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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.

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    • Afni, Inc.

      1310 Martin Luther King Dr Bloomington, IL 61701-1465

    • Afni, Inc.

      404 Brock Dr Bloomington, IL 61701-2654

    • Afni, Inc.

      404 Brock Drive P.O. Box 3097 Bloomington, IL 61702

    • Afni, Inc.

      P.O. Box 3427 Bllomington, IL 61702

    • Afni, Inc.

      P.O. Box 3517 Bloomington, IL 61702-3517

    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:07/26/2022

      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.
      To Whom it may concern,

      This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. ***** **** **** ** ********** ***. $1,199.00

      Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

      Business Response

      Date: 07/26/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On December
      20, 2021, ******* forwarded the subject account* ******* ******* **  ***************** ***** **** ******* **  ************* with Afni for collections on
      the balance of $1,199.83.
      The account is for services established on May 1, 2021,
      until ******* considered the account delinquent on August 16, 2022.  The service address associated with the
      account is **** ***** ******** ******* ********* ** ******** ** *****.  Afni mailed the initial notice of the account
      on or about December 25, 2021.  On February
      20, 2022, Afni furnished the credit reporting agencies with notice of the
      account.  On June 20, 2022, ******* requested
      Afni to cease collections and return the account.  On June 26, 2022, Afni requested to the
      credit reporting agencies to remove the account from the consumer’s credit
      report. 
      On July 26, 2022, Afni received this complaint.  This was Afni’s first contact with the
      consumer.  To address the consumer’s
      concern, this is the first notification Afni received from the consumer
      regarding a dispute on this account.  Afni
      is no longer the collection agency handling the subject account.  Again, Afni sent a request to the credit
      reporting agencies to remove the account from the consumer’s credit report on
      June 26, 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.  Further inquiries regarding the
      account should be directed to *******.

      Customer Answer

      Date: 08/15/2022

      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:$1,199.00

      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 December
      20, 2021, ******* forwarded the subject account, ******* account #:  ****************, Afni, Inc. account #:  ************, with Afni for collections on
      the balance of $1,199.83.
      The account is for services established on May 1, 2021,
      until ******* considered the account delinquent on August 16, 2022.  The service address associated with the
      account is **** ***** ******** ******* ********* ** ******** ** *****.  Afni mailed the initial notice of the account
      on or about December 25, 2021.  On February
      20, 2022, Afni furnished the credit reporting agencies with notice of the
      account.  On June 20, 2022, ******* requested
      Afni to cease collections and return the account.  On June 26, 2022, Afni requested to the
      credit reporting agencies to remove the account from the consumer’s credit
      report. 
      On August 15, 2022, Afni received this complaint.  This was Afni’s first contact with the
      consumer.  To address the consumer’s
      concern, this is the first notification Afni received from the consumer
      regarding a dispute on this account.  Afni
      is no longer the collection agency handling the subject account.  Again, Afni sent a request to the credit
      reporting agencies to remove the account from the consumer’s credit report on
      June 26, 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.        Further inquiries regarding
      the account should be directed to *******.

    • Initial Complaint

      Date:07/25/2022

      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.
      If you are able to review my previous dispute resolutions, you'll find that **** continues year after year to try and collect a debt of $66.74 through various collection agencies for ******* * ********** This debt has been paid off years ago. I have previously submitted the paid receipt to the BBB. Now, another collection agency is calling me over and over every day.

      Business Response

      Date: 08/01/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On July 7,
      2022, AT&T forwarded the subject account, **** ******* ******* **  ********** ***** **** ******* **  ************, with Afni for collections on
      the balance of $66.74.
      The account is for services established on December 1, 2016,
      until AT&T considered the account delinquent on October 18, 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 July 12, 2022.  Afni has not and will not furnish the subject
      account to the credit reporting agencies.
      On July 27, 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’s, Afni is
      unaware of any other disputes or complaints regarding this account, as this
      complaint is the first notification Afni has received from the consumer.  Additionally, Afni only contacts consumers at
      the allowable times and frequency as regulated by state and federal law. 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.  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: 08/02/2022

       I am rejecting this response because:

      Once again **** and their affiliate collection agencies are terrible. As you can see on the attached document and money order Afni doesn't even know the correct account number. On their response they indicated that my account number was *********, which was incorrect. My **** account number before I got rid of this company was *********.  The amount their claiming that I owe $66.74 from 2016 is ridiculous. If you will refer back to the attached document that I submitted, that document reached me after the first payment was received by ****. Worse yet, they expect any reasonable person to retrieve a money order receipt from nearly seven years ago, which is unreasonable.


      Business Response

      Date: 08/03/2022

      T*** ** ** ******** ** **** *** ********  **** *********** *** *********** ** ******* ** *** ********** *********  ** **** ** ***** **** ********* *** ******* ******** **** ******* ******* **  ********** ***** **** ******* **  ************* **** **** *** *********** ** *** ******* ** ******* *** ******* ** *** ******** *********** ** ******** ** ***** ***** **** ********** *** ******* ********** ** ******* *** *****  *** ******* ******* ********** **** *** ******* ** **** **** ***** ****** ******** ** *****, which is the same address
      the consumer listed on this complaint.  Afni
      mailed the initial notice of the account on or about July 12, 2022.  Afni has not and will not furnish the subject
      account to the credit reporting agencies.
      On August 3, 2022, Afni received this complaint.  In response, Afni ceased
      communication and initiated an investigation.   To address the consumer’s concern’s,
      regarding the account number provided in the prior response, AT&T transposes
      the first six numbers for security purposes thus ********* ***** ** **********  **** *** **** *** ******** ******** ** ***** ************** **** *** ******** *** ** ****** ******* ** **** ******** ****** **** *** *** *** **** *** ******* *** ******* ******* ** *** ****** ********* *********  **** ****** **** ******** *** ********* *** ********** ********* *** ** ********* ******* ** ** **** ***** **** ** ******* *** ******** **** *** ******* * ******** ********* ********** ** ***** *********

    • Initial Complaint

      Date:07/19/2022

      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.
      account **********

      this account is in violation under 15 USC 1692g. as i never received a dunning letter in accordance with 12 CFR 1006 model form B-1 which is required to be sent to me within 14 days of the reporting of this account. i know for a fact i never received such letter and if they claim they have sent one then submit the certified mail tracking number so we can verify such proof.
      they are also in violation under 15 USC 1681am as this account is reporting a transaction that was not imitated by the consumer as they have opened this account under my name without my prior consent, which would be unauthorized use under 15 USC 1602p a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. they have used my social security card (CREDIT CARD) to open this account which i have never authorized such use making it in violation of law. they are also reporting as my creditor on my consumer report but according to 12 CFR 1006.2(g) definition of a creditor states that a debt buyer is excluded from being a creditor making this a deceptive form which created false belief that a person other than the alleged original creditor of such consumer is participating in the collection.

      Business Response

      Date: 07/20/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On March 23,
      2021, Comcast forwarded the subject account, ******* ******* **  ***************** ***** **** ******* **  ************, with Afni for collections on
      the balance of $244.23.
      The account is for services established on February 1, 2018,
      until Comcast considered the account delinquent on December 29, 2018.  The service address associated with the
      account is **** ********* **** ******* ****** ** ******  Afni mailed the initial notice of the account
      on or about March 26, 2021.  On May 30,
      2021, Afni furnished the credit reporting agencies with notice of the account.
      On July 19, 2022, Afni received this complaint.  In response, Afni ceased communication and
      initiated an investigation.  To address
      the consumer’s concern, Afni mailed the initial notice on or about March 26,
      2021, with notice of returned mail and did not receive an updated address until
      this complaint was received.  The account
      was updated as potential identity theft as the consumer denied knowledge of any
      service with Comcast.  Afni encourages
      the consumer to visit Comcast's fraud website at
      **************************************, which discusses the process and
      documentation needed for the fraud investigation.  Your claim of fraud will cease all
      collections by Afni on this account.  Additionally, the consumer should contact Comcast's Identity Theft
      Department at ***** ******** if they believe the account is not theirs or feels
      this is a case of identity theft.  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: 07/20/2022

       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:07/19/2022

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

      Business Response

      Date: 07/21/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On July 24,
      2020, ******* ********* *** ******* ******** ******* ******* **  ***************** ***** **** ******* **  ************, with Afni for collections on
      the balance of $76.86.  Please note that
      this is for bundled services and all equipment charges are not included in the
      balance Afni is collecting upon.
      The account is for services established on August 1, 2017,
      until Comcast considered the account delinquent on March 8, 2018.  The service address associated with the
      account is **** ******* ****** ********** ** *****.  Afni mailed the initial notice of the account
      on or about July 27, 2020.  On September
      27, 2020, Afni furnished the credit reporting agencies with notice of the
      account.
      On July 20, 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 Comcast and
      acts as an agent on behalf of Comcast; therefore, the consumer would not have a
      contract with Afni.  Additionally, a signed
      contract is not always required to initiate Comcast 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 has 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 ***** *********

      Customer Answer

      Date: 07/21/2022

       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:07/15/2022

      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 sprint and do not have a contract with AFNI. They do not provide me with the orginial application like I asked.

      Business Response

      Date: 07/19/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On June 5,
      2020, ****** forwarded the subject account, ****** ******* **  ********** ***** **** ******* **  ************* **** **** for collections on
      the balance of $1,232.80.
      The account is for services until ****** considered the
      account delinquent on March 24, 2018.  The billing address associated with the account is *** **** ***** ****** ****** ** *****, which is the same address the consume listed on this complaint.  Afni mailed the initial notice of the account
      on or about June 8, 2020.  On July 26,
      2020, Afni furnished the credit reporting agencies with notice of the account.
      On July 18, 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 has received
      regarding a dispute on this account from the consumer.  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 ******** ********* ********** ** ***** *********

      Customer Answer

      Date: 07/19/2022

       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.

    Afni, Inc. is NOT a BBB Accredited Business.

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