Complaints

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

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  AmeriFinancial Solutions, LLC

  979 PO Box Reisterstown, MD 21136

• 

  AmeriFinancial Solutions, LLC

  3114 Croasdaile Dr # 200 Durham, NC 27705-2508

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:01/26/2023

  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.

  I'm making this complaint because I checked my credit reports and saw a reporting from AMERISOL on Dec 31, 2022 and as allowed under the Fair Debt Collection Practices Act (FDCPA), I am requesting that the debtor validates the alleged debt. I was not aware that there was a debt from PHOENIX EMRG MED BROWARD LLC for a 2017 date of service and I was unaware of any amounts owed. I never received any bill or a breakdown of any fees owed as the establishment is permanently closed.
  
  Additionally, I am allowed under the Health Insurance Portability and Accountability Act (HIPAA) to protect my privacy and medical records from third parties such as debt reporting agencies. I never gave permission to PHOENIX EMRG MED BROWARD LLC for them to release my medical information to any Third party such as AmeriFinancial. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the my authorization. Therefore my request is twofold-validation of debt and concerns about a HIPAA violation. Please respond with a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you.
  
  As required by law, you will cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
  
  Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act.

  Business Response

  Date: 02/03/2023

  The consumer's account was placed with
  AmeriFinancial Solutions (AFS) on 7/13/2017, At that time a validation letter
  was mailed to the consumer and that letter was not returned.  On
  9/10/2017 a second letter was mailed to the consumer and that letter was not
  returned. Pursuant to the applicable section of the FDCPA the consumer’s
  request for validation is not timely, but in the hope of resolving this matter
  documentation will be mailed to the consumer that will enable the consumer to
  understand the nature of the debt. The consumer will also be provided with an accounting of the
  information that was received from the provider at the time the account was
  placed for collections. AFS does not have the consumer’s medical records.  In accordance with the Health Insurance Portability and
  Accountability Act (HIPAA) a health care provider is permitted to release
  Protected Health Information for treatment, payment, or healthcare operations.
  According to www.hhs.gov 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. A provider does not need a consumer's consent to place an account
  with a collection agency. AFS looks forward to assisting the consumer in
  resolving this matter. If the consumer wants 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:01/19/2023

  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.

  It has recently been brought to my attention that AmeriFinancial was reporting an account to all three Credit Bureaus. TransUnion and Experian have removed this account in good faith, since they did not find sufficient evidence to validate it. However this account is still showing on my Equifax Credit report. This account has made it impossible for me to rebuild my credit and rent/purchase a home. The financial burden of this account is holding me back from being able to afford continued medical treatments. I have not received a letter validating the alleged debt and do not think that it has been sent to the correct address. Furthermore I dispute that this is a debt that I owe. My correct address is the one attached to this complaint. I would have disputed it from the beginning if I had received the proper documentation. I request that this alleged debt be removed from the final Credit Bureau (Equifax) on my credit report, so that I can continue medical treatments.
  
  Account #: **********

  Business Response

  Date: 01/25/2023

  Business Response /* (1000, 5, 2023/01/24) */
  On 11/9/2022, AmeriFinancial Solutions (AFS) received a request for validation from the consumer. Pursuant to the consumer's request on 11/10/22 verification of the debt was mailed to the consumer at the address indicated on the consumer's validation letter. Even though it is AFS's position that this matter was handled properly AFS will honor the consumer's desired resolution and request that account XXXXXXXX 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.
  
  
  Consumer Response /* (2000, 7, 2023/01/25) */
  (The consumer indicated he/she ACCEPTED the response from the business.)
  I accept the response.

• Initial Complaint

  Date:01/10/2023

  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.

  The company furnished several debt collection accounts to my consumer report. I sent a letter asking for validation and a letter agreeing to settle for a deletion without acknowledging the debt is mine or accurate. In our correspondence the company sent me a reply to the settlement letter in which they referred to me as "Ms *******".
  
  The company and I never discussed any gender, pronouns to be called or anything of the sort whatsoever and I am highly offended, embarrassed, and mentally troubled by the careless action on their behalf.
  
  I tried to resolve this matter previously via a certified mail letter explaining my troubles and a resolution to move forward, as well as a CFPB complaint in which the company placed the weight of their insult on my shoulders by saying that I never gave them pronoun to address me as so they wont do anything to resolve my issue. I responded by stating if I never gave them a pronoun why are they placing these gender or pronouns upon me. In another letter they sent me they referred to me as "Sir or Madam" which i have no issue with seeing that a gender or pronoun wasn't assumed and placed on me and I didn't give them anything in any of my correspondences for that to change and be insulted by their careless assumption of a gender or pronoun for me.
  
  I stated the federal statute they broke by insulting me(15 USC 1692d(2) but they remain non-compliant and unwilling to do anything to resolve the issue for their misconduct.

  Business Response

  Date: 01/24/2023

  Business Response /* (1000, 5, 2023/01/13) */
  Accounts XXXXXXXX and XXXXXXXX were investigated upon consumer request. At no point prior 1.5.23 in any correspondence did the consumer instruct on proper pronoun use. The consumer's claim that AFS will do nothing to resolve this issue is inaccurate. AFS appreciates that the consumer brought this matter to our attention. Now that is it known that consumer desires to be addressed as a consumer first, the accounts will be noted accordingly. The use of the word "Ms" was inadvertent and will not be used again to address the consumer. As there has been no violation of the FDCPA no money will be sent to consumer. Pursuant to a previous validation request on account XXXXXXXX documentation was mailed to the consumer on or about 9/23/21 that would enable the consumer to understand the nature of that debt. There is no record of any previous request for validation as to account XXXXXXXX. Now that a request has been received documentation will be mailed to the consumer that will enable the consumer to understand the nature of that debt. In accordance with applicable law a request was made to the credit bureau to have both accounts updated as disputed.
  
  
  Consumer Response /* (3000, 7, 2023/01/18) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  I do not accept the response from this business. The fact that we had several correspondences in which a gender wasn't assumed and also a correspondence in which the business referred to me as "Sir or madam" shows that no gender had been discussed or determined at all before the letter in which they assumed a gender or pronoun and addressed me as "Ms *******". That is a FDCPA violation of statute 15 USC 1692d(2) which states A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section,
  
  (2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
  
  Obscene is defined as offensive to morality or decency.
  
  Profanity is defined as Obscene, vulgar, or insulting language or blasphemy.
  
  Harassment is defined as Words, conduct, or action that being directed at a specific person annoys, alarms, or causes substantial emotional distress to that person.
  
  It's very obscene, harassing, profane and embarrassing to address and assume someone as the wrong gender with no prior communication establishing a gender or a preferred pronoun. Even worse this communication happened through the mails so a gender was assumed.
  
  Hopefully that is not a standard practice of this business, the practice of assuming the gender and pronouns of consumers and blaming the careless action on the consumer by stating that no prior gender was discussed, I should not have to be burdened with the responsibility of stating my gender in order to avoid having one assumed and placed on me by this business.
  
  Each time I have to correspond with this business about this issue takes more and more of a toll on my emotional health. This is so offensive and embarrassing because of many things that have happened to me and the fact that it's a clear violation but they remain non-compliant to what the law states their responsibilities are when in violation of of the laws stated previously.
  
  I demand that the accounts pertaining to the correspondence in which I was violated cease all collection activity, cease reporting to any consumer reporting agencies or businesses, and remedy of 1,000$ check sent to my address for my rights being violated.
  
  
  Business Response /* (4000, 9, 2023/01/24) */
  AmeriFinancial Solutions stands by its previously submitted response.

• Initial Complaint

  Date:01/06/2023

  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 viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law. Here are the details of the said inaccurate accounts, company name, balance & date last reported: Account Name AMERIFINANCIAL SOLUTIO Balance $767.00 Account Number ********Account Name ********************** SOLUTIO Balance $167.00 Account Number ********

  Business Response

  Date: 01/11/2023

  The consumer's claim that the accounts listed in the BBB complaint are fraudulent is not accurate. The two accounts are for services rendered to the consumer. When the accounts were placed for collections, the consumer was sent a letter explaining the debts. When the consumer failed to respond to the letter the accounts were reported on the consumer's credit. Per the consumer's desired resolution and after further review of the accounts a request will be made to the credit bureau to have accounts removed from the consumer's credit. AFS does not control the time it takes for an account to be removed once a request is made.

• Initial Complaint

  Date:12/21/2022

  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.

  Dear BBB,
  
  This has been recently brought to my attention. I have been bed bound for several years. Ameri financial solutions was placed on my credit reports on 07/27/2017. It is tarnishing all 3 major credit reports Experian, Equifax and TransUnion. I never received communication via any means (mail, email or phone) from this company. This is now over 5 years past the legal statute of limitations in my home state of Florida. I am a Christian missionary. Several years ago, I developed a very rare disease and survived a partial amputation. I am currently on State disability benefits, home bound, and do not own a car or drive. I need assistance for everything. Due to the DAMAGE ON MY CREDIT, I am unable to get the multiple therapy treatments I need to resume mobility and strength. I ask that you kindly remove this ASAP from all 3 credit agencies so I can start my treatments after the Holidays in ***** name I Pray.
  
  Regards,
  
  Melissa C

  Business Response

  Date: 01/05/2023

  Business Response /* (1000, 5, 2022/12/21) */
  After reading about the consumer's hardships a decision has been made to close the account and request that it be removed from the consumer's credit. On 12/21/22, AmeriFinancial Solutions (AFS) made the request to have the account removed but does not control the time in which it takes the bureaus to remove an account. When this account was placed for collections, a letter was mailed to the consumer. In general, the applicable statute of limitation deals with the ability of one party to commence a legal action against another party. The running of a statute of limitation limits the remedies available to collect a debt but not the debt itself. AFS wishes all the best to the consumer.
  
  
  Consumer Response /* (2000, 7, 2022/12/25) */
  (The consumer indicated he/she ACCEPTED the response from the business.)

• Initial Complaint

  Date:12/12/2022

  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.

  Re: Account #'s XXXXXXxx, XXXXXXxx, XXXXXXxx, XXXXXXxx, XXXXXXxx, XXXXXXxx, XXXXXXxx
  
  
  I sent a letter to Amerifinancial Solutions on January 28, 2022, about some collection they reported on my credit report. I told them I was writing them a letter to tell them to send the debt back to the original creditor (Wake Emergency Phys P.A.) that sold it to them. It's illegal but not enforceable for a collection agency to buy debt from another company, then go after that person as if they had a contract with their collection agency. I know this collection agency does not have any paperwork showing that I made agreements with you with my signature. I told them that if their collection agency does not send this debt back to the original creditor, I will file a complaint with the CFPB, BBB, FTC, and the Attorney General. Also, I will hire a consumer attorney to sue your company for injuries up to $1,000. I will also file complaints against the credit bureaus. Despite a previous written request on January 28, 2022, these debts that I told them to send back to the original creditor, these items still remain on my credit report in violation of Federal Law.

  Business Response

  Date: 01/03/2023

  Business Response /* (1000, 5, 2022/12/15) */
  AmeriFinancial Solutions (AFS) does not purchase debt and does not own the debts referenced in the consumer's complaint. AFS does not claim to have a contractual relationship with the consumer. AFS is a collection agency collecting bills for services rendered to the consumer by Wake Emergency Phys P.A (Wake). The consumer's accounts were placed with AFS for collections. Wake has the right to place accounts with a third-party collection agency and the placed accounts will not be returned. AFS denies any violation of federal law in the handling of these accounts. AFS looks forward to assisting the consumer. AFS can be reached at XXX-XXX-XXXX. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. NC Company # XXXXXXXXX.

• Initial Complaint

  Date:12/09/2022

  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.

  When reviewing my credit report from 3 bureaus I noticed that Amerifinancial was listed with a balance of $927. I reached out to credit bureaus and disputed since I have no business with this company and never heard of them. Apparently, they reported back to credit bureau that this is accurate information and it's me. I then reached out to them that I have no knowledge of the said account, that I never signed or gave permission to any outside company for anything medical. I also stated that they were violating HIPPA with having my medical records when permission was not given. I was then told that they do not have my medical records as which time I stated well this says medical collection. I sent a certified mail to them requesting that they provide payment history, procedure/s or what took place, Doctor I saw, what was diagnosis, itemized billing, and my signature stating that they can have my account. They stated that they do not have to do that which legally is not true. Now they have changed the account open date and the status still shows Open Account which is not accurate legally if they claim it to be a collection company. They are impacting my credit in a negative way and causing me to lose future funding.

  Business Response

  Date: 01/03/2023

  Business Response /* (1000, 5, 2022/12/14) */
  The consumer's case description includes inaccuracies. AmeriFinancial Solutions (AFS) has never spoken directly with the consumer so the consumer's comment about any conversation that was had with AFS is not accurate. AFS does not claim to have a business relationship with the consumer. AFS is a collection agency attempting to collect a debt on behalf of a provider of medical services. Pursuant to the consumer's validation request documentation was obtained from the provider and mailed to the consumer on or about 8/15/2022. That documentation would have enabled the consumer to understand the nature of the debt informing the consumer of the invoice number, physician, facility, date of service, service description, CPT code, charge, payment, adjustment, and balance. The consumer's HIPAA rights have not been violated. Pursuant to HIPAA, a covered entity is permitted to release Protected Health Information for treatment, payment, or healthcare operations. According to HHS the term "Payment" encompasses *** 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. A provider does not need a consumer's consent to place an account with a collection agency. AFS does not have the consumer's medical records. Medical records are kept by the facility where the services were rendered. The consumer's credit report accurately reflects the amount due and the date of first delinquency. The account has been properly updated as being disputed by the consumer. AFS looks forward to assisting the consumer in resolving this matter. If the consumer wants AFS can be reached at XXX-XXX-XXXX. Please reference account #XXXXXXXX . 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:11/28/2022

  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 received a notice that I have a collection from AMERIFINANCIAL SOLUTIONS on my credit report. It says it was opened on 02/07/2020 for $175.00 with account number starting in ******** 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 FCRA and FDCPA.
  
  I would like for this collection to be removed asap or I will file a CFPB and FTC report.

  Business Response

  Date: 12/26/2022

  Business Response /* (1000, 5, 2022/12/02) */
  AmeriFinancial Solutions (AFS) does not claim to have a contractual relationship with the consumer. AFS is a collection agency collecting a bill for services rendered to the consumer. The consumer's account was placed with AFS for collections. The account is not being reported as being owed to AFS. AFS is furnishing data on behalf of the company that provided services to the consumer. If the consumer looks closely at the credit report it will indicate the name of the provider of services. When the account was placed with AFS the consumer was sent a letter explaining the debt. Further documentation will be mailed to the consumer at the address on the BBB complaint which will enable the consumer to have a better understanding of the nature of the debt. AFS has not violated the consumer's FCRA or FDCPA rights. AFS looks forward to assisting the consumer. AFS can be reached at XXX-XXX-XXXX. Please reference account # XXXXXXXX. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. NC Company # XXXXXXXXX.

• Initial Complaint

  Date:11/28/2022

  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 WAKE EMERGENCY PHYS P A and I do not have a contract with AMERIFINANCIAL SOLUTION plus they did not provide me with the original application like I asked.
  
  account number: ********
  amount disputed: $772.00

  Business Response

  Date: 12/26/2022

  Business Response /* (1000, 5, 2022/12/01) */
  AmeriFinancial Solutions (AFS) does not claim to have a contractual relationship with the consumer. AFS is a collection agency attempting to collect a debt on behalf of Wake Emergency Physicians PA for services rendered to the consumer. The consumer's account was placed with AFS for collections. Pursuant to the consumer's request on 7/12/2022 documentation was mailed to the consumer that would enable the consumer to understand the nature of the debt and the services rendered. That document lists the name of the individual who rendered care, the facility at which the care was rendered, the date service was rendered, description of the service, procedure code, charge for the service and balance. The current balance due is after a claim was processed by the consumer's insurance. Insurance made a payment, adjustment and left the remaining balance as patient responsibility. The consumer may wish to contact the insurance carrier to determine how the claim was processed. The document that was mailed to the consumer was supplied to this office by the provider and serves as proper validation of the debt. Notice was sent to the credit bureau to have this account updated as disputed. The consumer may feel free to call AFS at XXX-XXX-XXXX to discuss this matter in greater detail. The consumer's account number is XXXXXXXX. AFS looks forward to assisting 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. NC Company # XXXXXXXXX.

• Initial Complaint

  Date:11/25/2022

  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 received a notice that I have a collection from AMERIFINANCIAL SOLUTIO on my credit report. It says it was opened on 01/01/2019 for $570 with account number starting in ******** 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 FCRA and FDCPA.
  
  I would like for this collection to be removed asap or I will file a CFPB and FTC report.

  Business Response

  Date: 12/26/2022

  Business Response /* (1000, 5, 2022/12/02) */
  AmeriFinancial Solutions (AFS) does not claim to have a contractual relationship with the consumer. AFS is a collection agency collecting a bill for services rendered to the consumer. The consumer's account was placed with AFS for collections. The account is not being reported as being owed to AFS. AFS is furnishing data on behalf of the company that provided services to the consumer. If the consumer looks closely at the credit report it will indicate the name of the provider of services. When the account was placed with AFS the consumer was sent a letter explaining the debt. Further documentation will be mailed to the consumer at the address on the BBB complaint which will enable the consumer to have a better understanding of the nature of the debt. AFS has not violated the consumer's FCRA or FDCPA rights. AFS looks forward to assisting the consumer. AFS can be reached at XXX-XXX-XXXX. Please reference account # XXXXXXXX. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. NC Company # XXXXXXXXX.