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Business Profile

Collections Agencies

Afni, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

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

Find a Location

Afni, Inc. has 9 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Please enter a valid location.

    • Afni, Inc.

      1310 Martin Luther King Dr Bloomington, IL 61701-1465

    • Afni, Inc.

      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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:09/25/2023

      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 ******. I do not have a contract with AFNI, they did not provide me with the original contract as I requested.

      Customer Answer

      Date: 09/26/2023

      This debt is not owed by me an previously removed from my credit from another company. I believe this information was sold to AFNI.  This false debt was removed from my credit by 2 of the three major credit bureau but remains on one of my credit reports which I am demanding be removed. I do not have a contract with afni. I asked for the original contract which has not been made available to me. I asked that they stop trying to pursue this debt with me to no avail. I related this information to afni via phone call placed by them. 

      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 August
      29, 2022, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $1,111.93.
      The account is for services established on February 26, 2005,
      until ****** considered the account delinquent on November 2, 2019.  Afni mailed the initial notice of the account
      on or about September 3, 2022.  On October
      16, 2022, Afni furnished the credit reporting agencies with notice of the
      account.  On September 17, 2023, Afni
      made the business decision to request the credit reporting agencies to remove
      the account from the consumer’s credit report. 
      On September 27, 2023, Afni received this complaint.  This was Afni’s first contact with the
      consumer.  In response, Afni ceased
      communication and initiated an investigation. To address the consumer’s concerns,
      the subject account has not been purchased by Afni.  Afni received the account from ****** and
      acts as an agent on behalf of ******; therefore, the consumer would not have a
      contract with Afni.  Additionally, 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 has no knowledge of what another company may have done regarding this
      account or regarding any prior credit reporting.  Afni has had no contact with the consumer as
      this complaint is the first notification Afni has received regarding a
      potential dispute on this account. 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 ***** ********.   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 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: 10/02/2023

      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:09/25/2023

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

      Customer Answer

      Date: 09/25/2023

      I have send out two different letters and answers. I have had for proof of this bill and contract with this company. 

      Business Response

      Date: 09/26/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On April 26,
      2023, **** forwarded the subject account, ******* account #:  *********, Afni, Inc. account #: *********-01,
      with Afni for collections on the balance of $320.25.
      In response, Afni ceased communication and initiated an
      investigation.  To address the consumer’s
      concerns, Afni has confirmed that the consumer does 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.  On September 17, 2023, Afni sent a request to
      the credit reporting agencies to remove the account from the consumer’s credit
      report.  Please be aware that it can take
      the credit reporting agencies anywhere from 0 to 60 days to update consumer
      credit reports.  Afni has no control over
      how quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account
      is not due and owing, simply that Afni will no longer furnish the account to
      the credit reporting agencies.  Afni
      trusts this response has addressed the consumer’s concerns, but if questions
      remain, or if they would like to discuss the account, they may contact a Consumer
      Relations Specialist at ***** *********

    • Initial Complaint

      Date:09/08/2023

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

      Customer Answer

      Date: 09/08/2023

      Yes. I've reached out to the company and I requested that this be removed and there has been no communication on there end

      Business Response

      Date: 09/15/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On January
      20, 2020, **** forwarded the subject account, **** account #: *********,
      Afni, Inc. account #:  *********-01, with
      Afni for collections on the balance of $215.44.

      In response, Afni ceased communication and initiated an
      investigation. To address the consumer’s concerns, Afni has confirmed that the consumer does
      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.  Afni has sent a request to the credit
      reporting agencies to remove the account from the consumer’s credit
      report.  Please be aware that it can take
      the credit reporting agencies anywhere from 0 to 60 days to update consumer
      credit reports.  Afni has no control over
      how quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account
      is not due and owing, simply that Afni will no longer furnish the account to
      the credit reporting agencies.  Afni
      trusts this response has addressed the consumer’s concerns, but if questions
      remain, or if they would like to discuss the account, they may contact a Consumer
      Relations Specialist at ***** *********

      Customer Answer

      Date: 09/20/2023

       I am rejecting this response because: I have not had an account with **** hence me asking for this account to be deleted. 



      Business Response

      Date: 09/21/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On January
      20, 2020, **** forwarded the subject account, **** ******* account
      #:  *********, Afni, Inc. account #: *********-01,
      with Afni for collections on the balance of $215.44.
      The account is for services established on July 1, 2014,
      until **** considered the account delinquent on February 6, 2022.  The service address associated with the
      account is ***** ****** ***** ****** ******** ** *****.  Afni mailed the initial notice of the account
      on or about February 12, 2020.  On May
      10, 2020, Afni furnished the credit reporting agencies with notice of the
      account.  On June 24, 2020, the consumer
      spoke with an Afni representative regarding this account and stated that they
      believed this account was already taken care of.  On February 2, 2022, Afni sent a request to
      the credit reporting agencies to remove the account from the consumer’s credit
      report. 
      On September 21, 2023, Afni received this complaint. In
      response, Afni ceased communication and initiated an investigation. To address
      the consumer’s concern, the account was updated as potential identity theft as the
      consumer denied knowledge of any service with ****.  A fraud packet is attached for the consumer’s
      completion, or the consumer may go to *************************.  Afni encourages the consumer to return the
      Fraud Affidavit within 21 days to **** for investigation.  The completed affidavit to **** at fax
      number ***** ******** or mailed to **** *******/******** ***** ** ******** ******* **** *** **** *********** ** *****. Placing a fraud alert with the
      credit reporting agencies is a suggestion and not required to investigate a
      fraud claim.  The consumer may also
      contact ****'s Fraud Department at ***** ******** if they have any
      questions regarding the fraud process. Again, Afni sent a request to the credit
      reporting agencies to remove the account from the consumer’s credit
      report.  Afni trusts this response has
      addressed the consumer’s concerns, but if questions remain, or if they would
      like to discuss the account, they may contact a Consumer Relations Specialist
      at ***** *********

      Customer Answer

      Date: 09/22/2023

       I am rejecting this response because:


      This needs to be removed from my credit report 

    • Initial Complaint

      Date:09/07/2023

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

      Customer Answer

      Date: 09/08/2023

      Hello, yes I’ve corresponded with the creditor multiple times via phone call and expressed my request after being harassed. 

      Business Response

      Date: 09/15/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On September
      19, 2022, ****** forwarded the subject account, ****** account #: *********,
      Afni, Inc. account #:  ************, with
      Afni for collections on the balance of $ 1,172.39.

      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.  Afni has provided bill copies
      for the consumer's reference.  To address
      the consumer’s concerns, 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 has sent a request to the credit
      reporting agencies to remove the account from the consumer’s credit
      report.  Please be aware that it can take
      the credit reporting agencies anywhere from 0 to 60 days to update consumer
      credit reports.  Afni has no control over
      how quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account
      is not due and owing, simply that Afni will no longer furnish the account to
      the credit reporting agencies.  Afni
      trusts this response has addressed the consumer’s concerns, but if questions
      remain, or if they would like to discuss the account, they may contact a Consumer
      Relations Specialist at ***** *********

    • Initial Complaint

      Date:08/23/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not aware of this account. I have reached out to 3 credit bureaus and AFNI INC. to have this account removed from my file and they always say the same excuse, which is no longer acceptable. I have filed an *** complaint because I believed this is an outcome of identity Theft. Regardless of all actions done on my end, there was no action from 3 Bureaus. Thus, I am reaching out to seek assistance to have AFNI INC. that I have no account with them and 3 credit bureaus can simply remove it from my credit.

      Business Response

      Date: 08/23/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On November
      5, 2022, ******** forwarded the subject account, ******** account #:  *********, Afni, Inc. account #: ********* -01,
      with Afni for collections on the balance of $1,552.28.
      The account is for services established on July 27, 2019,
      until ******** considered the account delinquent on August 20, 2020.  The billing address associated with the
      account is **** ******** **** ****** ************* ** *****.  Afni mailed the initial notice of the account
      on November 10, 2022.  On December 25,
      2022, Afni furnished the credit reporting agencies with notice of the account.
      On August 23, 2023, 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 is not in receipt of any dispute from the credit reporting agencies, as
      this complaint is the first notification Afni has received from the consumer
      regarding their claims of identity theft. 
      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 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:08/21/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      AFNI c/o ******* has placed a collections on my credit and I have never has *******. I have lived at my address since 2012 and ******* does not even service this area. I have contact ******* on multiple occasions to get this resolved with no help. They placed this account on my credit file for $477 and I have NEVER had *******.

      Business Response

      Date: 08/22/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On March 30,
      2023, ******* forwarded the subject account, ******* account #:  ****************, Afni, Inc. account #: *********-01,
      with Afni for collections on the balance of $477.03.
      The account is for services established on January 1, 2019,
      until ******* considered the account delinquent on May 26, 2019.  The service address associated with the
      account is **** ***** **** ****** ********* ** *****.  Afni mailed the initial notice of the account
      on April 1, 2023.  On July 23, 2023, Afni
      furnished the credit reporting agencies with notice of the account. On July 31,
      2023, Afni received a dispute from the credit reporting agencies, reviewed all
      relevant information, and responded appropriately. On August 13, 2023, Afni
      made the business decision to request the credit reporting agencies to remove
      the account from the consumer’s credit report.
      On August 22, 2023, 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, when a consumer
      submits a dispute through the credit reporting agencies, Afni responds directly
      to the credit reporting agencies. The account was updated as potential identity
      theft as the consumer denied knowledge of any service with Comcast.  Afni encourages the consumer to visit
      ********* 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 ********* ******** ***** ********** ** ***** ******** if they believe the account is not theirs or feels
      this is a case of identity theft.  Again,
      Afni sent a request to the credit reporting agencies to remove the account from
      the consumer’s credit report on August 13, 2023.  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:08/20/2023

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

      Business Response

      Date: 08/21/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On June 13,
      2022, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $428.85.
      In response, Afni ceased communication and initiated an
      investigation. To address the consumer’s concerns, 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 ***** *********

    • Initial Complaint

      Date:08/19/2023

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

      Business Response

      Date: 08/21/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On October
      6, 2022, ******** forwarded the subject account, ******** account #:*********,
      Afni, Inc. account #:  ********* -01,
      with Afni for collections on the balance of $1,189.64.
      In response, Afni ceased communication and initiated an
      investigation. To address the consumer’s concerns, 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 ***** *********

    • Initial Complaint

      Date:08/18/2023

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

      Business Response

      Date: 08/18/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On June 5,
      2023, **** forwarded the subject account, **** Mobility account #:  ************, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $1,109.17.
      In response, Afni ceased communication and initiated an
      investigation.  To address the consumer’s
      concerns, Afni has confirmed that the consumer does 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. Afni will send a
      request to the credit reporting agencies to remove the account from the
      consumer’s credit report.  Please be
      aware that it can take the credit reporting agencies anywhere from 0 to 60 days
      to update consumer credit reports.  Afni
      has no control over how quickly the credit reporting agencies update consumer
      credit reports.  However, this does not
      mean that the account is not due and owing, simply that Afni will no longer
      furnish the account to the credit reporting agencies. 
      Afni trusts this response has addressed the consumer’s concerns, but if
      questions remain, or if they would like to discuss the account, they may
      contact a Consumer Relations Specialist at ***** *********

      Customer Answer

      Date: 08/23/2023

       I am rejecting this response because:


      I never signed a contract with this company. They have never shown me proof of any contract I have signed

      Business Response

      Date: 08/24/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On June 5,
      2023, **** forwarded the subject account, **** Mobility account #:  ************, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $1,109.17.
      In response, Afni ceased communication and initiated an
      investigation.  To address the consumer’s
      concerns, Afni has confirmed that the consumer does have an ****
      account that was placed with Afni.  As previously address in the prior
      complaint response, the subject account has not been purchased by Afni.  Afni received the account from **** and
      acts as an agent on behalf of ****; therefore, the consumer would not have
      a contract with Afni. Additionally, a signed contract is not always required to
      initiate **** services, as orders for services can be taken over the phone
      or via the internet, which are considered verbal and electronic signatures,
      respectively.       On August 20, 2023, Afni sent a request to the
      credit reporting agencies to remove the account from the consumer’s credit
      report.  Please be aware that it can take
      the credit reporting agencies anywhere from 0 to 60 days to update consumer
      credit reports.  Afni has no control over
      how quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account
      is not due and owing, simply that Afni will no longer furnish the account to
      the credit reporting agencies.  Afni
      trusts this response has addressed the consumer’s concerns, but if questions
      remain, or if they would like to discuss the account, they may contact a Consumer
      Relations Specialist at (**** *********

    • Initial Complaint

      Date:08/17/2023

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

      Business Response

      Date: 08/18/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On February
      27, 2023, ******* forwarded the subject account, ******* account #:  ****************, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $217.23.
      In response, Afni ceased communication and initiated an
      investigation.  To address the consumer’s
      concerns, Afni has confirmed that the consumer does have an account 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 ***** *********

    Afni, Inc. is NOT a BBB Accredited Business.

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