We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Collections Agencies

AmeriFinancial Solutions, LLC

This 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

Find a Location

AmeriFinancial Solutions, LLC has 2 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.

    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 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:04/19/2023

      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 for the debt with AMERIFINANCIAL SOLUTIONS. I do not have a contract with WAKE EMERGENCY PHYS ****** guys need to handle this issue. This has been going on for a long time now that I have seen my information. That's messing my Character & name up as a person.They are in violation & told me 30 days when I had fraud. A identity theft with police report I had attached as well, they are in major violation.

      Business Response

      Date: 04/26/2023

      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 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:04/14/2023

      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.
      AMERIFINANCIAL SOLUTIO (original creditor: WAKE EMERGENCY PHYS. PA) ACCOUNT NUMBER: *********Date Opened: 06/24/2019 Balance: $636.00 I received a notice that I have a collection from collection agency ************* SOLUTIO on my credit report. It says it was opened on 06/24/2019 for the balance of $636.00 with account number starting ********** that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the **** and *****. I would like for this collection to be removed ASAP or I will file a CFPB and FTC report.

      Business Response

      Date: 04/21/2023

      AmeriFinancial Solutions (AFS) does not claim to have a contractual/business relationship with the consumer. AFS is a collection agency attempting to collect a debt on behalf of ********************* A.  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 looks forward to working with the consumer so that this matter can be resolved. The account number referenced in the ******************** complaint is ********. 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:03/27/2023

      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 and do not have a contract with Amerifinancial Solutions. They do not provide me with the original application like I asked.

      Business Response

      Date: 03/31/2023

      In order to identify the consumer as to ensure
      that the proper account has been located AmeriFinancial Solutions (AFS) would
      ask that the consumer provide further information such as an account number or amount
      that is appearing on the consumer’s credit. The last four digits of the consumer’s
      SSN or month/year birth may also prove helpful. AFS looks forward to assisting the
      consumer in the resolution of this matter. 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: 04/01/2023



      Complaint: ********

      My Account Number is ********
      My balance owed is $834 
      My birthdate is *** *** ****
      Last 4 of SSN is ****

       

      Thank You!



      Sincerely,



      ****** ****

      Business Response

      Date: 04/06/2023

      AFS does not understand the recent message from the BBB "What is the next step? The consumer has rejected the company offer in regards to this complaint, and BBB has forwarded it to the business for review. That message makes no sense as AFS made no offer, but simply asked that the consumer provide information to positively identify the account that was the subject of the complaint. The consumer sent identifying information. AFS is in the process of reviewing the initial complaint and will respond with in the 5 days allotted.  

    • Initial Complaint

      Date:03/16/2023

      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 contacted American Financial Solutions about an unverified account (********) with a $524 balance. I was attempting to call credit bureaus to verify the legitimacy of their request. American Financial Solutions and the credit bureaus ignored my complaints. As a result, I've decided to enlist your assistance in eliminating this unverified and fraudulent account.

      Business Response

      Date: 03/23/2023

      The
      consumer’s statement that the account has not been verified and consumer's complaints have been ignored are not accurate. On
      6/25/2021 the consumer called AmeriFinancial Solutions (AFS) set up a payment
      arrangement and made a payment. On 7/23/2021 the consumer called AFS stating
      that he got laid off and could not pay at all now. The consumer’s payment
      arrangement was canceled. The original balance was $572.00 and as the consumer
      states the current balance is $524.00.  AFS looks forward to working with
      the consumer so that this matter can be resolved. The consumer may call AFS at
      ###-###-####. Please reference account number ********. 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:03/10/2023

      Type:Order 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 ****** **** ** ******* ***. and do not have a contract with AMERIFINANCIAL SOLUTIONS. They did not provide me with the original application like I asked.


      Account Numbers:
      ******** ******** (Duplicate accounts; 7 total)

      Business Response

      Date: 03/16/2023

      AmeriFinancial
      Solutions (AFS) does not claim to have a contractual relationship with the
      consumer. AFS is a collection agency attempting to collect a debt(s) on behalf
      of ****** **** ** ******** ***.  AFS has
      no record of the consumer requesting documentation. 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 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:03/07/2023

      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.
      Re: Acct #********Balance: $957 To Whom It May Concern: This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. 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 proof that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of: Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ***** SEC. *****. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES; and ***. ****************** SECURITY.

      Business Response

      Date: 03/08/2023

      The consumers statement that This letter is being sent to you in response to your recent letter. is not accurate as AmeriFinancial Solutions (AFS) has not recently sent the consumer a letter. The last letter AFS mailed to the consumer was on or about 9/24/2018. The consumers request for validation pursuant to the ***** is not timely. AFS is not sure why the consumer is quoting Section ***** and 13407(1) of the *****  The sections that the consumer quotes do not appear applicable to this matter as they have to do with application of security provisions and temporary breach notifications.  Even though it is AFSs position that this matter was handled properly, AFS will honor the consumers desired resolution and request that 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.

    • Initial Complaint

      Date:03/07/2023

      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 filing this complaint because I noticed Amerifinancial Solutions had placed a debt for $1,543 on my credit report on 10/25/2021. I reached out to emergency physician of central fl and have on a recording call that this bill should NOT be on my credit report which I can also provide the recorded call to all parties . I also reached out to Amerifinancial Solutions asking to verify that this debt is indeed mine and also also for a copy for HIPPA authorization due to the alleged debt account being a medical account. Amerifinancial Solutions sent a bill which is not sufficed validation. Amerifinancial Solutions also did not provide a copy for HIPPA authorization for the alleged medical account. Under the health insurance portability and accountability Act of 1996 (HIPAA). I reserve the rights to protect the privacy of my personal information and medical records from all third-party reporting agencies. I am not liable for this debt with AmeriFinancial Solutions and do not have a contract with them. They did not provide me with the any documents or signatures like I requested. This debt was not properly validated and should not be on my credit at all . I demand that this incorrect bill be removed from my credit report and again I can provide the recorded call from emergency physician of central fl. You are reporting false information to the credit bureaus ! Account :********

      Business Response

      Date: 03/14/2023

      In response to the consumer’s request for validation on or
      about 2/24/23 AmeriFinancial Solutions (AFS) mailed documentation to the
      consumer that would enable to consumer to understand the nature of the debt.
      The consumer admits to receiving the documentation.  If the consumer
      wishes to obtain a copy of any HIPAA related documents that information can be requested
      from the facility as the facility is the custodian of that record. The
      documentation that was sent to the consumer complies with applicable law as the
      documentation relates to the services rendered by Emergency Physicians of
      Central Fl (EPCF). The facility and provider bill separately. Furthermore, a
      provider of healthcare services is permitted to release PHI for treatment,
      payment, or healthcare operations (TPO). According to *********** the term "Payment"
      encompasses the various activities of health care providers to obtain payment
      or be reimbursed for their services and of a health plan to obtain premiums, to
      fulfill their coverage responsibilities and provide benefits under the plan,
      and to obtain or provide reimbursement for the provision of health care. In
      addition to the general definition, the Privacy Rule provides examples of
      common payment activities which include but are not limited to billing and
      collection activities. While the consumer does have the right to protect
      personal health information the forwarding of the consumer's PHI to this office
      does not violate HIPPA. 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. If the consumer could provide a copy of the
      recorded call from EPCF that may prove helpful in resolving this matter.  AFS
      looks forward to working with the consumer to resolve this matter. If the
      consumer wants to call the telephone number is ###-###-####. Reference account
      number ********. A request was made to the credit bureau to have the account
      updated as a dispute. 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:02/28/2023

      Type:Customer Service 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 WAKE EMERGENCY PHYS P A and do not have a contract with AMERIFINANCIAL SOLUTIONS. They do not provide me with the original application like I asked.

      Business Response

      Date: 03/02/2023

      AmeriFinancial Solutions (AFS) does not claim to have a contractual relationship with the consumer. AFS is a collection agency attempting to collect a debt(s) on behalf of ********************* A.  AFS has no record of the consumer requesting the original application. 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 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: 03/02/2023

       
      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.

      Sincerely,

      ******* ******

    • Initial Complaint

      Date:02/19/2023

      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.
      Im not liable with this debt with ***** financial solution. I do not have a contract with *************** and they did not provide copy for the contract they claim i sign with them like i asked because there isnt one. i demand this collection be removed off my account because it shouldnt be there and violated my rights. I also demand the address they are reporting on my credit report of ************************************************************************************************** be removed off my experian report immediately. I will be also filling a complaint with the ****.

      Business Response

      Date: 02/27/2023

      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.  Even though it is AFSs position that this matter was handled properly, and the consumers rights have not been violated AFS will honor the consumers desired resolution and request that 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.

      Customer Answer

      Date: 02/28/2023

       
      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.

      Sincerely,

      Guyalex ****

    • Initial Complaint

      Date:02/10/2023

      Type:Product 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.
      10-09-2020
      #********
      This company has never dealt with me niether do I owe them any money this is not my Dept I would like this removed from my credit report

      Business Response

      Date: 02/16/2023

      AmeriFinancial Solutions (AFS) is
      a collection agency and is not claiming that the consumer owes AFS any money. AFS is attempting to collect a debt on behalf of a service provider. The consumer's statement that AFS has never dealt with consumer is inaccurate as when the account was placed for collection, a letter was mailed to
      the consumer, there was no response to that letter. Documentation will be mailed
      to the consumer which will enable the consumer to understand the nature of the
      debt and the services rendered.  AFS looks forward to working with
      the consumer to resolve this matter. If the consumer wants to call the
      telephone number is ###-###-####. Reference account number ********. 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: 02/23/2023



      Complaint: ********



      I am rejecting this response because:



      Sincerely,



      **** ******

      Business Response

      Date: 03/02/2023

      The consumers additional correspondence states, " I am rejecting this response because:  Sincerely, **** ******" The consumer fails to state why consumer is rejecting the response. 

    AmeriFinancial Solutions, LLC is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

    Why choose a BBB Accredited Business?

    BBB Business Profiles may not be reproduced for sales or promotional purposes.

    BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

    When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

    BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

    As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.