Complaints

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

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• 

  Afni, Inc.

  1310 Martin Luther King Dr Bloomington, IL 61701-1465

• 

  Afni, Inc.

  PO Box 3097 Bloomington, IL 61702-3097

• 

  Afni, 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

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:07/27/2023

  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 ** * ********, they did not provide me with the original contract as I requested.

  Business Response

  Date: 08/01/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On May 1,
  2023, **** forwarded the subject account, **** Mobility account #:  ************, Afni, Inc. account #:  ***************, with Afni for collections on
  the balance of $4,639.31.
  The account is for services established on April 9, 2021,
  until **** considered the account delinquent on September 2, 2021.  The billing address associated with the
  account is *** ***** ***** ********** ********* **** ***** ***** ** *****, and
  the phone numbers are ***** ********* ***** ********* ***** ********* ***** ********* *** ***** *********  Afni
  mailed the initial notice of the account on May 3, 2023.  On July 23, 2023, Afni furnished the credit
  reporting agencies with notice of the account.
  On July 27, 2023, 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.  Furthermore, a signed contract is not always
  required to initiate **** services, as orders for services can be taken
  over the phone or via the internet, which are considered verbal and electronic
  signatures, respectively.  On July 30,
  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 ***** *********

  Customer Answer

  Date: 08/01/2023

  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:07/26/2023

  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.

  This company AFNI reported a collection to my ******** credit report without verifiable information, not once did AFNI get in contact with my by telephone or US mail showing an collection account placed under my name and social security. The account collection in question **** Last 4-digits of Creditor Account Number **** was deleted previously. The collection who previously held this account ******** ******** *********** *** deleted the account from all three credit bureaus. I am demanding this account to be deleted immediately

  Business Response

  Date: 07/31/2023

  This is in response to your **** inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On April 4,
  2023, **** forwarded the subject account, **** Mobility account #:  ************, Afni, Inc. account #:  *********-01, with Afni for collections on
  the balance of $1,007.42.
  The account is for services established on December 9, 2019,
  until **** considered the account delinquent on July 1, 2021.  The billing address associated with the
  account is ***** *** ******* ****** ******* ** *****, and the phone numbers are
  ***** ******** *** ***** ********.  Afni
  mailed the initial notice of the account on or about April 6, 2023.  On July 23, 2023, Afni furnished the credit
  reporting agencies with notice of the account.
  On July 26, 2023, Afni received this complaint.  This was Afni’s first contact with the
  consumer.  In response, Afni ceased
  communication and initiated an investigation. 
  Afni has attached copies of the account billing statements to this
  response; these are provided as validation of the account.  To address the consumer’s concerns, Afni has
  complied with its obligations. 
  Additionally, Afni mailed the initial notice on or about April 6, 2023,
  with no notice of returned mail. Afni has no business affiliation with ******** ******** *********** *** and cannot comment on their business practices.  On July 30, 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:07/26/2023

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

  Business Response

  Date: 08/01/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On October
  14, 2021, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, with Afni for collections on
  the balance of $508.00.
  The account is for services established on October 9, 2018,
  until ****** considered the account delinquent on July 7, 2019.  The billing address associated with the
  account is **** ****** ****** ****** ****** ** ******  Afni mailed the initial notice of the account
  on October 17, 2021.  On December 5, 2021,
  Afni furnished the credit reporting agencies with notice of the account. On
  April 7, 2022, the consumer spoke to an Afni representative and set up a
  payment towards the account for a discounted payment offer to close the
  account. However, the payment came back as declined.
  On July 27, 2023, Afni received this complaint. In response,
  Afni ceased communication and initiated an investigation.  Afni has validated the subject account with ******.
  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. On July 30, 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:07/26/2023

  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 a contract with AFNI ,they did not provide me with the original contract as i requested

  Business Response

  Date: 07/28/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On May 22,
  2023, ******** forwarded the subject account, ******** account #:  *********, Afni, Inc. account #:  ********* -01, with Afni for collections on
  the balance of $344.86.
  The account is for services established on January 1, 2017,
  until ******** considered the account delinquent on June 23, 2021.  The billing address associated with the
  account is **** ********* ****** ******** ** ****** which is this same address
  the consumer listed on this complaint.  Afni
  mailed the initial notice of the account on or about May 24, 2023.  On July 23, 2023, Afni furnished the credit
  reporting agencies with notice of the account.
  On July 27, 2023, Afni received this complaint.  This was Afni’s first contact with the
  consumer.  In response, Afni ceased
  communication and initiated an investigation.  Afni has attached copies of the account
  billing statements to this response; these are provided as validation of the
  account.  To address the consumer’s
  concerns, the subject account has not been purchased by Afni.  Afni received the account from ******** and
  acts as an agent on behalf of ********; therefore, the consumer would not have
  a contract with Afni.  Additionally, a signed
  contract is not always required to initiate ******** services, as orders for
  services can be taken over the phone or via the internet, which are considered
  verbal and electronic signatures, respectively. Furthermore, this complaint is
  the first notification Afni received from the consumer regarding a dispute on
  this account.  Afni will send a request
  to the credit reporting agencies to remove the account from the consumer’s
  credit report.  Please be aware that it
  can take the credit reporting agencies anywhere from 0 to 60 days to update
  consumer credit reports.  Afni has no
  control over how quickly the credit reporting agencies update consumer credit
  reports.  However, this does not mean
  that the account is not due and owing, simply that Afni will no longer furnish
  the account to the credit reporting agencies. 
  Afni trusts this response has addressed the consumer’s concerns, but if
  questions remain, or if they would like to discuss the account, they may
  contact a Consumer Relations Specialist at ***** *********

  Customer Answer

  Date: 07/28/2023

  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:07/26/2023

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

  Business Response

  Date: 07/27/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On October
  12, 2022, **** forwarded the subject account, **** Mobility account
  #:  ************, Afni, Inc. account
  #:  *********-01, with Afni for
  collections on the balance of $4,509.98.
  The account is for services established on August 23, 2016,
  until **** considered the account delinquent on October 27, 2020.  The billing phone numbers are ***** ********* ***** ********* ***** ********* ***** ********* *** ***** ********.  Afni mailed the initial notice of the account
  on or about October 17, 2022.  On December
  4, 2022, Afni furnished the credit reporting agencies with notice of the
  account. On July 10, 2023, **** requested Afni to cease collections and
  return the account.
  On July 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.  Furthermore, a signed
  contract is not always required to initiate **** services, as orders for
  services can be taken over the phone or via the internet, which are considered
  verbal and electronic signatures, respectively. 
  On July 16, 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.  Afni is no longer the collection agency
  handling the subject account.  Further
  inquiries regarding the account should be directed to ****.

• Initial Complaint

  Date:07/26/2023

  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'm 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.

  Business Response

  Date: 07/28/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On January
  13, 2021, ****** forwarded the subject account, ****** account #: *********,
  Afni, Inc. account #:  *********-01, with
  Afni for collections on the balance of $571.55.
  The account is for services established on December 5, 2016,
  until ****** considered the account delinquent on October 26, 2018.  The billing address associated with the
  account is **** ***** ***** ******* ********* ** ********** ** *****.  Afni mailed the initial notice of the account
  on or about January 16, 2021.  On February
  28, 2021, Afni furnished the credit reporting agencies with notice of the
  account.
  On July 27, 2023, 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
  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: 08/02/2023

  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:07/25/2023

  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 debt with ******, I do not have a contract with the collection agency AFNI,INC. they did not provide me with the original contract as i requested.

  Business Response

  Date: 07/26/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On December
  30, 2022, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, with Afni for collections on
  the balance of $228.61.
  The account is for services established on September 20,
  2019, until ****** considered the account delinquent on October 19, 2020.  The billing address associated with the
  account is *** ****** ******* ******** ** ******  Afni mailed the initial notice of the account
  on or about January 4, 2023.  On February
  19, 2023, Afni furnished the credit reporting agencies with notice of the
  account. On July 25, 2023, the consumer spoke with an Afni representative,
  stated that they have never had services with ******. The Afni representative
  noted the consumer’s claims for fraud. On July 26, 2023, Afni mailed the
  consumer a fraud packet which details how to have the account investigated as
  identity theft.
  On July 26, 2023, Afni received this complaint.  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.  Furthermore,
  a signed contract is not always required to initiate ****** services, as orders
  for services can be taken over the phone or via the internet, which are
  considered verbal and electronic signatures, respectively.  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 (800)
  937-8997.  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:07/25/2023

  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.

  im not liable for this debt 11 *******. i do not have a contract with Afni, Inc they did not provide me with the original contract as i requested.

  Business Response

  Date: 07/26/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On April 23,
  2021, ******* forwarded the subject account, ******* account #:  ****************, Afni, Inc. account #:  *********-01, with Afni for collections on
  the balance of $315.31. 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 February 1, 2012,
  until ******* considered the account delinquent on February 17, 2019.  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 April 26,
  2021.  On July 18, 2021, Afni furnished
  the credit reporting agencies with notice of the account.
  On July 25, 2023, Afni received this complaint.  In response, Afni ceased communication and
  initiated an investigation.   Afni has attached copies of the account
  billing statements to this response; these are provided as validation of the
  account.  To address the consumer’s concerns,
  the subject account has not been purchased by Afni.  Afni received the account from ******* and
  acts as an agent on behalf of Comcast; therefore, the consumer would not have a
  contract with Afni.  This complaint is
  the first dispute Afni has received regarding this account. Furthermore, a signed
  contract is not always required to initiate ******* services, as orders for
  services can be taken over the phone or via the internet, which are considered
  verbal and electronic signatures, respectively. 
  Afni 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:07/24/2023

  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 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: 07/26/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On June 17,
  2021, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, with Afni for collections on
  the balance of $1,906.35.
  The account is for services established on May 7, 2017,
  until ****** considered the account delinquent on April 9, 2019.  The billing address associated with the
  account is **** ********* ********** ********* **** ******* ***** ** *****.  Afni mailed the initial notice of the account
  on or about June 20, 2021.  On August 8,
  2021, Afni furnished the credit reporting agencies with notice of the account.  Afni has received multiple disputes from the
  credit reporting agencies, reviewed all relevant information, and responded
  appropriately.
  On July 25, 2023, 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, when a consumer submits a dispute through the
  credit reporting agencies, Afni responds directly to the credit reporting
  agencies.  Furthermore, a signed contract
  is not always required to initiate ****** services, as orders for services can
  be taken over the phone or via the internet, which are considered verbal and
  electronic signatures, respectively.  Afni
  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:07/21/2023

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

  Business Response

  Date: 07/28/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On November
  7, 2022, **** forwarded the subject account, **** ******** account
  #:  ************, Afni, Inc. account #:*********-01,
  with Afni for collections on the balance of $2,106.70.
  The account is for services established on December 6, 2019,
  until **** considered the account delinquent on February 3, 2021.  The billing address associated with the
  account is **** ******** ****** ********* **** ***** ***** ** *****, and the
  phone numbers are ***** ********* ***** ********* *** ***** ********.  Afni mailed the initial notice of the account
  on or about November 12, 2022.  On December
  25, 2022, Afni furnished the credit reporting agencies with notice of the
  account.  On July 23, 2023, Afni received
  a dispute from the credit reporting agencies, reviewed all relevant
  information, and responded appropriately.
  On July 24, 2023, 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, when a consumer submits a
  dispute through the credit reporting agencies, Afni responds directly to the
  credit reporting agencies. Furthermore, a signed contract is not always
  required to initiate **** services, as orders for services can be taken
  over the phone or via the internet, which are considered verbal and electronic
  signatures, respectively.  Afni will send
  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 Regulatory Specialist at ***** *********