ComplaintsforAfni, Inc.

• Initial Complaint

  01/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On February 26, 2001, I entered into an agreement with Afni. A debt collection agency for my ****** Account #*********. The account was paid in full in 5 months. After reaching out to them today, January 16, 2024 to ask why they are not reporting this account was paid in full, they stated that they could not find any information with my credentials. I would like to file a formal complaint on AFNI for not keeping records of my payment. This has resulted in distress to my mental health. I am looking for documentation from AFNI to show this has been resolved.

  Business response

  01/17/2024

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  The subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, was placed with Afni for collections on 01/21/2021 on the balance of $4356.11. The account was closed as settled in full on 08/06/2021.

  
  On January 16, 2024, Afni received this complaint.  In response, Afni initiated an investigation.   To address the consumer’s concern, Afni archived the account on 12/09/2023 per Afni's data retention process.  On January 16, 2024 the Afni agent attempted to locate the account in Afni’s agent facing account management system, however, was unable to view the account due to the archived status.  Afni confirms that the account was settled in full. Afni has communicated the settled in full status with the original creditor Sprint. Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if they would like to discuss the account, they may contact Afni at (**** *********

  Customer response

  01/23/2024

   I am rejecting this response because:
  I would like a letter sent to my address stating the account was settled in full. 
  
  

  Business response

  01/29/2024

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  As previously stated, the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, was placed with Afni for collections on 01/21/2021. The account was closed as settled in full on 08/06/2021. On January 23, 2024, Afni received this complaint response rejection. To address the consumer’s concern, Afni attached a settled in full receipt on the archived account.  Afni confirms that the account was settled in full. Afni has communicated the settled in full status with the original creditor Sprint. Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if they would like to discuss the account, they may contact Afni at ***** ********* 

• Initial Complaint

  01/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I was called for the very first time by this company today. I missed the call, so they immediately called my husband (how they got his phone number, I have no idea) and would not tell him why they were calling. I called back and was told I owe ******* almost $800, which is inaccurate because I cancelled my ******* service almost 4 years ago, and was in good standing when I cancelled. I don't owe ******* a dime, and if they're claiming I do, then we have bigger issues and I'll be speaking to an attorney. I told the person on the phone that the debt was inaccurate, she kept talking over me, and was rude to my husband, so I pretty quickly told her not to call me or my husband again, and which point she ended the call. This company (Afni) has been flagged on MULTIPLE consumer websites AS A SCAM, and has also been reviewed as being unprofessional, harassing people, etc.

  Business response

  01/16/2024

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  The subject account , ******* account #:  ****************, Afni, Inc. account #:  *********-01, was placed with Afni for collections on 01/31/2023 on the balance of $763.84.  The account is for services established on October 01, 2019, until ******* considered the account delinquent on January 18, 2020. The billing address associated with the account is ***** ******** *** ************ *** *****. Afni mailed the initial notice of the account with a balance of $763.84 on April 3, 2023.  

  On January 10, 2024, Afni received this complaint.  In response, Afni ceased communication and initiated an investigation.  To address the consumer’s concern, the ******* account was established under the name ***** ************ and last four of the social security number ****. The remaining balance on the account is $913.84 which includes equipment charges of $150.00. Afni does not collect on equipment charges. The remaining service charges of $763.84 match the balance placed with Afni. Afni has attached a copy of the final bill to the complaint response. Additionally, Afni reviewed two verbal communications that occurred on January 08,2024 and provided agent feedback. Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if they would like to discuss the account, they may contact Afni at ***** ********. 

  Customer response

  01/16/2024

   I am rejecting this response because:
  
  It's been 5 years, I'm not paying them a ******* dime.

• Initial Complaint

  12/07/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am being harassed by this company they are calling me non stop and sending letters to my family men address threatening me in different forms. I have continuously informed them to cease all communication with me they blatantly ignore my request and conduct harassment. This morning I received a call from a employee named **** ******** he used threatening language over the phone after I instructed him I have no knowledge of what he is referring to and he also provided me with someone else address which clearly was not associated with me. He then proceeded to tell me we can do this the easy way or hard way. That type of language is unacceptable he called me at my home threatening me if I don’t comply to his demands he will make things hard for me I am around my children when he mentioned this to me they are in fear now thinking something is going to happen to me and them. I am on edge currently due to this. I am requesting this company or Mr **** ******** cease from contacting me any further I am not aware of any contact or agreement with them I have never done business with this company this is my first time hearing this company Afni name.

  Business response

  12/14/2023

  This is in response to your CFPB inquiry. Afni appreciates the opportunity to respond to the claimant’s concerns. On May 22, 2023, **** ****** ******* forwarded the subject account, **** ****** ******* account #: *************, Afni, Inc. account #: ************, with Afni for resolution of the balance.
  The account is from an accident which occurred on April 4, 2023, involving a vehicle that was listed as belonging to the claimant, ***** ***** ******; a 2022/LAMBORGHINI/URUS 4D 4WD. The address provided by **** ****** ******* for Mr. ****** is ** ********* **** ***** ********** **. Afni spoke to claimant on June 9, 2023, who disputed involvement. The June 9, 2023 contact was the only contact Afni had with the claimant. During this contact, Afni verified Mr. ****** middle name off police report and that he has family that still lives at the address of ** ********* **** ***** ********** **. On November 21, 2023, **** ****** ******* requested Afni to cease collection activities and return the account. Afni has not and will not furnish the subject account to the credit reporting agencies.
  On December 7, 2023, Afni received this complaint. In response, Afni initiated an investigation. To address the claimant’s concerns, this is a tort, or wrongful act. There were no services provided to ***** ***** ****** and **** ****** ******* is pursuing ***** ***** ****** as he was the driver of the vehicle that struck **** ****** *******’s insured and was found to be responsible for the accident based on the investigation completed by **** ****** *******. Mr. ****** was traveling southbound on ***** ********** ****** and rear-ended **** ****** *******’s insured. **** ****** ******* has completed their investigation and has found that Mr. ****** was at fault for the accident and is listed as the driver. Afni has confirmed that on the date of loss there was not valid insurance to cover the damages that **** ****** ******* had to pay out to make their insured whole again. Additionally, Afni doesn’t have an employee named **** ********. Afni is no longer the subrogation agency handling the subject account. Further inquiries regarding the account should be directed to **** ****** *******.

• Initial Complaint

  12/06/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  *** ***** service say that I owe them for ****** service. I filed a chapter 7 bankruptcy and my lawyers sent case number to ***. I needed another line and was told that I cannot get service because I owe them thousands of dollars. I was given the number to Afni and gave them the case number and I was told that I didn't have a case. I called *** and asked for the number to the bankruptcy department and the number I was given was constantly busy. I feel as is *** is picking on me. Both companies are telling me to call the other, no-one is assisting with resolving the issue.

  Business response

  12/12/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On November 23, 2022, **** ******** forwarded the subject account, **** ******** account #: ************, Afni, Inc. account #: *********-01, with Afni for collections on the balance of $730.00.
  The account is for services established on August 31, 2020, until **** ******** considered the account delinquent and written off to collections on May 26, 2021.  Afni mailed the initial notice of the account on November 25, 2022.  On December 6, 2023, Afni received this complaint.  This was Afni’s first contact with the consumer.  In response, Afni ceased communication and initiated an investigation.  Per Afni’s investigation, it was determined that on August 21, 2023, **** *******y requested Afni to cease collections and return the account. During the time the account was placed with Afni, no notification of bankruptcy was received. Afni is no longer the collection agency handling the subject account. Further inquiries regarding the account should be directed to **** ******** client. Afni trusts this response has addressed the consumer’s concerns, but if questions remain regarding this response, they may contact Afni at ***** *********

• Initial Complaint

  10/10/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I am not liable for this debt with AFNI, Inc. I do not have a contract with AFNI, Inc. They did not provide me with the original contract as requested.

  Business response

  10/12/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On August 5, 2022, ******* forwarded the subject account, ******* account #: ****************, Afni, Inc. account #: *********-01, with Afni for collections on the balance of $534.53. On October 11, 2023, Afni received a dispute from the credit reporting agencies, reviewing all relevant information, will respond appropriately.
  In response, Afni ceased communication and initiated an investigation. To address the consumer’s concerns, when a consumer submits a dispute through the credit reporting agencies, Afni responds directly to the credit reporting agencies. Afni has confirmed that the consumer does have a ******* account that was placed with Afni. However, the subject account has not been purchased by Afni.  Afni received the account from ******* and acts as an agent on behalf of *******; therefore, the consumer would not have a contract with Afni. Additionally, a signed contract is not always required to initiate ******* services, as orders for services can be taken over the phone or via the internet, which are considered verbal and electronic signatures, respectively.  Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit report.  Please be aware that it can take the credit reporting agencies anywhere from 0 to 60 days to update consumer credit reports.  Afni has no control over how quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account is not due and owing, simply that Afni will no longer furnish the account to the credit reporting agencies.  Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if they would like to discuss the account, they may contact a Consumer Relations Specialist at (**** ********.

  Customer response

  10/17/2023

  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.

• Initial Complaint

  10/06/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I am not liable for this debt with ********, I do not have contract with AFNI, INC, they did not provide me with the original contract as requested.

  Business response

  10/09/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On May 28, 2023, ******** forwarded the subject account, ******** account #:  *********, Afni, Inc. account #: *********-01, with Afni for collections on the balance of $2,608.24. On October 7, 2023, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and will respond appropriately.
  In response, Afni ceased communication and initiated an investigation.   To address the consumer’s concerns, when a consumer submits a dispute through the credit reporting agencies, Afni responds directly to the credit reporting agencies.  Afni has confirmed that the consumer does have a ******** account that was placed with Afni. However, the subject account has not been purchased by Afni.  Afni received the account from ******** and acts as an agent on behalf of ********; therefore, the consumer would not have a contract with Afni. Additionally, a signed contract is not always required to initiate ******** services, as orders for services can be taken over the phone or via the internet, which are considered verbal and electronic signatures, respectively.  Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit report.  Please be aware that it can take the credit reporting agencies anywhere from 0 to 60 days to update consumer credit reports.  Afni has no control over how quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account is not due and owing, simply that Afni will no longer furnish the account to the credit reporting agencies.  Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if they would like to discuss the account, they may contact a Consumer Relations Specialist at ***** ********.

  Customer response

  10/15/2023

  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.

• Initial Complaint

  10/02/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Afni had reached out to stating I owe $6000 I payed them down to $1000 because the threatened my license. I have asked for receipts each time and never received a single one! They have now added fees to my case that were not discussed with me! I called today to ask for a extension and a man started yelling at me. I tried to talk and his voice got louder screaming at me , "did you hear what I said " I asked for a manager. He refused so I hung up. I'm a dv survivor and the way this man acts screams violence. No thanks, so I called back 30 mins on hold had to hang up again. I believe I have paid off the entire bill and even more than what was owed and I cannot get any answers or a single receipt! I want this squashed!

  Business response

  10/04/2023

  This is in response to your BBB inquiry. Afni appreciates the opportunity to respond to the claimant’s concerns. On July 14, 2020, Country Financial forwarded the subject account, ******* ********* account #: ***********, Afni, Inc. account #: ********* -04, with Afni for resolution on the balance of $6,890.76. On July 15, 2020, received an adjustment on the account of $1,042.58, making the new balance owed 5,848.18.
  The claim is from an accident which occurred on April 16, 2020, involving a vehicle that was listed as driven by the claimant, ******* ***************; 2003 Ford Explorer vin #: ***************** with license plate: ********. The address provided by ******* ********* for Ms. *************** is ** *** **** ******** ** *****. Afni has not and will not furnish the subject claim to the credit reporting agencies. On June 8, 2022, the claimant spoke with an Afni representative and agreed to re-open the file, as the claimant made an agreement for $250.00 a month until paid. On June 14, 2022, Afni received the first payment of $250.00 and the second payment was on June 30, 2022. Additionally, on June 30, 2022, Afni received another balance adjustment for the balance of $4,568.18 bringing the new balance owed to $10,416.36. The claimant then called in on June 28, 2022, and was advised of the installment agreement status. Again, the claimant called in on June 29, 2022, requesting a status update of the installment agreement. On June 30, 2022, the claimant spoke to another Afni representative requesting that the installment agreement be sent and was told that it would be escalated. Then again, on July 1, spoke to multiple Afni representatives, regarding the status of the installment agreement.  Afni mailed the installment agreement to the consumer on July 1, 2022. Then on July 5, 2022, another adjustment was made to the account for $4,568.18 to bring the new balance owed back to $5,348.18. The claimant has made payments on the account bringing the balance owed now to $2,098.18. On October 2, 2023, the claimant spoke with an Afni representative and explained their situation. The Afni representative explained that they were unable to put an extension on the account till tax time to restart payments as that would default the installment agreement and could result in the suspension of the claimant’s driving privileges. The claimant then asked for a supervisor and the call then became disconnected. Additionally, the claimant called back in and spoke with another Afni representative and was able to work out another arrangement to fit within the claimant’s situation for $125.00 a month.
  On October 3, 2023, Afni received this complaint. In response, Afni ceased communication and initiated an investigation. To address the claimant’s concerns, this is a tort, or wrongful act.  There were no services provided to Ms. ********-****** and ******* ********* is pursuing Ms. ********-****** as she was the driver of the vehicle that struck ******* *********’s insured and was found to be responsible for the accident based on the investigation completed by Country Financial and the attached police report. Per the attached police report, Vehicle 2 (******* *********’s insured) was traveling west on ***** **** *********** ****** and Vehicle 1 (Ms. ********-******) collided with Vehicle 2 (******* *********** insured) in the intersection of ******* ****** *** *********** ******. Vehicle 1 (Ms. ********-******) received citations for operating an uninsured motor vehicle and failure to reduce speed to avoid an accident. ******* ********* has completed their investigation and has found that Ms. ********-****** was at fault for the accident and the driver listed on the police report. Additionally, due to the allegations by the claimant, Afni reviewed the call in question.  Afni apologizes for any inconvenience this may have caused the consumer and appreciates the opportunity to resolve this matter. Additionally, Afni has addressed the situation with the representative that the claimant spoke with and apologizes for the negative experience that she had. Afni mails the claimant payment reminders of when the payment is due or to be withdrawn from the claimants account. However, the remaining balance is still considered to be due and owning. As the claimant has requested, Afni will no longer contact the claimant about this account. As previously noted, the claimant has a payment arrangement set up monthly starting on October 31, 2023. Afni trusts that this response has addressed all of the claimant’s concerns, but if questions remain, or if Ms. ********-****** would like to discuss the ******* ********* account further, she may contact an Uninsured Motorist representative at ***** *********

• Initial Complaint

  09/26/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this dept with ** ** * ********. I don not have a contract with AFNI, they did not provide me with the original contracts I requested.

  Customer response

  09/27/2023

  I have spoken to someone a few times about this collection but I have never received documents.

  Business response

  09/27/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On December 15, 2022, **** forwarded the subject account, **** Mobility account #:  ************, Afni, Inc. account #: *********-01, with Afni for collections on the balance of $312.93.
  The account is for services established on March 15, 2021, until **** considered the account delinquent on April 6, 2021.  Afni mailed the initial notice of the account on or about December 17, 2022.  On February 5, 2023, Afni furnished the credit reporting agencies with notice of the account.  On February 15, 2023, the consumer spoke with an Afni representative. On September 11, 2023, **** requested Afni to cease collections and return the account.  On September 17, 2023, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report. 
  On September 27, 2023, Afni received this complaint.  In response, Afni ceased communication and initiated an investigation.   To address the consumer’s concerns, Afni has confirmed that the consumer did have an **** account that was placed with Afni. However, the subject account has not been purchased by Afni.  Afni received the account from **** and acts as an agent on behalf of ****; therefore, the consumer would not have a contract with Afni. Additionally, a signed contract is not always required to initiate **** services, as orders for services can be taken over the phone or via the internet, which are considered verbal and electronic signatures, respectively.  Again, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report.  Please be aware that it can take the credit reporting agencies anywhere from 0 to 60 days to update consumer credit reports.  Afni has no control over how quickly the credit reporting agencies update consumer credit reports.  Afni is no longer the collection agency handling the subject account.  Further inquiries regarding the account should be directed to ****.

• Initial Complaint

  09/25/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I am not liable for this debt with ******. I do not have a contract with AFNI, they did not provide me with the original contract as I requested.

  Customer response

  09/26/2023

  This debt is not owed by me an previously removed from my credit from another company. I believe this information was sold to AFNI.  This false debt was removed from my credit by 2 of the three major credit bureau but remains on one of my credit reports which I am demanding be removed. I do not have a contract with afni. I asked for the original contract which has not been made available to me. I asked that they stop trying to pursue this debt with me to no avail. I related this information to afni via phone call placed by them. 

  Business response

  09/27/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On August 29, 2022, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, with Afni for collections on the balance of $1,111.93.
  The account is for services established on February 26, 2005, until ****** considered the account delinquent on November 2, 2019.  Afni mailed the initial notice of the account on or about September 3, 2022.  On October 16, 2022, Afni furnished the credit reporting agencies with notice of the account.  On September 17, 2023, Afni made the business decision to request the credit reporting agencies to remove the account from the consumer’s credit report. 
  On September 27, 2023, Afni received this complaint.  This was Afni’s first contact with the consumer.  In response, Afni ceased communication and initiated an investigation. To address the consumer’s concerns, the subject account has not been purchased by Afni.  Afni received the account from ****** and acts as an agent on behalf of ******; therefore, the consumer would not have a contract with Afni.  Additionally, a signed contract is not always required to initiate ****** services, as orders for services can be taken over the phone or via the internet, which are considered verbal and electronic signatures, respectively.  Afni has no knowledge of what another company may have done regarding this account or regarding any prior credit reporting.  Afni has had no contact with the consumer as this complaint is the first notification Afni has received regarding a potential dispute on this account. The account was updated as potential identity theft as the consumer denied knowledge of any service with ******.  Afni encourages the consumer to visit ******'s fraud website at www.******.com/fraud, which discusses the process and documentation needed for the fraud investigation. Placing a fraud alert with the credit reporting agencies is a suggestion and not required to investigate a fraud claim.  The consumer may also contact ****** directly if they have any questions regarding the fraud process at ***** ********.   Again, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report.  Please be aware that it can take the credit reporting agencies anywhere from 0 to 60 days to update consumer credit reports.  Afni has no control over how quickly the credit reporting agencies update consumer credit reports.  Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if they would like to discuss the account, they may contact a Consumer Relations Specialist at ***** ********.

  Customer response

  10/02/2023

  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.

• Initial Complaint

  09/25/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with ****. I do not have a contract with AFNI. They have not provided me with the original contract as I requested.

  Customer response

  09/25/2023

  I have send out two different letters and answers. I have had for proof of this bill and contract with this company. 

  Business response

  09/26/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On April 26, 2023, **** forwarded the subject account, ******* account #:  *********, Afni, Inc. account #: *********-01, with Afni for collections on the balance of $320.25.
  In response, Afni ceased communication and initiated an investigation.  To address the consumer’s concerns, Afni has confirmed that the consumer does have an **** account that was placed with Afni. However, the subject account has not been purchased by Afni.  Afni received the account from **** and acts as an agent on behalf of ****; therefore, the consumer would not have a contract with Afni. Additionally, a signed contract is not always required to initiate **** services, as orders for services can be taken over the phone or via the internet, which are considered verbal and electronic signatures, respectively.  On September 17, 2023, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report.  Please be aware that it can take the credit reporting agencies anywhere from 0 to 60 days to update consumer credit reports.  Afni has no control over how quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account is not due and owing, simply that Afni will no longer furnish the account to the credit reporting agencies.  Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if they would like to discuss the account, they may contact a Consumer Relations Specialist at ***** *********

*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. ↩