that it was the claimants underage daughter the number was
      removed.  Additionally, per the written
      letter of dispute, no numbers were outlined as preferred contact numbers for
      the claimant.  As the claimant has
      requested, Afni will no longer contact the claimant about this account.  Afni trusts that this response has addressed
      all of the claimant’s concerns, but if ********* ******* ** ** *** ***** ***** **** ** ******* *** *********** ******* ******** *** *** ******* ** ********* ******** ************** ** ***** *********

    • Initial Complaint

      Date:08/29/2022

      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 FOR THIS DEBT AND I DO NOT HAVE THE CONTRACT WITH AFNI PLUS THEY DO NOT PROVIDE ME THE ORIGINAL APPLICATION
      LIKED I ASKED

      Business Response

      Date: 08/29/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On January
      26, 202** **** forwarded the subject account, **** U-Verse account
      #:  *********, Afni, Inc. account #:  ************, with Afni for collections on
      the balance of $490.39.
      The account is for services established on February 1, 2019,
      until **** considered the account delinquent on January 10, 2020.  The service address associated with the
      account is 17630 Bryce Manor Lane, Humble, TX, which is the same address the
      consumer listed on this complaint.  Afni
      mailed the initial notice of the account on or about January 31, 2022.  On March 20, 2022, Afni furnished the credit
      reporting agencies with notice of the account.  On August 5, 2022, Afni received a dispute from the credit reporting
      agencies with the consumer’s claims of fraud, reviewed all relevant
      information, and responded appropriately.  On August 7, 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
      fraud.  On August 11, 2022, Afni mailed
      the consumer a fraud packet which details how to have the account investigated
      as fraud.
      On August 29, 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.  Additionally, when a consumer submits a
      dispute through the credit reporting agencies, Afni responds directly to the
      credit reporting agencies.  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 does not
      furnish, nor is Afni required to furnish, our agreement with **** granting
      us the authority to collect on a debt.  A
      license is not required to collect on debt in the state of Texas.  Afni has complied with its obligations. The
      account was updated as potential identity theft as the consumer denied
      knowledge of any service with ****.  A fraud packet is attached for the consumer’s completion, or the
      consumer may go to www.att.com/uverseidtheft.  Afni encourages the consumer to return the Fraud Affidavit within 21
      days to **** for investigation.  The
      completed affidavit to **** at fax number ###-###-#### or mailed to
      **** **************** ***** ** ******** ******* **** *** **** *********** ** *****.  Additionally, **** does
      not require a police report.  Placing a
      fraud alert with the credit reporting agencies is a suggestion and not required
      to investigate a fraud claim.  The
      consumer may also contact ****'s Fraud Department at ###-###-#### if they
      have any questions regarding the fraud process.  Again, Afni sent a request to the credit reporting agencies to remove
      the account from the consumer’s credit report on August 7, 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:08/28/2022

      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, ****** *****, do not have a contract with AFNI or ******. I have no legal binding agreement with AFNI, I am not responsible for the acct ********** in the amount of $3040. I demand that this account be removed from my credit report immediately.

      Business Response

      Date: 08/30/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On March 15,
      2022, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  ************, with Afni for collections on
      the balance of $3,040.26.
      The account is for services established on January 21, 2012,
      until ****** considered the account delinquent on October 25, 2019.  The billing address associated with the
      account is 917 Orion Hills, Effingham, SC 29541, which is the same address the
      consumer listed on this complaint.  Afni
      mailed the initial notice of the account on or about March 20, 2022.  On May 1, 2022, Afni furnished the credit
      reporting agencies with notice of the account.
      On August 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 ****** 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:08/26/2022

      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.
      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 Account #********** Bal:$95.00

      Business Response

      Date: 08/29/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On July 6,
      2022, **** forwarded the subject account, **** Mobility account #:  ************, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $95.57.
      The account is for services established on July 7, 2021,
      until **** considered the account delinquent on November 15, 2021.  The phone number is ###-###-####.  Afni mailed the initial notice of the account
      on or about July 11, 2022.  On August 21,
      2022, Afni furnished the credit reporting agencies with notice of the account.
      On August 26, 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, the account
      was updated as potential identity theft as the consumer denied knowledge of any
      service with ****.  A fraud packet is
      attached for the consumer’s completion, or the consumer may go to
      https://link.att.com/theftdocuments.  Afni encourages the consumer to return the Fraud Affidavit within 21
      days to **** for investigation.  The
      completed affidavit can be mailed to **** at **** ******** ***** ** ******** ******* **** *** **** ******** ** **********.  Additionally, **** does not require a
      police report.  Placing a fraud alert
      with the credit reporting agencies is a suggestion and not required to
      investigate a fraud claim.  The consumer
      may also contact ****'s Fraud Department at ###-###-#### if they have any
      questions regarding the fraud process.  Afni
      will send a request to the credit reporting agencies to remove the account from
      the consumer’s credit report.  Please be
      aware that it can take the credit reporting agencies anywhere from 0 to 60 days
      to update consumer credit reports.  Afni
      has no control over how quickly the credit reporting agencies update consumer
      credit reports.  Afni trusts this
      response has addressed the consumer’s concerns, but if questions remain, or if they
      would like to discuss the account, they may contact a Consumer Relations
      Specialist at ###-###-####.

    • Initial Complaint

      Date:08/24/2022

      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 charter communication and I do not have a contract with Afni, Inc. they did not provide me with the original aplication as I asked

      Business Response

      Date: 08/30/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On June 30,
      2022, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  ************, with Afni for collections on
      the balance of $1,769.18.
      The account is for services established on March 29, 2017,
      until ****** considered the account delinquent on June 2, 2021.  The billing address associated with the
      account is **** ******* **** ***** ********* *** ******** ** *****.  Afni mailed the initial notice of the account
      on or about July 5, 2022.  On August 21,
      2021, Afni furnished the credit reporting agencies with notice of the account.
      On August 25, 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, Afni is not in receipt of a ******* ************** account
      for the consumer.  The subject account
      has not been purchased by Afni.  Afni
      received the account from ****** and acts as an agent on behalf of Sprint;
      therefore, the consumer would not have a contract with Afni.  Additionally, this is the first notification
      Afni received from the consumer regarding a dispute on this account.
      Furthermore, a signed contract is not always required to initiate Sprint
      services, as orders for services can be taken over the phone or via the
      internet, which are considered verbal and electronic signatures, respectively.  On August 28, 2022, 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:08/24/2022

      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 received a notification from my bank that there was a negative mark on my credit report. I have never heard of this company and not sure why they have my information. I never had a balance with ******* as I switched companies and there was no balance. I never received any notification from Afni and never had the opportunity to dispute it. When were you in communication with *******? Have you sent information to me in the last 30 days? I give you permissIon to provide any information you have to BBB. Please remove the negative mark from the three credit bureaus.

      Business Response

      Date: 08/25/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On June 17,
      2022, ******* forwarded the subject account, ******* account #:  ****************, Afni, Inc. account #:  ************, with Afni for collections on
      the balance of $314.80.
      The account is for services established on July 1, 2021,
      until ******* considered the account delinquent on February 14, 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 June 22, 2022.  On August 21, 2022, Afni furnished the credit
      reporting agencies with notice of the account.  On July 6, 2022, the consumer spoke to an Afni representative. 
      On August 25, 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 June 22, 2022, to the same
      address the consumer listed on this complaint with no notice of returned mail.  Additionally, the initial notice contains the
      consumer’s right to dispute.  Furthermore, Afni attempted to send out two more letter to the same
      address with no notice of returned mail.  On August 28, 2022, Afni sent a request to the credit reporting agencies
      to remove the account from the consumer’s credit report.  Please be aware that it can take the credit
      reporting agencies anywhere from 0 to 60 days to update consumer credit
      reports.  Afni has no control over how
      quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account
      is not due and owing, simply that Afni will no longer furnish the account to
      the credit reporting agencies.  Afni
      trusts this response has addressed the consumer’s concerns, but if questions
      remain, or if they would like to discuss the account, they may contact a Consumer
      Relations Specialist at ###-###-####.

    • Initial Complaint

      Date:08/23/2022

      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.
      This account DO NOT belong on my credit report... ******* tried to put it on my account but it was removed by the credit bureau because I do not owe them anything.. So now months later they have this company whoever they are come back and put this on my report.. I am coming to you all first to have them removed this back off my report, before I file a claim in court against this company.. It makes no sense that this is done.. It is against the law to tamper with someone credit report and this company need to be investigated. Also the fraudulent dates that they have listed. Thanks

      Business Response

      Date: 08/24/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On June 10,
      2022, ******* forwarded the subject account, ******* account #:  ****************, Afni, Inc. account #:  ************, with Afni for collections on
      the balance of $372.80.
      The account is for services established on January 10, 2019,
      until ******* considered the account delinquent on September 19, 2021.  The service address associated with the
      account is 2400 Kingsway Road, Fort Washington, MD 20744, which is the same
      address the consumer listed on this complaint.  Afni mailed the initial notice of the account on or about June 15, 2022.
      On June 16, 2022, an Afni representative spoke to the consumer who requested no
      more phone calls, and the call then became disconnected.  On August 14, 2022, Afni furnished the credit
      reporting agencies with notice of the account.  On August 21, 2022, Afni received a dispute from the credit reporting
      agencies, reviewed all relevant information, and responded appropriately.
      On August 24, 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, when a consumer submits a dispute through the credit reporting
      agencies, Afni responds directly to the credit reporting agencies.  Afni is unaware of any other disputes through
      the credit reporting agencies and would not be able to speak on them.  Per the attached billing statements, the
      consumer had a past due balance and there was also a returned Echeck/EFT
      payment.  With regard to the consumer’s
      statement that Afni has re-aged the account, Afni has furnished accurate
      information to the credit reporting agencies at all times.  The credit
      reporting agencies require Afni to furnish the date Afni received the account
      as the open date.  However, the age of obsolescence for credit reporting
      is determined by the date of delinquency furnished to the credit reporting
      agencies.  When Afni furnished information on the account, it furnished
      the open date as June 10, 2022.   As previously stated, the date
      of delinquency on the account is September 19, 2021.  Therefore, Afni has
      not re-aged the account.  Afni has
      complied with its obligations.  As the
      consumer has requested, Afni will no longer contact the consumer about this
      account.  Afni will send a request to the
      credit reporting agencies to remove the account from the consumer’s credit
      report.  Please be aware that it can take
      the credit reporting agencies anywhere from 0 to 60 days to update consumer
      credit reports.  Afni has no control over
      how quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account
      is not due and owing, simply that Afni will no longer furnish the account to
      the credit reporting agencies.  Afni
      trusts this response has addressed the consumer’s concerns, but if questions
      remain, or if they would like to discuss the account, they may contact a Consumer
      Relations Specialist at ###-###-####.

      Customer Answer

      Date: 08/24/2022

       I am rejecting this response because:


      This is inaccurate.. No one NEVER contacted me about ANYTHING. nor did I get a letter from them. BBB can go back and check that in November 2021 I filed a claim against ******* because they went into my bank account without my permission.. The case was filed with my bank as well.. And I was refunded my money back.. ******* builds you a month in advance. I discontinued my service with them on Dec 6. 2021 ******* owed me credits from not having proper service while with them, so they credit that to me plus the one month that they charged me in advance and I wasn't with them.. Which would bring me a $0 balance.. I refuse to pay anything that I don't owe to anyone.. And this whole reply back from AFNI is incorrect.. If you all read over what they replied back with it don't make sense.. ******* don't let NO ONE go that long with a balance without disconnecting their services... I was the one that changed my service because they went into my account without my approval.. I have emails from them trying to apologize for the money being taken out of my bank account  and if I have to take AFNI to court I will do so, because I refuse to go through this with them... BBB can go back and look at the report that I filed back in Nov 2021 against *******  . Also the credit bureau removed this off my report from ******* because they wasn't telling the truth about it.. I have that report from the credit bureau when it was deleted off my report as well.. So they went to this company to have it listed back on.. I'm also filing through the credit reporting agency letting them know that ******* got another company to put this account back on my credit report after they have removed it. 

      Business Response

      Date: 08/24/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On June 10,
      2022, ******* forwarded the subject account, ******* account #:  ****************, Afni, Inc. account #:  *********-**, with Afni for collections on
      the balance of $372.80.
      The account is for services established on January 10, 2019,
      until ******* considered the account delinquent on September 19, 2021.  The service address associated with the
      account is **** ******** ***** **** *********** ** *****, which is the same
      address the consumer listed on this complaint.  Afni mailed the initial notice of the account on or about June 15, 2022.
      On June 16, 2022, an Afni representative spoke to the consumer who requested no
      more phone calls, and the call then became disconnected.  On August 14, 2022, Afni furnished the credit
      reporting agencies with notice of the account.  On August 21, 2022, Afni received a dispute from the credit reporting
      agencies, reviewed all relevant information, and responded appropriately.
      On August 24, 2022, Afni received this complaint.  In response, Afni ceased communication and
      initiated an investigation.   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.  Afni mailed the initial notice on or about
      June 15, 2022, to the same address the consumer listed on this complaint, with
      no notice of returned mail.  Furthermore,
      the consumer spoke to an Afni representative on June 16, 2022, and after the
      Afni representative verified they were speaking to the correct party, Ms. Dean
      requested no more phone calls, then the call became disconnected. Afni has no
      knowledge of any other disputes through the credit reporting agencies or other
      complaints that may have been filed in the past. Afni has no knowledge of the
      details of the discussions between the consumer and *******.  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      .  Afni has made a business decision to cease
      collections and return the subject account to *******.  Further inquiries regarding the account
      should be directed to *******

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