Complaints

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

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• 

  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

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

• Initial Complaint

  Date:08/15/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They represent ** * * (purposely lower cased), who in my opinion as a consumer is one of the biggest scam artists in the world! I sent *** * equipment back to them via UPS two days after receiving it from them because of their **** poor customer service as well as **** poor service. ** * * either never report to AFNI that their equipment was returned and or they or doing what they do best. NOTHING!

  Business Response

  Date: 08/18/2022

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On May 23,
  2022, **** forwarded the subject account, **** U-Verse account #:  *********, Afni, Inc. account #:  *********-01, with Afni for collections on
  the balance of $132.94.
  The account is for services established on April 1, 2020,
  until **** considered the account delinquent on August 1, 2020.  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 May 28, 2022.  On July 10, 2022, Afni furnished the credit
  reporting agencies with notice of the account.
  On August 16, 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, per the attached billing statement the consumer had a past
  due balance of $278.31 and received credit of $145.37 bring the new balance
  owed to $132.94.  As the consumer has
  requested, Afni will no longer contact the consumer about this account.  Afni will send a request to the credit
  reporting agencies to remove the account from the consumer’s credit
  report.  Please be aware that it can take
  the credit reporting agencies anywhere from 0 to 60 days to update consumer
  credit reports.  Afni has no control over
  how quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account
  is not due and owing, simply that Afni will no longer furnish the account to
  the credit reporting agencies.  Afni
  trusts this response has addressed the consumer’s concerns, but if questions
  remain, or if they would like to discuss the account, they may contact a Consumer
  Relations Specialist at ###-###-####.

• Initial Complaint

  Date:08/11/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The basis for my dispute AFNI COLLECTIONS,Mr. ****** ** ******, President/COO,AFNI, INC. ,**********,$817 - was required to notify me prior to 05/27/2022, or no later than 30 days after.
  
  AFNI, INC. failed to notify me about reporting derogatory info. to Equifax, Experian, and Transunion In section 603(p) 15 U.S.C. ss 168s-2(a)(7)(A)(I); “The notice required under subparagraph (A) shall be provided to the customer prior to, or no later than 30 days after 05/27/2022, furnishing the negative derogatory information to a consumer reporting agency described in section 603 (p),’ 15 U.S.C. ss 1681s-2(a)(7)(B)(I). Plus broke commercial law under UCC § 9.5** that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response.
  
  
  Also, AFNI, INC. " failed to give me my "Mini-Miranda" five days prior to placing this derogatory item on all of my credit reports, per Section 807(11) & FDCPA §809, which is $1000 per violation and the state of Texas allows treble damages.
  
  Under § 809. Validations of date and Mini-Mirandi under Section 807(1)AFNI COLLECTIONS,Mr. ****** ** ******, President/COO failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to $2500 and can be enforced by the FTC, and that my state attorney general can also enforce this with a $1000 penalty as well.
  
  I attached a copy of the law and the actual document from the federal reserve
  
  AFNI, INC. is held liable as well for defamation and in the state of Texas a creditor is who collects their on debt is considered a debt collector under FDCPA. Smith v. Heard 980 S.W.2d693(Tex.App-San Antonio 1989 reh.den.) citing Monroe v. Frank 936 S.W.2d 654(Tex.App-Dallas 1996 writ dism'd w.o.j.)
  
  RESOLUTION

  Business Response

  Date: 08/15/2022

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On May 27,
  2022, **** forwarded the subject account, **** Mobility account #:  ************, Afni, Inc. account #:  *********-**, with Afni for collections on
  the balance of $817.28.
  The account is for services established on January 28, 2021,
  until **** considered the account delinquent on July 20, 2021.  The billing phone numbers are ###-###-####,
  ###-###-####, and ###-###-####.  Afni
  mailed the initial notice of the account on or about June 1, 2022.  On July 17, 2022, Afni furnished the credit
  reporting agencies with notice of the account.
  On August 11, 2022, Afni received this complaint.  This was Afni’s first contact with the
  consumer.  In response, Afni ceased
  communication and initiated an investigation.   To address the consumer’s concerns,
  Afni mailed the initial notice on or about June 1, 2022, with no notice of
  returned mail. Additionally, the initial notice contains the mini-miranda.  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 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 **** Mobility Theft of Identity Center, **** *** **** ******** ** ***********  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.  On August 14, 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:08/10/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Company claims that I owe an amount of 284.00 which is not my account. They claim that they sent notification and also investigated but this information is false, being that I don't live at the address that they claimed. They reported the inaccurate info to the credit bureaus which in turn has damaged my credit score.

  Business Response

  Date: 08/11/2022

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On June 6,
  2022, Comcast forwarded the subject account, Comcast account #:  ****************, Afni, Inc. account #:  ************, with Afni for collections on
  the balance of $284.89.
  The account is for services established on August 5, 2017,
  until Comcast considered the account delinquent on August 13, 2021.  The service address associated with the
  account is **** **** ******* **** ****** ** *****.  Afni mailed the initial notice of the account
  on or about June 11, 2022.  On August 7,
  2022, Afni furnished the credit reporting agencies with notice of the account.
  On August 11, 2022, Afni received this complaint.  In response, Afni ceased communication and
  initiated an investigation.  To address
  the consumer’s concerns, Afni has complied with its obligations.  Additionally, this is Afni’s first
  notification from the consumer regarding their claims.  Furthermore, Afni mailed the initial notice on
  or about June 11, 2022, with no notice of returned mail.  The account was updated as potential identity
  theft as the consumer denied knowledge of any service with Comcast.  Afni encourages the consumer to visit
  Comcast's fraud website at https://www.xfinity.com/fraudclaimform, 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 Comcast's Identity Theft
  Department at ###-###-#### if they believe the account is not theirs or feels
  this is a case of identity theft.  Afni
  will send a request to the credit reporting agencies to remove the account from
  the consumer’s credit report.  Please be
  aware that it can take the credit reporting agencies anywhere from 0 to 60 days
  to update consumer credit reports.  Afni
  has no control over how quickly the credit reporting agencies update consumer
  credit reports.  Afni trusts this response
  has addressed the consumer’s concerns, but if questions remain, or if they
  would like to discuss the account, they may contact a Consumer Relations
  Specialist at ###-###-####.

  Customer Answer

  Date: 08/11/2022

  This is an automated message that I have recieved numerous times as a response, again this account is inaccurate info and it needs to be removed,

  Business Response

  Date: 08/12/2022

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On June 6,
  2022, Comcast forwarded the subject account, Comcast account #:  ****************, Afni, Inc. account #:  *********-01, with Afni for collections on
  the balance of $284.89.
  The account is for services established on August 5, 2017,
  until Comcast considered the account delinquent on August 13, 2021.  The service address associated with the
  account is **** **** ******* **** ****** ** *****.  Afni mailed the initial notice of the account
  on or about June 11, 2022.  On August 7,
  2022, Afni furnished the credit reporting agencies with notice of the account.
  On August 12, 2022, Afni received this complaint.  In response, Afni ceased communication and
  initiated an investigation.  To address
  the consumer’s concerns, Afni has complied with its obligations.  Additionally, this is Afni’s first
  notification from the consumer regarding their claims.  Furthermore, Afni mailed the initial notice on
  or about June 11, 2022, with no notice of returned mail.  The account was updated as potential identity
  theft as the consumer denied knowledge of any service with Comcast.  Afni encourages the consumer to visit
  Comcast's fraud website at https://www.xfinity.com/fraudclaimform, 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 Comcast's Identity Theft
  Department at ###-###-#### if they believe the account is not theirs or feels
  this is a case of identity theft.  Afni
  will send a request to the credit reporting agencies to remove the account from
  the consumer’s credit report.  Please be
  aware that it can take the credit reporting agencies anywhere from 0 to 60 days
  to update consumer credit reports.  Afni
  has no control over how quickly the credit reporting agencies update consumer
  credit reports.  Afni trusts this response
  has addressed the consumer’s concerns, but if questions remain, or if they
  would like to discuss the account, they may contact a Consumer Relations
  Specialist at ###-###-####.

• Initial Complaint

  Date:08/10/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have reached out to AFNI. They have failed to provide proof of validation regarding a debt that does not belong to me. They have furnished this alleged debt on my consumer report and have failed to validate the alleged claim pursuant to Sec. 809(b)of the Fair Debt Collection Practices Act and according 609(a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC § 1692 and as amended by adding the following new Title 8 USC § 802 et seq., and the Fair Credit Billing Act, 15 USC. § 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act (TILA) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Consumer reporting agencies, such as, *******, ******** and ********** prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact; if any negative mark is found on any of Claimant consumer reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following:
  Violation of the Fair Credit Reporting Act
  Violation of the Fair Debt Collection Practices Act
  Defamation of Character
  Violation of United States Code TITLE 18 PART 1 CHAPTER 63 § 1341 (Mail Fraud)

  Business Response

  Date: 08/10/2022

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On July 22,
  2022, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, with Afni for collections on
  the balance of $1,805.14.
  The account is for services established on October 5, 2019,
  until ****** considered the account delinquent.  Afni mailed the initial notice of the account on or about July 27, 2022.  Afni has not and will not furnish the subject
  account to the credit reporting agencies. On August 4, 2022, the consumer spoke
  to an Afni representative and state they never had an account with ******.  The Afni representative explained how to
  claim fraud on ******’s website. 
  On August 10, 2022, Afni received this complaint.  In response, Afni ceased communication and
  initiated an investigation.   To address the consumer’s concerns, a signed
  contract is not always required to initiate ****** services, as orders for
  services can be taken over the phone or via the internet, which are considered
  verbal and electronic signatures, respectively.  Additionally, the subject account has not been
  purchased by Afni.  Afni received the
  account from ****** and acts as an agent on behalf of ******; therefore, the
  consumer would not have a contract with Afni.  Furthermore, Afni does not furnish, nor is Afni required to furnish, our
  agreement with ****** granting us the authority to collect on a debt.  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.  Again, Afni has not and will not furnish the
  subject account to the credit reporting agencies.   Afni
  trusts this response has addressed the consumer’s concerns, but if questions
  remain, or if they would like to discuss the account, they may contact a Consumer
  Relations Specialist at ***** *********
  

• Initial Complaint

  Date:08/05/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In 2017 through 2019 I had Comcast Service at **** ******** **** ** ******** ** ****** In November of 2019 I had Comcast Services transferred to **** * *** ** ****** ** ******** *** Instead of transferring my services Comcast open a new account at the new address and left services running at the old address. This was clearly their mistake and in 2021 Afni reported this to my credit. I have never received a notice from Afni. I currently have service with Comcast still. If I had a delinquent bill at the time of the move this would not have been allowed. They also knew my new address and I received nothing by mail from Comcast or Afni. I would like the $203 balance removed from my credit.

  Business Response

  Date: 08/09/2022

  T*** ** ** ******** ** **** *** ********  **** *********** *** *********** ** ******* ** *** ********** *********  ** ******** *** ***** ******* ********* *** ******* ******** ******* ******* **  ***************** ***** **** ******* **  ************* **** **** *** *********** ** *** ******* ** ********
  *** ******* ** *** ******** *********** ** ***** ** ***** ***** ******* ********** *** ******* ********** ** ******* *** *****  *** ******* ******* ********** **** *** ******* ** **** ******** **** ***** ********* ** *****.  Afni mailed the initial notice of the account
  on or about November 15, 2021.  On January
  16, 2022, Afni furnished the credit reporting agencies with notice of the
  account.
  On August 8, 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; t**** *** ******** ** ********** ** *** ******** ** ******* *** ********** ********* ******* ***** **** * *** ******* **** ******** *** ********* ** ** ****** ************* *** *** ******* ********** *** ******** *** ******* * **** *** ******* ** *** ******** **** ****** *** ******* ****** ** ** ***** ******** *** ***** **** ** ****** ** ******** ***** **** **** **** * ******* ** *** ****** ********* ******** ** ****** *** ******* **** *** ********** ****** *******  ****** ** ***** **** ** *** **** *** ****** ********* ******** ******** **** * ** ** **** ** ****** ******** ****** ********  **** *** ** ******* **** *** ******* *** ****** ********* ******** ****** ******** ****** ********  ******** **** **** *** **** **** *** ******* ** *** *** *** ****** ****** **** **** **** ** ****** ******* *** ******* ** *** ****** ********* *********  **** ****** **** ******** *** ********* *** ********** ********* *** ** ********* ******* ** ** **** ***** **** ** ******* *** ******** **** *** ******* * ******** ********* ********** ** ***** *********

  Customer Answer

  Date: 08/09/2022

   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. I will accept removing this from my credit report, and continue to work with Comcast customer dept, Service should have been transferred not opened as a 2nd service at multiple addresses as stated by their own customer service department

• Initial Complaint

  Date:08/05/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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, INC. Account #********** Bal: $2,732.00

  Business Response

  Date: 08/08/2022

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On August
  10, 2020, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  ************, with Afni for collections on
  the balance of $2,732.07.
  The account is for services until ****** considered the
  account delinquent on June 22, 2018.  Afni mailed the initial notice of the account on or about August 13,
  2020.  On June 6, 2021, Afni furnished
  the credit reporting agencies with notice of the account. On July 17, 2022,
  Afni made the business decision to request to the credit reporting agencies to
  remove the account from the consumer’s credit report.
  On August 8, 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 ******.  Afni encourages the consumer to visit
  ******'s fraud website at ********************, which discusses the process and
  documentation needed for the fraud investigation. Placing a fraud alert with
  the credit reporting agencies is a suggestion and not required to investigate a
  fraud claim.  The consumer may also
  contact ****** directly if they have any questions regarding the fraud process
  at ***** *********   Afni sent a request to the credit reporting
  agencies to remove the account from the consumer’s credit report on July 17,
  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:08/04/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion, Equifax, and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.
  
  I understand that the Office of the Attorney normally provides copies of the complaint forms or information regarding complaints to the business complained about and other private and public agencies. I authorize BBB to give copies or any information on the form to anyone deemed advisable.

  Business Response

  Date: 08/04/2022

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On November
  20, 2018, Comcast forwarded the subject account, ******* ******* **  ***************** ***** **** ******* **  ************* **** **** *** *********** ** *** ******* ** ********
  *** ******* ** *** ******** *********** ** **** ** ***** ***** ******* ********** *** ******* ********** ** **** ** *****  *** ******* ******* ********** **** *** ******* ** **** ***** **** ******* ********* ***** ******** ** ******  **** ****** *** ******* ****** ** *** ******* ** ** ***** ******** *** *****  ** ******* *** ***** **** ********* *** ****** ********* ******** **** ****** ** *** ********
  On August 4, 2022, Afni received this complaint.  In response, Afni ceased communication and
  initiated an investigation.  To address
  the consumer’s concerns, the account was updated as potential identity theft as
  the consumer denied knowledge of any service with Comcast.  **** ********** *** ******** ** ***** ********* ***** ******* ** *************************************** ***** ********* *** ******* *** ************* ****** *** *** ***** **************  **** ***** ** ***** **** ***** *** *********** ** **** ** **** ********  ************* *** ******** ****** ******* ********* ******** ***** ********** ** ***** ******** if they believe the account is not theirs or feels
  this is a case of identity theft.  Afni will
  send a request to the credit reporting agencies to remove the account from the
  consumer’s credit report.  Please be
  aware that it can take the credit reporting agencies anywhere from 0 to 60 days
  to update consumer credit reports.  Afni
  has no control over how quickly the credit reporting agencies update consumer
  credit reports.  Afni trusts this
  response has addressed the consumer’s concerns, but if questions remain, or if they
  would like to discuss the account, they may contact a ******** ********* ********** ** ***** *********

• Initial Complaint

  Date:08/03/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a bill from this company. Claiming I owe **** $650.97. That is impossible. I canceled my service on the same day I got another phone co. **** cut my service off one time and it wasn't even due yet. There's no way they would have let the bill accumulate to that amount. This bill is from 2/2021. I would like an explanation of this bill. Thank you for your help.

  Business Response

  Date: 08/04/2022

  **** ** ** ******** ** **** *** ********  **** *********** *** *********** ** ******* ** *** ********** *********  ** **** *** ***** **** ********* *** ******* ******** **** ******* ******* **  ********** ***** **** ******* **  ************* **** **** *** *********** ** *** ******* ** ********
  The account is for services established on March 1, 2018,
  until AT&T considered the account delinquent on November 20, 2020.  The service address associated with the
  account is 1*** ***** ******* ******* ************ ** ****** ***** ** *** **** ******* *** ******** ****** ** **** **********  **** ****** *** ******* ****** ** *** ******* ** ** ***** **** *** *****  **** *** *** *** **** *** ******* *** ******* ******* ** *** ****** ********* *********  ** ****** ** ***** **** ******** *** ********** ******* ***** ****** ** ********
  On August 3, 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
  concern, as the consumer has requested, Afni will no longer contact the
  consumer about this account.  Again, Afni
  has not and will not furnish the subject account to the credit reporting
  agencies. However, this does not mean that the account is not due and owing,
  simply that Afni will not furnish the account to the credit reporting agencies.  **** ****** **** ******** *** ********* *** ********** ********* *** ** ********* ******* ** ** **** ***** **** ** ******* *** ******** **** *** ******* * ******** ********* ********** ** ***** *********

  Customer Answer

  Date: 08/04/2022

   I am rejecting this response because:
  
  
  
  

• Initial Complaint

  Date:08/02/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Sprint and do not have a contract with AFNI. They did not provide me with the original application like I asked.

  Business Response

  Date: 08/03/2022

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  ** ******* *** ***** ****** ********* *** ******* ******** ****** ******* **  ********** ***** **** ******* **  ************* **** **** *** *********** ** *** ******* ** **********
  *** ******* ** *** ******** *********** ** ******** *** ***** ***** ****** ********** *** ******* ********** ** ********* *** *****  *** ******* ******* ********** **** *** ******* ** **** ********* ***** ********* ** ********** ** ******  **** ****** *** ******* ****** ** *** ******* ** ** ***** ******* *** *****  ** ***** ** ****** **** ********* *** ****** ********* ******** **** ****** ** *** ********
  ** ****** ** ***** **** ******** **** **********  **** *** ****** ***** ******* **** *** *********  ** ********* **** ****** ************* *** ********* ** **************   **** *** ******** ****** ** *** ******* ******* ********** ** **** ********* ***** *** ******** ** ********** ** *** ********  ** ******* *** ********** ********* *** ******* ******* *** *** **** ********* ** *****  **** ******** *** ******* **** ****** *** **** ** ** ***** ** ****** ** ******* ********** *** ******** ***** *** **** * ******** **** *****  ************* * ****** ******** ** *** ****** ******** ** ******** ****** ********* ** ****** *** ******** *** ** ***** **** *** ***** ** *** *** ********* ***** *** ********** ****** *** ********** *********** *************  ************ **** ********* ** *** ***** ************ **** *** ******** **** *** ******** ********* * ******* ** **** ******** **** **** **** * ******* ** *** ****** ********* ******** ** ****** *** ******* **** *** ********** ****** *******  ****** ** ***** ***t 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:08/01/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  AFNI Inc. sent me a letter dated 4/30/2022 regarding collecting a balance that they claim I owe in regards to an auto accident. I sent a request for verification letter on 5/19/2022 via certified mail, and have proof of delivery showing it was signed for and delivered on 5/24/2022. Within this letter, I demanded proof of this alleged balance in the form of invoices, receipts, etc and requested that AFNI Inc. only contact me via certified mail. This letter, under my rights of the FDCPA, also demanded that AFNI Inc. ceased all collections efforts until they responded to my verification request. On June 16th, 2022, and July 14th, 2022, I received two more letters from AFNI Inc. demanding payment of this alleged balance. I have also come to find out today that over the last month, AFNI Inc. has been calling and harassing my immediate family members after they have been specifically asked to not call them. AFNI Inc. is clearly disregarding my demands outlined in my request for verification and is in willful violation of the FDCPA. Additional reports are also being made to the FTC as well as the CFPB.

  Business Response

  Date: 08/05/2022

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the claimant’s concerns.   On April 5,
  2022, ********* ********* forwarded the subject account, ********* ********* account
  ** ********** ***** **** ******* ** ******* ***, with Afni for resolution on
  the balance of $1,763.89.
  *** ***** ** **** ** ******** ***** ******** ** ******** *** ***** ********* * ******* **** *** ****** ** ****** ** *** ********* ******* ******** * **** ********** ****** **** ******* ****** ********  *** ******* ******** ** ********* ********* *** *** ******* ** *** ****** ******* ** ******** ** ******  **** ****** *** ******* ****** ** *** ***** ** ** ***** ***** *** *****  **** *** *** *** **** *** ******* *** ******* ***** ** *** ****** ********* *********  ** *** *** ***** **** ******** *** ********* ******* ****** ** ********  ** ****** ** ***** *** ******** ***** **** ** **** ************** *** ****** **** **** *** *** *** *** ******* ** ********* **** *** **** ****** *************
  ** ****** ** ***** **** ******** **** **********  ** ********* **** ****** ************* *** ********* ** **************  ** ******* *** ********** ********* **** ** * ***** ** ******** ****  ***** **** ** ******** ******** ** *** ******* *** ********* ********* ** ******** *** ******* ** ** *** *** ****** ** *** ******* **** ****** ********* ********* ** ******* *** *** ***** ** ** *********** *** *** ******** ***** ** *** ************* ********* ** ********* **********  *** ******* ********** ********* *********** ******* ** **** ***** ******* ********** ***   ********* ********* *** ********* ***** ************* *** *** ***** **** *** ******* *** ** ***** *** *** ******** *** ** ****** ** *** *******  **** *** ********* **** ** *** **** ** **** ***** *** *** ***** ********* ** ***** *** ******* **** ********* ********* *** ** *** *** ** **** ***** ******* ***** ****** ** ********** ****** **** ** * ***** ******** *** *** ***** **** ** ******** ******** ** *** ********  **** ********** *** *** ************* **** *** **** ****** *** ******** *** *********** *** *********** ** ******* **** *******  ** *** ******** *** ********** **** **** ** ****** ******* *** ******** ***** **** ********   **** ****** **** **** ******** *** ********* *** ** *** ********** ********* *** ** ********* ******* ** ** *** ******* ***** **** ** ******* *** ********* ********* ******* ******** ** *** contact an Uninsured Motorist representative at ***** *********

  Customer Answer

  Date: 08/17/2022

   Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 1*******, and find that this resolution is satisfactory to me.

  
  

  Although AFNI Inc.'s information is still inaccurate, especially the particulars of the supposed accident (including incorrect vehicle information, location, etc), and their claim that they only made contact with my immediate family member once - even though I have been shown call history from the same number repeatedly over a month, AFNI did the right thing and dropped their claim against me, as they could not provide verification that the claim and its was legitimate.