Business Profile

Collections Agencies

AmeriFinancial Solutions, LLC

This business is NOT BBB Accredited.

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Important information

Customer Complaint:
AmeriFinancial Solutions encourages consumers to contact Nate via email at [email protected] to review their concerns prior to filing a BBB complaint. Nate's response time is generally with in two business days. We appreciate an opportunity to resolve your concerns prior to the filing of a BBB complaint.

Complaints

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

Customer Complaints Summary

152 total complaints in the last 3 years.
62 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.

Initial Complaint
Date:06/25/2025
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 the debt with EMERG PHYS OF **************. I do not have a contract with AMERIFINANCIAL SOLUTIONS. When I requested they provide me with the original contract, they DID NOT provide one.
Business Response
Date: 07/01/2025
We are unable to locate an account for the consumer. Is it possible for the consumer to provide an account number or attach a copy of the tradeline as it appears on the consumers credit. This office looks forward to assisting the consumer in resolving this matter. This is an attempt to collect a debt and any information obtained will be used for that purpose.
Initial Complaint
Date:06/04/2025
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 Emerg Phys of **************. I do not have a contract with Amerifinancial Solutions, They did not provide me with the original contract as I requested and lacked a clear itemized breakdown of the charges.
Business Response
Date: 06/09/2025
Pursuant to this BBB complaint documentation will be sent to the consumer that will enable the consumer to understand the nature of the debt.AFS does not claim to have a contractual relationship with the consumer. AFS is a collection agency, and the consumers account was placed for collections. The consumer may call our office at ************ and reference account number ********. ********************** looks forward to working with the consumer so that this matter can be resolved. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose.
Initial Complaint
Date:05/28/2025
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 EMERG PHYS OF **************, I do not have a contract with AMERIFINANCIAL SOLUTIONS, they did not provide me with the original contract as i requested
Customer Answer
Date: 05/28/2025
***** ****
**********************************************************************************
05/01/2025

05/20/2025
I recently reciew a copy of my credit report and notice i had fraudulent accounts on my credit report, please remove these accounts from my report,they are hurting my ability to obtain credit.

To Whom It May Concern,

I am in receipt of your letter claiming that I owe your company for a debt. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act,15 USC 1692g stating your claim is disputed and validation is requested.
I have to date received no proof that I owe your company any debt and I am requesting that you forward to me full and proper documentation(original alleged contract bearing my signature) as evidence of this alleged debt. If you are unable to provide me with the proper proof then you must stop attempting to collect this alleged debt and remove it immediately from my consumer report.
If you continue to claim I owe a alleged debt that you cannot confirm with proof(original alleged contract bearing my signature) then you will be in direct Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

You have committed the following FDCPA Violations:

806. Harassment or abuse
807. False or misleading representations
808. Unfair practices
809. Validation of debts

You have thirty (30) days from receipt of this notice to respond, during which time all collection activity must cease and desist. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my consumer report(s) in error and that this matter is permanently closed. Provide the proof, or remove this alleged debt from all sources to which you have reported it.
Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is NOT a print out or bill from you but rather actual proof of the alleged debts existence (original alleged contract bearing my signature).

Lastly, please evidence your authorization under 15 USC 1692(e) and 15 USC 1692(f) in this alleged matter.

If I don't get proper documentation I will be filing my complaint at:
**************************************************************;
and
****************************************************************;
And
**************************************
Also this letter shall be used as evidence in pending litigation provided you fail to comply under the FCRA.

Sincerely,

***** ****
Customer Answer
Date: 05/28/2025
I recently reciew a copy of my credit report and notice i had fraudulent accounts on my credit report, please remove these accounts from my report,they are hurting my ability to obtain credit.
Customer Answer
Date: 05/28/2025
I recently reciew a copy of my credit report and notice i had fraudulent accounts on my credit report, please remove these accounts from my report,they are hurting my ability to obtain credit.
Customer Answer
Date: 05/28/2025
I recently reciew a copy of my credit report and notice i had fraudulent accounts on my credit report, please remove these accounts from my report,they are hurting my ability to obtain credit.
Customer Answer
Date: 05/28/2025
I recently reciew a copy of my credit report and notice i had fraudulent accounts on my credit report, please remove these accounts from my report,they are hurting my ability to obtain credit.
Business Response
Date: 06/05/2025
Pursuant to this BBB complaint documentation will be sent to the consumer that will enable the consumer to understand the nature of the debt. AFS does not claim to have a contractual relationship with the consumer. AFS is a collection agency, and the account was placed for collections. The consumer may call our office at ************ and reference account number ******** . As for the supplemental complaint, AFS is confused as the supplemental complaint is signed by ***** ****, AFS has no idea who ***** **** is and why would ***** **** be submitting a supplemental complaint on behalf of the consumer. AFS looks forward to working with the consumer, ** Roudy ****, so that this matter can be resolved. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose.
Business Response
Date: 06/05/2025
Pursuant to this BBB complaint documentation will be sent to the consumer that will enable the consumer to understand the nature of the debt. AFS does not claim to have a contractual relationship with the consumer. AFS is a collection agency, and the account was placed for collections. The consumer may call our office at ************ and reference account number ******** . As for the supplemental complaint, AFS is confused as the supplemental complaint is signed by ***** ****, AFS has no idea who ***** **** is and why would ***** **** be submitting a supplemental complaint on behalf of the consumer. AFS looks forward to working with the consumer, ** Roudy ****, so that this matter can be resolved. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose.
Initial Complaint
Date:05/27/2025
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.
COLLECTION AGENCY is violating the Customer Name, they removed it from one bureau and did not removed it from rest of the bureaus.
Business Response
Date: 06/02/2025
AmeriFinancial Solution (AFS) is not violating the consumers name. AFS does not show that the accounts in question were removed from one bureau and not removed from the rest of bureaus. Documentation will be sent to the consumer to allow the consumer to understand the nature of the services rendered and the charge for each service. Consumer may telephone AFS at ************** to discuss this matter. Please reference account ******** and ********. This is an attempt to collect a debt, and any information obtained will be used for that purpose....
Business Response
Date: 06/03/2025
AmeriFinancial Solution (AFS) is not violating the consumers name. AFS does not show that the accounts in question were removed from one bureau and not removed from the rest of bureaus. Documentation will be sent to the consumer to allow the consumer to understand the nature of the services rendered and the charge for each service. Consumer may telephone AFS at ************** to discuss this matter. Please reference account ******** and ********. This is an attempt to collect a debt, and any information obtained will be used for that purpose....
Initial Complaint
Date:05/27/2025
Type:Order 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 and I do not have a contract with AMERISOL plus they did not provide me with the original application like I asked.Account *********** Amount Disputed: $952
Business Response
Date: 06/02/2025
Pursuant to this BBB complaint documentation will be sent to the consumer that will enable the consumer to understand the nature of the debt. AFS does not claim to have a contractual relationship with the consumer. AFS is a collection agency, and the consumers account was placed for collections. The consumer may call our office at ************ and reference account number ********. ********************** looks forward to working with the consumer so that this matter can be resolved. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose.
Initial Complaint
Date:05/12/2025
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 (Amerifinancial Solutions). I do not have a sign contract with this collection agency trying to collect and report this debt to my credit report. They did not provide me with the original contract requested. I would like a correction to my credit report and demand this collection account(s) to be removed from my credit report immediately.
Business Response
Date: 05/19/2025
Pursuant to this BBB complaint documentation will be sent to the consumer that will enable the consumer to understand the nature of the debts. AFS does not claim to have a contractual relationship with the consumer. AFS is a collection agency, and the consumers accounts were placed for collections. The consumer may call our office at ************ and reference account number ******** or ******************************* looks forward to working with the consumer so that this matter can be resolved. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose.
Customer Answer
Date: 05/19/2025

Complaint: 23313017

I am rejecting this response because:
Information reported is not in accordance with FCRA law 15 U.S. Code 1681i(a)(5)(B)

Sincerely,

Tajzmiqua ********
Business Response
Date: 05/27/2025
The section of the **** that the consumer is quoting is applicable to consumer reporting agencies. AFS is a data furnisher, as stated in the previous response documentation was sent to the consumer that should enable her to understand the nature of the debt. The consumer is free to telephone our office and reference account ******** or ********, where a representative would be happy to assist the consumer in resolving this matter.
Business Response
Date: 05/27/2025
The section of the **** that the consumer is quoting is applicable to consumer reporting agencies. AFS is a data furnisher, as stated in the previous response documentation was sent to the consumer that should enable her to understand the nature of the debt. The consumer is free to telephone our office and reference account ******** or ********, where a representative would be happy to assist the consumer in resolving this matter.
Initial Complaint
Date:05/08/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
"The current account status is incorrect.Please verify the reporting status or delete it for inaccuracy in accordance with 15 USC 1681i(5)."
Business Response
Date: 05/14/2025
Pursuant to this BBB complaint documentation will be sent to the consumer that will enable the consumer to understand the nature of the debt.The consumer may call our office at ************ and reference account number ********. ********************** looks forward to working with the consumer so that this matter can be resolved. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose.
Initial Complaint
Date:05/06/2025
Type:Service or Repair 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.
AmeriFinancial Solutions is continually pursuing a debt the I have provided proof of coverage for and my insurance has already accepted responsibility for. My insurance called me and told me they spoke to AFS and provided proof as well. They have not sent my letter of deletion which is impeding the close of the sale of my home tomorrow morning. I have continually contacted AFS for this to be resolved only to be told that it will be a few more days until their back office can change the account status. I have asked to speak to **** the manager and I was told that he likely will not reach back out until Thursday. Today is Tuesday. I need an immediate resolution.
Business Response
Date: 05/12/2025
After review of the consumer's BBB complaint. AFS will honor the consumers desired resolution and request that the account be deleted from the consumer's credit. AFS does not control the amount of time it takes for the credit bureau to honor such a request. The consumer may telephone our office at ************. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose.
Initial Complaint
Date:05/06/2025
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.
In 2023 I wen to a medical appointment that I paid in cash and then after a couple of months I then received a bill collection from amerifinacial solutions of $938 which then I disputed and it was taken off my credit report and closed , but recently it came back on my credit report again the same amount of $938 I 100 percent know that this was paid off and that this is causing me mental distress of having to redo this all over again, this messed up my credit score right before I was supposed to start working on an application for a home I am trying to purchase.
Business Response
Date: 05/12/2025
Pursuant to this BBB complaint documentation will be sent to the consumer that will enable the consumer to understand the nature of the debt. The account that was placed with AFS is not for a 2023 date of service. The consumer may call our office at ************ and reference account number ********. ********************** looks forward to working with the consumer so that this matter can be resolved. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose.
Initial Complaint
Date:04/21/2025
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 Amerifinancial Solutions. I do not have a contract with this collection agency they did not provide me with the original contract as requested.
Business Response
Date: 04/27/2025
Pursuant to this BBB complaint documentation will be sent to the consumer that will enable the consumer to understand the nature of the debt. AFS does not claim to have a contractual relationship with the consumer. AFS is a collection agency and the consumers account was placed for collections. The consumer may call our office at ************ and reference account number ********. ********************** looks forward to working with the consumer so that this matter can be resolved. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose.

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AmeriFinancial Solutions, LLC is NOT a BBB Accredited Business.