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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

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    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:09/21/2022

      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 sent in multiple letters on August 21, 2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.
      15 U.S code 1692 (g) validation of debt
      15 U.S code 1692d harassment and abuse
      15 U.S code 1692e False or misleading representations
      15 U.S code 1692f-Unfair practices
      Under 15 U.S code 1692k civil liability


      I demand $1,000 for each violation as you have caused severe damage to my character or remove it at once in the credit report.

      Business Response

      Date: 11/02/2022

      Business Response /* (1000, 5, 2022/09/28) */
      The letter attached to the consumer's complaint is dated 8/21/2022 and has yet to be seen by this office. Seeing as this office now has a copy of the letter, pursuant to 15 USC 1692g(b) documentation will be requested from the creditor to verify the debt and mailed to the consumer. The consumer's allegations of violations of 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices are unfounded. There have been no such violations. A request has been made to have this debt updated as disputed on the consumer's credit report. This office looks forward to working with the consumer in resolving this matter. 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:09/19/2022

      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.
      I am not liable for this debt with "Amerifinacial Solutions"(collection Agency), or "Emergency Physians of Central Fl"(original Creditor) and do not or ever had any type of contract with either of these companies. Original documents were not provided as requested.

      Business Response

      Date: 10/17/2022

      Business Response /* (1000, 5, 2022/09/22) */
      Per the consumer's desired resolution and after a review of the account a request will be made to the credit bureau to have account 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.


      Consumer Response /* (2000, 7, 2022/09/26) */
      (The consumer indicated he/she ACCEPTED the response from the business.)
      a request will be made to the credit bureau to have account removed from my credit Report.

    • Initial Complaint

      Date:09/08/2022

      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.
      The FDCPA 15 U.S.C. § 809. Validation of debts (15 USC 1692g) subsection (b)

      Business Response

      Date: 10/07/2022

      Business Response /* (1000, 5, 2022/09/14) */
      To assist the consumer in resolving this complaint. Amerifinancial Solutions (AFS) would ask for more details as to the facts of the consumer's complaint. If the consumer is requesting validation of his debt pursuant to a previous request verification was mailed to the consumer on or about 3/18/2022. 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:08/26/2022

      Type:Service or Repair 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.
      This company is not properly verifying my information and is incorrecty reporting to the Credit Bureaus. There also appears to be duplicate information being reported on my credit report by this company.

      Business Response

      Date: 10/07/2022

      Business Response /* (1000, 5, 2022/09/01) */
      AmeriFinancial Solutions (AFS) has no record of receiving a request for validation from the consumer. Now that a request has been received documentation will be mailed to the consumer that will enable him to understand the nature of the debts. The accounts are being reported properly. There is no duplicate information being reported. If the consumer wishes he can call AFS at 800-753-7100. Please reference account number XXXXXXXX. AFS looks forward to assisting the consumer in resolving this matter. This is an attempt to collect a debt by a debt collector and any information obtained shall be used for that purpose .NC Company#XXXXXXXXX.

    • Initial Complaint

      Date:08/24/2022

      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 with AmeriFinancial Solutions and do not have a contract with them. They did not provide me with the any original documents or signatures like I asked. This debt was not properly validated.

      Experian
      Account # XXXXXXXX

      Business Response

      Date: 10/07/2022

      Business Response /* (1000, 5, 2022/08/30) */
      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 the creditor/provider Emergency Physicians of Central Florida, LLP. The consumer's statement the debt was not properly validated in inaccurate. Pursuant to the consumer's request on or about 6/13/2022 documentation was mailed to the consumer that would enable him to understand the nature of the debt. As a courtesy a copy of that documentation will be mailed to the consumer. AFS stands ready to assist the consumer in resolving this matter. If the consumer wishes, he can call AFS at XXX-XXX-XXXX. Please reference account number XXXXXXXX. A request was sent to the credit bureaus to have this account marked as disputed. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose.


      Consumer Response /* (3000, 7, 2022/09/06) */
      (The consumer indicated he/she DID NOT accept the response from the business.)
      My rights under the FCRA has been violated and I demand that they Delete this unauthorized debt from my account.


      Business Response /* (4000, 9, 2022/09/09) */
      In order to assist the consumer in resolving this matter AFS would ask that the consumer elaborate on what FCRA rights he believes were violated. As stated in a previous response verification of the debt was mailed to the consumer that would enable him to understand the nature of the debt and a request was sent 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:08/22/2022

      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.
      August 2022

      this business keeps checking my credit hurting my score. I have already disputed the accounts with this business I want the hits against my credit removed immediately. The original account has already cashed payments checks that they agree the account is paid in full as marked on the check. I want this resolved and I want no credit hits from this company on my credit.

      Business Response

      Date: 09/09/2022

      Business Response /* (1000, 5, 2022/08/29) */
      The consumer seems to be claiming an Accord and Satisfaction because he wrote the words "paid in full" on a partial payment he made to the provider. Simple writing the words "paid in full" on a check alone does not satisfy the requirements of an Accord and Satisfaction. Unilaterally mailing in a check would not be satisfactory. The provider is currently investigating the consumer's claim. AmeriFinancial Solutions (AFS) looks forward to assisting the consumer in resolving this matter. As a courtesy AFS has made a request to have the accounts in question removed from the consumer's credit, but at this time the provider does not consider this matter resolved. If the matter is not resolved the accounts may be reported back to the credit bureau. 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:08/19/2022

      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.
      Account Name: AMERISOL (Original Creditor: EMERG PHYS OF CENTRAL FL LLP)
      Account Number: ********
      Balance: $492.00
      I do not validate this debt because this account isn't mine! This is a violation of HIPAA privacy! How did you even verify this collection? I didn't give my permission for someone to have this medical account on my credit report. You're violating my privacy! Remove this from my credit file. ASAP!

      Business Response

      Date: 09/09/2022

      Business Response /* (1000, 5, 2022/08/22) */
      The account was originally placed with AmeriFinancial Solutions (AFS) on 6/22/2020 by the creditor/provider, EMERG PHYS OF CENTRAL FL LLP. At the time of placement, a validation letter was mailed to the consumer. The consumer failed to respond to that letter so on or about 8/29/2020 the account was reported to the credit bureaus. In response the consumer's BBB complaint documentation will be mailed to the consumer that should enable the consumer to understand the nature of the debt. The reporting of this debt does not violate HIPAA or the consumer's privacy. Furthermore, the consumer's permission is not required to report this debt. If the consumer wishes, she can call our office at 800-753-7100. AFS would like to assist the consumer in resolving this matter. The consumer can 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:08/08/2022

      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 checked my credit report and noticed I had 1 allege collection from (AMERIFINANCIAL SOLUTION) was opened in (08/13/2021) balance is ($1241.00) with account numbers starting in (2783****) I do not recognize having any agreement with AMERIFINANCIAL SOLUTION and I am not liable for these accounts. This alleged debt is not mine I never entered into a signed agreement or completed an original contract with (AMERIFINANCIAL SOLUTION). These inaccurate collections are NOT MINE. I never provided any written consent or permissible purpose for this allege creditor (AMERIFINANCIAL SOLUTION) to report on my consumer report. I AM THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report. This is a violation of U.S. Code 1681b permissible purposes of consumer reports.

      Pursuant to 15 U.S. CODE 1681b(a)(2)- Permissible purpose, of consumer reports. (A) in general Subject to subsection (c) any consumer reporting agency may furnish a consumer report under the following circumstances and no other (2) In accordance with the written instructions of the consumer to whom it relates. I NEVER PROVIDED WRITTEN PERMISSION OR ANY CONSENT to pull my consumer report. This is a violation and also identity theft!

      15 U.S.C. 1681c-2- Block of information resulting from identity theft.
      15 U.S. Code 1681n- a In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of (1)(A) any actual damages sustained by the consumer as result of the failure or damages of not less than $100 and not more than $1,000 or (3) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorney's fees as determined by the court.
      You have no right under the law to send me any type of communication what so ever. Cease and Desist all communication immediately.

      Business Response

      Date: 09/09/2022

      Business Response /* (1000, 5, 2022/08/16) */
      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 the creditor/provider Emergency Care of Atlanta, Inc. AFS has not violated the consumer's FCRA rights. The consumer appears to be misquoting sections of the FCRA as the sections the consumer is quoting are applicable to consumer reporting agencies and AFS is not a consumer reporting agency as defined by the FCRA. AFS stands ready to assist the consumer in resolving this matter. If the consumer wishes, he can call AFS at 800-753-7100. Please reference account number XXXXXXXX. A request was sent to the credit bureaus to have this account marked as disputed. The consumer has requested that AFS cease and desist from communicating with him. AFS will honor that request. If the consumer wants documentation about the debt, AFS will send it to the consumer upon his request. 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:08/02/2022

      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.
      Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account. Delete this unverified and misleading account.

      Business Response

      Date: 09/09/2022

      Business Response /* (1000, 5, 2022/08/10) */
      On or about 5/6/2022 documentation was mailed to the consumer that would enable him to understand the nature of the debt. The documentation mailed to the consumer contained the name of the provider/creditor to whom the debt is owed, the treating physician, the facility where the services were rendered, the services rendered, the original charges, payments and adjustments and the balance due. The documentation shows the consumer's insurance was billed made adjustments and left the remaining balance as the insured's responsibility. If the consumer would like a complete copy of the record, he may request that from the facility where the services were rendered as the facility is the custodian of those records. AFS would like to work with the consumer in resolving this matter. The consumer may call XXX-XXX-XXXX. 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:07/28/2022

      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 Solutions contacted me through mail about a debt of the bill from a physician while I was hospitalized in April,2022. I agreed to make payments of $10/mthly. I have proofs of checks and though making payments this company is vicious and ignorant when contacting about the issues of flagging my credit scores. June,2022 check has been deposited and my credit scores been flagged. In July a check has been $10 for payment and my credit score has been flagged. I need help to stop this sucker for doing that. I called AFS that I am paying why they are doing that too I flagged my credit scores every month? That is not helping me but dropping my scores. They reply to me that they have to reported my payment every month to which I told them they are lying and it hurting me by doing that.
      Need help to stop t this company to Flagg my credit scores.

      Business Response

      Date: 09/09/2022

      Business Response /* (1000, 5, 2022/08/04) */
      The account in question, XXXXXXXX, has a date of service of 7/11/2021. The placement date of the account was 10/25/2021 at which time a letter was mailed to the consumer on or about 10/27/2021. When the consumer failed to respond to that letter the account was reported to the credit bureau on 1/9/2022. On 4/25/2022, the consumer called AmeriFinancial Solutions (AFS) and made a payment over the phone in the amount of $25.00 and a payment plan was set in the amount of $25.00 per month. The consumer made two subsequent payments of $10.00 posted to the account on 6/24/2022 and 7/21/2022. The consumer called AFS on 7/18/2022 changed her payment arrangement to $10,00 per month and then called AFS on 7/27/2022 and changed her payment arrangement to $5.00 per month with the first $5.00 payment due 8/25/2022. As for the reporting of the account. AFS is not acting in a vicious or ignorant manner. As stated above the account was originally reported on 1/9/2022. Every time the consumer makes a payment on the account a report will be sent to the credit bureau to update the original amount reported to reflect the payment made. AFS is not flagging the consumer's credit score and has nothing to do with how the credit bureau calculates a credit score. If the consumer wishes to discuss this matter in greater detail, she can feel free to call AFS at 800-753-7100. AFS looks forward to assisting the consumer in resolving this matter. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose.


      Consumer Response /* (3000, 7, 2022/08/07) */
      (The consumer indicated he/she DID NOT accept the response from the business.)
      AFS is not truthful for this account. I have never agree to pay $25 monthly only on that month. I have told them I will try to pay as much I can but as for today I will pay $25. I also paying other hospital bills that went to collections but none of my hem are aggressive and sending an update as AFS said. It is a flagged on my credit score and it keep dropping it. On July 16 & July 26 they flagged my credit score. I have proofs and and can send it to prove it. It says flagged and I wanted AFS to remove both flagging that is on my credit score. I called numerous times and they are vicious and ignorant about my payment which is been sent monthly. They also said I must send my payment three weeks before the payment date which it takes at least 7 days to enter in their system. Have never heard of a company like this. I need them o remove the flagging system h they put and causing a decrease in my credit score 2 times in a month.


      Consumer Response /* (4200, 10, 2022/08/11) */
      ***Document Attached***
      AFS is not truthful in their statement about flagged my c edit scores and here I have the report. It clearly stated they fagged my credit scores, even they collected a check on both months in June and July.


      Business Response /* (1000, 15, 2022/08/22) */
      The consumer's statement about AFS not being truthful is inaccurate. As stated in our previous response when the consumer makes a payment a report is sent to the credit bureau to update the original amount reported to reflect the payment made. AFS is obligated to report a payment so that the account being reported is accurate. The consumer may want to contact Experian to inquire as to the statement Experian is making "AFS has flagged your account as collections 7/26/2022." AFS is reporting a payment, does not control how Experian interprets the reporting of that payment or how it effects the consumer's credit score. AFS appreciates that fact that the consumer is making payments on the account. If the consumer wants, she can feel free to call our office at XXX-XXX-XXXX. AFS would be happy to discuss her account in greater detail. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose.

    AmeriFinancial Solutions, LLC is NOT a BBB Accredited Business.

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