Collections Agencies
AmeriFinancial Solutions, LLCThis business is NOT BBB Accredited.
Find BBB Accredited Businesses in Collections Agencies.
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
- 150 total complaints in the last 3 years.
- 61 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:11/07/2023
Type:Billing IssuesStatus: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.
Account #******XX I have requested several times that AMERIFINANCIAL SOLUTIONS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. I request validation under 15 U.S. Code § 1692g - Validation of debts. If information is not provided or the false reporting isn’t removed; as in ****** ** ***** ***** ****., No. 95-6445 (C.D.Cal. Nov. 14,1995), you may be liable for your willful non-compliance .In addition, any the contract signed between AMERIFINANCIAL SOLUTIONS & the original creditor, notarized and sworn under penalty and perjury for AMERIFINANCIAL SOLUTIONS ability to collect this alleged debt. AMERIFINANCIAL SOLUTIONS is falsely reporting on my credit as a creditor and per FCRA they are not a creditor of mine. Under 15 U.S. Code § 1692e. False or misleading representations; AMERIFINANCIAL SOLUTIONS is in violation. I have submitted a claim to the FTC as well as CFPB and attorney general for your willful noncompliance. Please remove it now. Under 15 U.S. Code § 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. Provide proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible.Business Response
Date: 11/10/2023
Prior to the receipt of this BBB compliant, AmeriFinancial
Solutions (AFS) had no record of the consumer requesting documentation in
reference to this matter. 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 be a creditor of the consumer. AFS is a
collection agency and the consumer’s account was placed for collection. AFS
looks forward to working with the consumer so that this matter can be
resolved. AFS can be reached at
###-###-####. Please reference account ******77. 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: 11/14/2023
I am rejecting this response because: Great you just admitted that you are not a creditor of mines. Therefore, you have no right to report as a creditor on my credit report. You are breaking 15 U.S. Code § 1692e. False or misleading representations, as only creditors can report to credit reports. You admitted per last response that you aren't a creditor of mine and have not provided any validating documents that I previously requested and also breaking 15 U.S. Code § 1692g. Validation of debts. As in ****** ** ***** ***** ****., No. 95-6445 (C.D.Cal. Nov. 14,1995), you are liable for your willful non-compliance. This is my SECOND documented request from BBB asking you to provide any the contract signed between YOU DEBT COLLECTOR & the original creditor, notarized and sworn under penalty and perjury for YOU DEBT COLLECTOR. ability to collect this alleged debt. You obviously ignored my first request which is documented and has been sent to FTC and CFPB for willful noncompliance. You are taking advantage of consumers and this isnt right. Please remove yourself from reporting from my credit report.
Sincerely,
******* *****Business Response
Date: 11/15/2023
AFS
stands by its previous response. Documentation has been mailed that will enable
the consumer to understand the nature of this debt as well as documentation
that contains the consumer’s signature. AFS has met its obligation pursuant to applicable law. 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:10/20/2023
Type:Billing IssuesStatus: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
Last reported Oct 08, 2023
$543
Open balance
***** **** ** ******* ** ***
Original creditor
SNAPSHOT
Opened
Jun 26, 2023 (3 mos)
Account status
Open
Type
--
Responsibility
Individual
Remarks
Placed for collectionBusiness Response
Date: 10/20/2023
Pursuant to this BBB complaint documentation will be mailed to the consumer that will enable the consumer to understand the nature of the debt. AFS looks forward to working with the consumer so that this matter can be resolved. The consumer can reach AFS at ###-###-####. Reference account # ********. 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:10/19/2023
Type:Billing IssuesStatus: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 Amerifinancial Solut. They did not provide me with the original contract as i requested.Business Response
Date: 10/19/2023
Pursuant
to this BBB complaint documentation will be sent to the consumer that will
enable the consumer to understand the nature of the debt(s). AFS does not
claim to have a contractual relationship with the consumer. AFS is a
collection agency and the consumer’s account(s) were placed for collections
by ***** **** ** ******* *** ***. AFS looks forward to working with the
consumer so that this matter can be resolved.
AFS can be reached at ###-###-####. Please reference account 28309139
or ********. 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:10/18/2023
Type:Billing IssuesStatus: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 is furnishing inaccurate information on my consumer report. I mailed over night a dispute to the address listed on my credit report and this item has been in transit since the 27th of September 2023.Business Response
Date: 10/19/2023
Pursuant
to this BBB complaint documentation will be mailed to the consumer that will
enable the consumer to understand the nature of the debt. AFS looks forward to
working with the consumer so that this matter can be resolved. The consumer can
reach AFS at ###-###-####. Reference account # ********. 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: 10/19/2023
Unless the document requested as stated on the dispute letter is being sent I request that Amerifinancial Solutions LLC cease and desist any and all collections activities. I am requesting proof that: I am indeed the party you are asking to pay this debt; the date of the alleged medical service; the name of the patient; and the proof that there is some contractual obligation which is binding me to pay this debt. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization.
Sincerely,
****** ******Business Response
Date: 10/25/2023
AFS stands by it previous response. Documentation has been mailed that will enable the consumer to understand the nature of this debt. 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:10/02/2023
Type:Billing IssuesStatus: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 with. ***** **** ** ******* ** ***. I do no have a contract with AMERIFINANCIAL SOLUTIONS, they did not provide me with a contract as i requestedBusiness Response
Date: 10/05/2023
Prior to the receipt of this BBB compliant, AmeriFinancial Solutions (AFS) had no record of the consumer requesting documentation in reference to this matter. Pursuant to this BBB complaint documentation will be sent to the consumer that will enable the consumer to understand the nature of the debt(s). AFS does not claim to have a contractual relationship with the consumer. AFS is a collection agency and the consumer’s account(s) were placed for collections by ***** **** ** ******* *** ***. AFS looks forward to working with the consumer so that this matter can be resolved. AFS can be reached at ###-###-####. Please reference account ********. 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:09/18/2023
Type:Billing IssuesStatus: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 AMERIFINANCIAL SOLUTIONS . They did not provide me with the original contract as I requestedBusiness Response
Date: 09/21/2023
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 consumer's account was placed for collections. AFS looks forward to working with the consumer so that this matter can be resolved. The consumer can reach AFS at ************. Reference account # ********. 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:09/14/2023
Type:Billing IssuesStatus: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 do not have any contract with AMERIFINANCIAL SOLUTIONS; they did not provide me with original contract as requestedBusiness Response
Date: 09/21/2023
AmeriFinancial Solutions (AFS) does not claim to have a contractual relationship with the consumer. AFS is a collection agency and the account in question was placed with AFS for collection. Documentation was previously mailed to the consumer that would have enabled the consumer to understand the nature of the debt. The consumer should feel free to contact our office at ************ if the consumer wish to discuss this matter. Please reference Account ********. ********************** 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:08/22/2023
Type:Order IssuesStatus: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 AmeriFinancial Solutions, LLC. They did not provide me with the original contract as I requested.Business Response
Date: 08/28/2023
AmeriFinancial Solutions (AFS) does not claim to have a contractual relationship with the consumer. AFS is a collection agency and the consumer's account was placed for collections by the ***- ***************************. AFS has no record of the consumer requesting documentation in reference to this account. Further explanation of this account will be mailed to the consumer. AFS will honor the consumers desired settlement and request that the account be removed from the consumers credit. 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:08/22/2023
Type:Billing IssuesStatus: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 CARE OF ATLANTA INC, I do not have a contract with AmeriFinancial Solutions, LLC, They did not provide me withe original contract as requested.Bureau Response
Date: 08/22/2023
Gail **********
AmeriFinancial Solutions, LLC
*** ******* *** ***** ***
****** ***** ** *****
Dear Gail **********:
Better Business Bureau (BBB) received a complaint about your business. BBB understands that there are two sides to every dispute, and we have not pre-judged the validity of this claim. This is your opportunity to address the concerns of your consumer and to rebuild the trust that first brought you together. BBB seeks to help businesses resolve their disputes, whether or not they are accredited with BBB. The complaint was submitted on 8/21/2023 and was assigned an ID of *********
How do I take care of this?
Your BBB is requesting a written response to this complaint within the next 7 calendar days. Your prompt and professional response greatly enhances the chance for a successful resolution and will further your reputation as a BBB Accredited Business. If you received this complaint via email, the fastest and easiest way to view and respond is to the simply click on the “Respond to this Complaint”, link located on the left. All responses will be copied to the complainant.If you received this complaint via Postal Mail, you may respond online using the link below or respond by mail using the address above.
To access/respond to this complaint online:
Go to: ****************
Enter the following code: **************What should I include in my response?
Please provide an explanation of the events from your perspective and/or a concrete plan for how to work toward a resolution. Remember that the more factual information we have about the case, the easier it is for all parties to develop a full understanding of the situation.
Please understand that the complaint content and your response may be publicly posted on the BBB web site (BBB reserves the right to not post in accordance with BBB policy). Please do not include any information that personally identifies your customer. By submitting your response, you are representing that it is a truthful account of your experience with this consumer. BBB may edit the complaint or your response to protect privacy rights and to remove inappropriate language.
What will happen if I do not submit a response and what can I expect to happen next?
If you do not respond promptly to this complaint, it may be closed as Unanswered. This may result in a substantially lower rating with BBB, which could adversely influence potential customers. Once we receive your response, we will forward it to your customer and ask them to tell us in writing whether your response resolves their concerns. If they continue to express dissatisfaction, the case will be reviewed by BBB staff to determine if the remaining concerns warrant an additional response. The overall standard applied in the review process is: Did the company act in good faith, and do everything that could be reasonably expected, or is responsible for, to resolve the issue?
We look forward to helping you and your customer work toward an amicable resolution.Sincerely,
Lisa ****
Dispute Resolution Team Leader
***********************
Phone: ###-###-####CUSTOMER EXPERIENCE INFORMATIONCustomer Information:Marquaveous ******, ** *****Daytime Phone: ###-###-####
E-mail: ******************
The details of this matter are as follows:Complaint Involves:
Billing or Collection IssuesCustomer’s Statement of the Problem:
I am not liable for this debt with EMERG CARE OF ATLANTA INC, I do not have a contract with AmeriFinancial Solutions, LLC, They did not provide me withe original contract as requested.
Desired Settlement:
Other (requires explanation)
Correction to my credit report. I demand that this account be removed from my credit report
Bureau Response
Date: 08/22/2023
Marquaveous ******
* *** *****
Dear Marquaveous ******:
Thank you for contacting the Better Business Bureau. This message is in regard to your complaint submitted on 8/21/2023 against AmeriFinancial Solutions, LLC. Your complaint was assigned ID *********
Now that I have filed, what is the next step?
We have forwarded your complaint to the business for their response. We have asked the business to reply promptly, but some disputes may take longer than others to conclude. Please be patient as we work to ensure that your concerns are addressed.
What if I do not agree with the response from the business?
It is important for both parties to maintain realistic expectations and respond in a professional, fair and courteous manner. Our goal is for you and the business to be able to work towards an amicable solution. Should this prove difficult, we may offer you and the business the opportunity to participate in binding arbitration. More information about these options can be found at www.bbb.org
What happens if a business does not respond?
BBB will make every effort to obtain a response from the business, but some businesses simply do not ever contact us. BBB is not an enforcement agency. We cannot force a business to respond. However, failure to do so may result in a negative impact on their BBB rating, which may drive away future customers. BBB can also refer you to other agencies that may be able to assist you, depending on the specific nature of your complaint.
Feedback from consumers is vital to BBB. We appreciate your willingness to report this information to us. We look forward to helping you and the business work toward a resolution. Please do not hesitate to contact us with any additional questions or concerns.
Sincerely,Lisa ****
Dispute Resolution Team Leader
***********************
Phone: ###-###-####Business Response
Date: 08/28/2023
Prior to the receipt of this BBB compliant, AmeriFinancial Solutions (AFS) had no record of the consumer requesting documentation in reference to this account. 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 consumer's account was placed for collections by Emerg Care of Atlanta, Inc. AFS 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.Bureau Response
Date: 08/29/2023
Marquaveous ******
,** *****
Dear Marquaveous ******:
This message is in regard to your complaint submitted on 8/21/2023 against AmeriFinancial Solutions, LLC. Your complaint was assigned ID *********BBB has received a formal response
from AmeriFinancial Solutions, LLC. We ask that you review the response and understand that BBB
is here to assist both parties in reaching a fair and reasonable resolution.Please review their response to your complaint and advise us of your position in the matter within 5 calendar days. If we do not hear back from you, BBB will assume you are satisfied and will close your complaint as answered.
Please be sure to indicate whether the business' response is satisfactory or not and how you would like to proceed in this matter.
If you received this complaint via Postal Mail, you may respond online using the link below or respond by mail using the address above.
To access/respond to this complaint online:
Go to: ****************
Enter the following code: **************Sincerely,
Lisa ****
Dispute Resolution Team Leader
***********************
Phone: ###-###-####
MESSAGE FROM BUSINESS:
Prior to the receipt of this BBB compliant, AmeriFinancial Solutions (AFS) had no record of the consumer requesting documentation in reference to this account. 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 consumer's account was placed for collections by Emerg Care of Atlanta, Inc. AFS 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.Bureau Response
Date: 09/03/2023
Gail **********
AmeriFinancial Solutions, LLC
*** ******* *** ***** ***
****** ***** ** *****
Re: ID * ******** - Marquaveous ******
Dear Gail **********:
Thank you for your recent response to Marquaveous ******. We have not yet heard from the consumer and are closing this case as answered.
Following our usual procedure, BBB notified the consumer of your response and requested notification of whether or not a satisfactory resolution had been reached. Unfortunately, the consumer has not notified our office if they are satisfied. BBB has determined that your company has addressed the issues within the complaint; therefore we have closed this case in our files. This matter will appear in your BBB Business Profile as: "Answered - The Business addressed the issues within the complaint, but the consumer did not accept the response, OR BBB has not heard back from the consumer as to their satisfaction."
The text of your response may be publicly posted on BBB's website. BBB reserves the right to not post in accordance with BBB policy, and we may edit your response to protect privacy rights and to remove inappropriate language.In the event the consumer contacts BBB again regarding this issue, we may reach out to you to review any new or additional information we've received from the consumer.
Sincerely,
Lisa ****
Dispute Resolution Team Leader
***********************
Phone: ###-###-####Bureau Response
Date: 09/03/2023
Marquaveous ******
** *****
Re: ID # ********* AmeriFinancial Solutions, LLC
Dear Marquaveous ******,
We have not received your response to confirm this complaint has been resolved. Therefore, this complaint has been closed and will appear in the company's BBB Business Profile as: “Answered- BBB has not heard back from the consumer as to their satisfaction with the business's response.”
Please know that BBB is always available to discuss your case and review additional information. Thank you for using BBB's Marketplace Services.
Sincerely,
Lisa ****
Dispute Resolution Team Leader
***********************
Phone: ###-###-####Initial Complaint
Date:08/18/2023
Type:Billing IssuesStatus: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 received notification from my ********** credit report that I was in collections for $508 with the company Amerifinancial Solutions on behalf of ****************. Ive never been associated with this company in any way. Ive never received services from them either. I believe someone has fraudulently used my identity to get services from them. I called Amerifinancial Solutions several times and they have several different phone numbers under their name on ****** and each number I called the agent says that they dont work for Amerifinancial Solutions but gives me a different name of the company they work for which is not Amerifinancial Solutions. I called them to ask for the phone number of the company theyre representing (****************) so I can question them, nobody has that information and they all asked for my SS NUMBER to investigate this issue but I refuse to give them my personal information. I did file a dispute with ************************. I believe that this is a SCAM and Amerifinancial Solutions is a FRAUDULENT COMPANY!!Business Response
Date: 08/24/2023
AmeriFinancial Solutions (AFS) has no record of the consumer calling its office. AFS can be reached at ************. Please reference account number ********. This is not a scam and ********************** is not a fraudulent company. The account in question was placed with AFS for collections. AFS will honor the consumers desired settlement and request that the account be removed from the consumers credit. 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: 08/27/2023
Complaint: 20486029
I am rejecting this response because:
Sincerely,
**** *******Customer Answer
Date: 09/07/2023
I am not responsible for this transaction, I didnt receive any services from ***************** and I will see you in court.
AmeriFinancial Solutions, LLC is NOT a BBB Accredited Business.
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