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.

  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

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:02/29/2024

  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 collections hired a fake process server( I did extensive research) which used illegal tactics in validating my phone number on Feb. 28, 2024. The next day Feb. 29, 2024, Afni, who had only contacted me by US mail about a debt that is 8 years old and past statute of limitations. Afni used a fake process server to phish my phone number by saying can I come to your home to serve you a lawsuit, will you be home? I denied my name, Afni now will be calling me every day. The number the fake process server used to call me is ************, if you press 1 before the message ends, the phone goes to voicemail or it cuts off.. There is no process server with that phone number in Dayton, Ohio, it is a scam and phish scam so Afni could get my phone number.. Googling this scam provides exactly what I described here. Before today, because I changed my number I had no collection agencies calling me. Afni called me on 2/29/24 from ************. I hung up on them. I am asking no further contact by us mail, email, text or phone call from Afni.

  Business Response

  Date: 03/05/2024

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  The subject account,
  ***** **** **** credit card account #:  *******,
  Afni, Inc. account #:  ************, was purchased
  by Afni for collections on 11/03/2020 on the balance of $3,949.53.
  The account is for services established on December 19, 2006.
  The billing address associated with the account was ** *** ******* ****** *** **********. Afni mailed the initial notice of the account with a balance of $3,949.53
  on February 18, 2021.

  
  On March 1,2024, Afni received this complaint.  In response, Afni ceased communication and
  initiated an investigation.  The only prior
  contact Afni with the consumer was on February 29, 2024. During the verbal
  contact, ******* ****** disconnected the call after the Afni employee identified
  Afni as a collection agency and explained what debt we were attempting to
  discuss.  To address the consumer’s
  concern, the ***** **** **** credit card was established under the name ******* ****** and last four of
  the social security number ****. The remaining balance on the account is $3,949.53.
  Afni did not hire a process server to contact ******* ******. Afni has removed
  ******* ******** number from the account and will cease communication per his
  request. 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 Afni at (**** ********.

  Customer Answer

  Date: 03/05/2024

   I am rejecting this response because:
  
  
  The debt is more than 7 years old. If Afni continues to contact me about the debt or pursues court action, I will counter sue for triple the amount of the expired debt. Afni has hundreds of complaints lodged against them at the consumer protection bureau and used illegal means to attain my phone number to harass me about a debt they admit is expired and outside the statute of limitations. Afni knows this but continues to send multiple letters to me at my current address which they have on file, which is not the address they listed, which I dispose of. This is a warning to Afni to cease all communication and if they go to court, they will be counter sued for triple the amount of the expired debt. Debt is past the statute of limitations! Afni admits this in their response! Afni harasses people like me every day! 

  Business Response

  Date: 03/08/2024

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  The subject account,
  ***** **** **** credit card account #:  *******,
  Afni, Inc. account #:  ************, was purchased
  by Afni for collections on 11/03/2020 on the balance of $3,949.53. The account is for services established on December 19, 2006.
  The billing address associated with the account was ** *** ******* ****** *** **********.Afni mailed the initial notice of the account with a balance of $3,949.53
  on February 18, 2021.

  On March 8,2024, Afni received this complaint response
  rejection.  In response, Afni initiated an investigation.  As
  previously stated, the only prior contact Afni with the consumer was on February
  29, 2024. During the verbal contact, ******* ****** disconnected the call after
  the Afni employee identified Afni as a collection agency and explained what
  debt we were attempting to discuss.  To
  address the consumer’s concern, Afni has removed ******* ******** number from
  the account and has ceased communication per his request. In addition, Afni is
  in agreement that the account was established more than 7 years ago on December 19, 2006. The date
  of first delinquency was 06/22/2016. The statute of limitations limits the amount
  of time to file a lawsuit on the debt. Afni has not and does not intend to file
  a lawsuit in the attempt to collect this debt. 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 Afni at ***** ********.

  Customer Answer

  Date: 03/11/2024

  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 provided they do not ever contact me about this account and any other expired account they may have or will have in the future. No mail, text, emails, calls.. on any expired account they may have and they have multiple accounts that are expired. 

• Initial Complaint

  Date:02/09/2024

  Type:Customer Service 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 keep getting harassing letters from this company. The letters are pertaining to a lady/felon name ******** ****** that filed a fictitious fraudulent claim against insurance company ******** ****** *********. She used my name to collect a claim telling them I damaged her car. I told them repeatedly I had nothing to do with her car damage and they keep sending me bills for her damage. She lied about it to te police to get a check from her insurance company. This company will not stop harassing me and I need this to stop or else I am filing a lawsuit against everyone involved in this fraud. The file number is *********. I am planning on filing a false claim report and a restraining order against this woman.

  Business Response

  Date: 02/12/2024

  This is in response to your CFPB inquiry.  Afni appreciates the opportunity to respond to the claimant’s concerns.  On November 06, 2023, ******** ****** ***** Insurance forwarded the subject account, ******** ****** ***** Insurance account #: *************, Afni, Inc. account #: *********-04, with Afni for resolution on the balance of $243.00. The account is from an incident which occurred on October 31, 2022, involving a vehicle that was listed as belonging to ******** ******; a **** Hyundai with license plate: *******. The address provided by ******** ****** ***** Insurance for ****** ******** ** *** * ******** ***** ******** *** *****. Afni mailed the initial notice of the account on or about November 7, 2023.  

  
  On February 9, 2024, 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 ****** ******** and ******** ****** ***** Insurance is pursuing ****** ******** as she was identified as the suspect on the police report filed for the damage to the vehicle. ****** ******** was found to be responsible for the accident based on the investigation completed by ******** ****** ***** Insurance and the police report. On February 9, 2024, Afni spoke to ****** ********, this was Afni’s first contact with her. Afni was informed that ****** ******** disputes involvement with the incident that resulted in the damage to the vehicle. Based upon the discussion, Afni closed the account internally and directed ****** ******** to contact ******** ****** ***** Insurance.  Afni trusts that this response has addressed all of the claimant’s concerns, but if questions remain, or if ****** ******** would like to discuss the ******** ****** ***** Insurance account further, she may contact an Uninsured Motorist representative at ***** ********. 

• Initial Complaint

  Date:01/16/2024

  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.

  On February 26, 2001, I entered into an agreement with Afni. A debt collection agency for my ****** Account #*********. The account was paid in full in 5 months. After reaching out to them today, January 16, 2024 to ask why they are not reporting this account was paid in full, they stated that they could not find any information with my credentials. I would like to file a formal complaint on AFNI for not keeping records of my payment. This has resulted in distress to my mental health. I am looking for documentation from AFNI to show this has been resolved.

  Business Response

  Date: 01/17/2024

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  The subject account,
  ****** account #:  *********, Afni, Inc.
  account #:  *********-01, was placed with
  Afni for collections on 01/21/2021 on the balance of $4356.11. The account was closed
  as settled in full on 08/06/2021.

  
  On January 16, 2024, Afni received this complaint.  In response, Afni initiated an
  investigation.   To address the consumer’s concern, Afni archived the account on
  12/09/2023 per Afni's data retention process.  On January 16, 2024 the Afni agent attempted
  to locate the account in Afni’s agent facing account management system, however,
  was unable to view the account due to the archived status.  Afni confirms that the account was settled in
  full. Afni has communicated the settled in full status with the original
  creditor Sprint. 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 Afni at (**** *********

  Customer Answer

  Date: 01/23/2024

   I am rejecting this response because:
  I would like a letter sent to my address stating the account was settled in full. 
  
  

  Business Response

  Date: 01/29/2024

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  As previously stated, the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, was placed with Afni for collections on 01/21/2021. The account was closed as settled in full on 08/06/2021. On January 23, 2024, Afni received this complaint response rejection. To address the consumer’s concern, Afni attached a settled in full receipt on the archived account.  Afni confirms that the account was settled in full. Afni has communicated the settled in full status with the original creditor Sprint. 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 Afni at ***** ********* 

• Initial Complaint

  Date:01/10/2024

  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 was called for the very first time by this company today. I missed the call, so they immediately called my husband (how they got his phone number, I have no idea) and would not tell him why they were calling. I called back and was told I owe ******* almost $800, which is inaccurate because I cancelled my ******* service almost 4 years ago, and was in good standing when I cancelled. I don't owe ******* a dime, and if they're claiming I do, then we have bigger issues and I'll be speaking to an attorney. I told the person on the phone that the debt was inaccurate, she kept talking over me, and was rude to my husband, so I pretty quickly told her not to call me or my husband again, and which point she ended the call. This company (Afni) has been flagged on MULTIPLE consumer websites AS A SCAM, and has also been reviewed as being unprofessional, harassing people, etc.

  Business Response

  Date: 01/16/2024

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  The subject account , ******* account #:  ****************, Afni, Inc. account #:  *********-01, was placed with Afni for collections on 01/31/2023 on the balance of $763.84.  The account is for services established on October 01, 2019, until ******* considered the account delinquent on January 18, 2020. The billing address associated with the account is ***** ******** *** ************ *** *****. Afni mailed the initial notice of the account with a balance of $763.84 on April 3, 2023.  

  On January 10, 2024, Afni received this complaint.  In response, Afni ceased communication and initiated an investigation.  To address the consumer’s concern, the ******* account was established under the name ***** ************ and last four of the social security number ****. The remaining balance on the account is $913.84 which includes equipment charges of $150.00. Afni does not collect on equipment charges. The remaining service charges of $763.84 match the balance placed with Afni. Afni has attached a copy of the final bill to the complaint response. Additionally, Afni reviewed two verbal communications that occurred on January 08,2024 and provided agent feedback. 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 Afni at ***** ********. 

  Customer Answer

  Date: 01/16/2024

   I am rejecting this response because:
  
  
  It's been 5 years, I'm not paying them a ******* dime.

• Initial Complaint

  Date:12/07/2023

  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 being harassed by this company they are calling me non stop and sending letters to my family men address threatening me in different forms. I have continuously informed them to cease all communication with me they blatantly ignore my request and conduct harassment. This morning I received a call from a employee named **** ******** he used threatening language over the phone after I instructed him I have no knowledge of what he is referring to and he also provided me with someone else address which clearly was not associated with me. He then proceeded to tell me we can do this the easy way or hard way. That type of language is unacceptable he called me at my home threatening me if I don’t comply to his demands he will make things hard for me I am around my children when he mentioned this to me they are in fear now thinking something is going to happen to me and them. I am on edge currently due to this. I am requesting this company or Mr **** ******** cease from contacting me any further I am not aware of any contact or agreement with them I have never done business with this company this is my first time hearing this company Afni name.

  Business Response

  Date: 12/14/2023

  This is in response to your CFPB inquiry. Afni appreciates the opportunity to respond to the claimant’s concerns. On May 22, 2023, **** ****** ******* forwarded the subject account, **** ****** ******* account #: *************, Afni, Inc. account #: ************, with Afni for resolution of the balance.
  The account is from an accident which occurred on April 4, 2023, involving a vehicle that was listed as belonging to the claimant, ***** ***** ******; a 2022/LAMBORGHINI/URUS 4D 4WD. The address provided by **** ****** ******* for Mr. ****** is ** ********* **** ***** ********** **. Afni spoke to claimant on June 9, 2023, who disputed involvement. The June 9, 2023 contact was the only contact Afni had with the claimant. During this contact, Afni verified Mr. ****** middle name off police report and that he has family that still lives at the address of ** ********* **** ***** ********** **. On November 21, 2023, **** ****** ******* requested Afni to cease collection activities and return the account. Afni has not and will not furnish the subject account to the credit reporting agencies.
  On December 7, 2023, Afni received this complaint. In response, Afni initiated an investigation. To address the claimant’s concerns, this is a tort, or wrongful act. There were no services provided to ***** ***** ****** and **** ****** ******* is pursuing ***** ***** ****** as he was the driver of the vehicle that struck **** ****** *******’s insured and was found to be responsible for the accident based on the investigation completed by **** ****** *******. Mr. ****** was traveling southbound on ***** ********** ****** and rear-ended **** ****** *******’s insured. **** ****** ******* has completed their investigation and has found that Mr. ****** was at fault for the accident and is listed as the driver. Afni has confirmed that on the date of loss there was not valid insurance to cover the damages that **** ****** ******* had to pay out to make their insured whole again. Additionally, Afni doesn’t have an employee named **** ********. Afni is no longer the subrogation agency handling the subject account. Further inquiries regarding the account should be directed to **** ****** *******.

• Initial Complaint

  Date:12/06/2023

  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.

  *** ***** service say that I owe them for ****** service. I filed a chapter 7 bankruptcy and my lawyers sent case number to ***. I needed another line and was told that I cannot get service because I owe them thousands of dollars. I was given the number to Afni and gave them the case number and I was told that I didn't have a case. I called *** and asked for the number to the bankruptcy department and the number I was given was constantly busy. I feel as is *** is picking on me. Both companies are telling me to call the other, no-one is assisting with resolving the issue.

  Business Response

  Date: 12/12/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On November
  23, 2022, **** ******** forwarded the subject
  account, **** ******** account #: ************, Afni, Inc. account #: *********-01,
  with Afni for collections on the balance of $730.00.
  The account is for services established on August 31, 2020,
  until **** ******** considered the account delinquent and written off to
  collections on May 26, 2021.  Afni mailed
  the initial notice of the account on November 25, 2022.  On December 6, 2023, Afni received this
  complaint.  This was Afni’s first contact
  with the consumer.  In response, Afni
  ceased communication and initiated an investigation.  Per Afni’s investigation, it was determined
  that on August 21, 2023, **** *******y requested Afni to cease collections and return the account. During the
  time the account was placed with Afni, no notification of bankruptcy was
  received. Afni is no longer the collection agency handling the subject account.
  Further inquiries regarding the account should be directed to **** ********
  client. Afni trusts this response has addressed the consumer’s concerns,
  but if questions remain regarding this response, they may contact Afni at ***** *********

• Initial Complaint

  Date:10/10/2023

  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.

  I am not liable for this debt with AFNI, Inc. I do not have a contract with AFNI, Inc. They did not provide me with the original contract as requested.

  Business Response

  Date: 10/12/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On August 5,
  2022, ******* forwarded the subject account, ******* account #: ****************,
  Afni, Inc. account #: *********-01, with Afni for collections on the balance of
  $534.53. On October 11, 2023, Afni received a dispute from the credit reporting
  agencies, reviewing all relevant information, will respond appropriately.
  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 has confirmed that the consumer does have a *******
  account that was placed with Afni. However, the subject account has not
  been purchased by Afni.  Afni received
  the account from ******* and acts as an agent on behalf of *******; therefore,
  the consumer would not have a contract with Afni. Additionally, a signed
  contract is not always required to initiate ******* services, as orders for
  services can be taken over the phone or via the internet, which are considered
  verbal and electronic signatures, respectively.  Afni will send a request to the credit
  reporting agencies to remove the account from the consumer’s credit
  report.  Please be aware that it can take
  the credit reporting agencies anywhere from 0 to 60 days to update consumer
  credit reports.  Afni has no control over
  how quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account
  is not due and owing, simply that Afni will no longer furnish the account to
  the credit reporting agencies.  Afni
  trusts this response has addressed the consumer’s concerns, but if questions
  remain, or if they would like to discuss the account, they may contact a Consumer
  Relations Specialist at (**** ********.

  Customer Answer

  Date: 10/17/2023

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

• Initial Complaint

  Date:10/06/2023

  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.

  I am not liable for this debt with ********, I do not have contract with AFNI, INC, they did not provide me with the original contract as requested.

  Business Response

  Date: 10/09/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On May 28,
  2023, ******** forwarded the subject account, ******** account #:  *********, Afni, Inc. account #: *********-01,
  with Afni for collections on the balance of $2,608.24. On October 7, 2023, Afni
  received a dispute from the credit reporting agencies, reviewed all relevant
  information, and will respond appropriately.
  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 has confirmed that the consumer does have a ******** account
  that was placed with Afni. However, the subject account has not been
  purchased by Afni.  Afni received the
  account from ******** and acts as an agent on behalf of ********; therefore,
  the consumer would not have a contract with Afni. Additionally, a signed
  contract is not always required to initiate ******** services, as orders for
  services can be taken over the phone or via the internet, which are considered
  verbal and electronic signatures, respectively.  Afni will send a request to the credit
  reporting agencies to remove the account from the consumer’s credit
  report.  Please be aware that it can take
  the credit reporting agencies anywhere from 0 to 60 days to update consumer
  credit reports.  Afni has no control over
  how quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account
  is not due and owing, simply that Afni will no longer furnish the account to
  the credit reporting agencies.  Afni
  trusts this response has addressed the consumer’s concerns, but if questions
  remain, or if they would like to discuss the account, they may contact a Consumer
  Relations Specialist at ***** ********.

  Customer Answer

  Date: 10/15/2023

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

• Initial Complaint

  Date:10/02/2023

  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.

  Afni had reached out to stating I owe $6000 I payed them down to $1000 because the threatened my license. I have asked for receipts each time and never received a single one! They have now added fees to my case that were not discussed with me! I called today to ask for a extension and a man started yelling at me. I tried to talk and his voice got louder screaming at me , "did you hear what I said " I asked for a manager. He refused so I hung up. I'm a dv survivor and the way this man acts screams violence. No thanks, so I called back 30 mins on hold had to hang up again. I believe I have paid off the entire bill and even more than what was owed and I cannot get any answers or a single receipt! I want this squashed!

  Business Response

  Date: 10/04/2023

  This is in response to your BBB inquiry. Afni appreciates
  the opportunity to respond to the claimant’s concerns. On July 14, 2020, Country
  Financial forwarded the subject account, ******* ********* account #: ***********,
  Afni, Inc. account #: ********* -04, with Afni for resolution on the balance of
  $6,890.76. On July 15, 2020, received an adjustment on the account of $1,042.58,
  making the new balance owed 5,848.18.
  The claim is from an accident which occurred on April 16,
  2020, involving a vehicle that was listed as driven by the claimant, ******* ***************; 2003 Ford Explorer vin #: ***************** with license
  plate: ********. The address provided by ******* ********* for Ms. *************** is ** *** **** ******** ** *****. Afni has not and will not furnish the subject
  claim to the credit reporting agencies. On June 8, 2022, the claimant spoke
  with an Afni representative and agreed to re-open the file, as the claimant
  made an agreement for $250.00 a month until paid. On June 14, 2022, Afni
  received the first payment of $250.00 and the second payment was on June 30,
  2022. Additionally, on June 30, 2022, Afni received another balance adjustment
  for the balance of $4,568.18 bringing the new balance owed to $10,416.36. The
  claimant then called in on June 28, 2022, and was advised of the installment
  agreement status. Again, the claimant called in on June 29, 2022, requesting a
  status update of the installment agreement. On June 30, 2022, the claimant
  spoke to another Afni representative requesting that the installment agreement
  be sent and was told that it would be escalated. Then again, on July 1, spoke
  to multiple Afni representatives, regarding the status of the installment
  agreement.  Afni mailed the installment
  agreement to the consumer on July 1, 2022. Then on July 5, 2022, another
  adjustment was made to the account for $4,568.18 to bring the new balance owed
  back to $5,348.18. The claimant has made payments on the account bringing the
  balance owed now to $2,098.18. On October 2, 2023, the claimant spoke with an
  Afni representative and explained their situation. The Afni representative
  explained that they were unable to put an extension on the account till tax
  time to restart payments as that would default the installment agreement and
  could result in the suspension of the claimant’s driving privileges. The claimant
  then asked for a supervisor and the call then became disconnected.
  Additionally, the claimant called back in and spoke with another Afni
  representative and was able to work out another arrangement to fit within the claimant’s
  situation for $125.00 a month.
  On October 3, 2023, Afni received this complaint. In
  response, Afni ceased communication and initiated an investigation. To address
  the claimant’s concerns, this is a tort, or wrongful act.  There were no services provided to Ms. ********-******
  and ******* ********* is pursuing Ms. ********-****** as she was the driver of
  the vehicle that struck ******* *********’s insured and was found to be
  responsible for the accident based on the investigation completed by Country
  Financial and the attached police report. Per the attached police report, Vehicle
  2 (******* *********’s insured) was traveling west on ***** **** *********** ****** and Vehicle 1 (Ms. ********-******) collided with Vehicle 2 (*******
  *********** insured) in the intersection of ******* ****** *** *********** ******. Vehicle 1 (Ms. ********-******) received citations for operating an uninsured
  motor vehicle and failure to reduce speed to avoid an accident. ******* ********* has completed their investigation and has found that Ms. ********-******
  was at fault for the accident and the driver listed on the police report. Additionally,
  due to the allegations by the claimant, Afni reviewed the call in
  question.  Afni apologizes for any
  inconvenience this may have caused the consumer and appreciates the opportunity
  to resolve this matter. Additionally, Afni has addressed the situation with the
  representative that the claimant spoke with and apologizes for the negative
  experience that she had. Afni mails the claimant payment reminders of when the
  payment is due or to be withdrawn from the claimants account. However, the
  remaining balance is still considered to be due and owning. As the claimant has
  requested, Afni will no longer contact the claimant about this account. As
  previously noted, the claimant has a payment arrangement set up monthly starting
  on October 31, 2023. Afni trusts that this response has addressed all of the claimant’s
  concerns, but if questions remain, or if Ms. ********-****** would like to
  discuss the ******* ********* account further, she may contact an Uninsured
  Motorist representative at ***** *********

• Initial Complaint

  Date:09/26/2023

  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 dept with ** ** * ********. I don not have a contract with AFNI, they did not provide me with the original contracts I requested.

  Customer Answer

  Date: 09/27/2023

  I have spoken to someone a few times about this collection but I have never received documents.

  Business Response

  Date: 09/27/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On December
  15, 2022, **** forwarded the subject account, **** Mobility account
  #:  ************, Afni, Inc. account #: *********-01,
  with Afni for collections on the balance of $312.93.
  The account is for services established on March 15, 2021,
  until **** considered the account delinquent on April 6, 2021.  Afni mailed the initial notice of the account
  on or about December 17, 2022.  On February
  5, 2023, Afni furnished the credit reporting agencies with notice of the
  account.  On February 15, 2023, the
  consumer spoke with an Afni representative. On September 11, 2023, **** requested
  Afni to cease collections and return the account.  On September 17, 2023, Afni sent a request to
  the credit reporting agencies to remove the account from the consumer’s credit
  report. 
  On September 27, 2023, Afni received this complaint.  In response, Afni ceased communication and
  initiated an investigation.   To address the consumer’s concerns, Afni has
  confirmed that the consumer did have an **** account that was placed with
  Afni. However, 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.  Again, 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 is no longer the
  collection agency handling the subject account. 
  Further inquiries regarding the account should be directed to ****.