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Initial Complaint
09/08/2023
Complaint Type:
Billing Issues
Status:
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.
I am not liable and should not be liable with *******. I do not have a contract with AFNI, INC. They did not provide me with the original contract as I have requested from them.
Customer response
09/08/2023
Yes. I've reached out to the company and I requested that this be removed and there has been no communication on there end
Business response
09/15/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On January 20, 2020, **** forwarded the subject account, **** account #: *********, Afni, Inc. account #: *********-01, with Afni for collections on the balance of $215.44.
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. Afni has 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 ***** *********
Customer response
09/20/2023
I am rejecting this response because: I have not had an account with **** hence me asking for this account to be deleted.

Business response
09/21/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On January 20, 2020, **** forwarded the subject account, **** ******* account #: *********, Afni, Inc. account #: *********-01, with Afni for collections on the balance of $215.44.
The account is for services established on July 1, 2014, until **** considered the account delinquent on February 6, 2022. The service address associated with the account is ***** ****** ***** ****** ******** ** *****. Afni mailed the initial notice of the account on or about February 12, 2020. On May 10, 2020, Afni furnished the credit reporting agencies with notice of the account. On June 24, 2020, the consumer spoke with an Afni representative regarding this account and stated that they believed this account was already taken care of. On February 2, 2022, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report.
On September 21, 2023, Afni received this complaint. In response, Afni ceased communication and initiated an investigation. To address the consumer’s concern, the account was updated as potential identity theft as the consumer denied knowledge of any service with ****. A fraud packet is attached for the consumer’s completion, or the consumer may go to *************************. Afni encourages the consumer to return the Fraud Affidavit within 21 days to **** for investigation. The completed affidavit to **** at fax number ***** ******** or mailed to **** *******/******** ***** ** ******** ******* **** *** **** *********** ** *****. 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 ****'s Fraud Department at ***** ******** if they have any questions regarding the fraud process. Again, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report. 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
09/22/2023
I am rejecting this response because:

This needs to be removed from my credit report
Initial Complaint
09/07/2023
Complaint Type:
Billing Issues
Status:
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.
I am not liable for this debt with ******, I do not have a contract with AFNI, INC , they did not provide me with the original contract as I requested
Customer response
09/08/2023
Hello, yes I’ve corresponded with the creditor multiple times via phone call and expressed my request after being harassed.
Business response
09/15/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On September 19, 2022, ****** forwarded the subject account, ****** account #: *********, Afni, Inc. account #: ************, with Afni for collections on the balance of $ 1,172.39.
In response, Afni ceased communication and initiated an investigation. Afni has attached copies of the account billing statements to this response; these are provided as validation of the account. Afni has provided bill copies for the consumer's reference. To address the consumer’s concerns, 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 has 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 ***** *********
Initial Complaint
08/23/2023
Complaint Type:
Billing Issues
Status:
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.
I am not aware of this account. I have reached out to 3 credit bureaus and AFNI INC. to have this account removed from my file and they always say the same excuse, which is no longer acceptable. I have filed an *** complaint because I believed this is an outcome of identity Theft. Regardless of all actions done on my end, there was no action from 3 Bureaus. Thus, I am reaching out to seek assistance to have AFNI INC. that I have no account with them and 3 credit bureaus can simply remove it from my credit.
Business response
08/23/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On November 5, 2022, ******** forwarded the subject account, ******** account #: *********, Afni, Inc. account #: ********* -01, with Afni for collections on the balance of $1,552.28.
The account is for services established on July 27, 2019, until ******** considered the account delinquent on August 20, 2020. The billing address associated with the account is **** ******** **** ****** ************* ** *****. Afni mailed the initial notice of the account on November 10, 2022. On December 25, 2022, Afni furnished the credit reporting agencies with notice of the account.
On August 23, 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, Afni is not in receipt of any dispute from the credit reporting agencies, as this complaint is the first notification Afni has received from the consumer regarding their claims of identity theft. 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 **********************, 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 ***** ********. 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. 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 ***** *********
Initial Complaint
08/21/2023
Complaint Type:
Billing Issues
Status:
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.
AFNI c/o ******* has placed a collections on my credit and I have never has *******. I have lived at my address since 2012 and ******* does not even service this area. I have contact ******* on multiple occasions to get this resolved with no help. They placed this account on my credit file for $477 and I have NEVER had *******.
Business response
08/22/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On March 30, 2023, ******* forwarded the subject account, ******* account #: ****************, Afni, Inc. account #: *********-01, with Afni for collections on the balance of $477.03.
The account is for services established on January 1, 2019, until ******* considered the account delinquent on May 26, 2019. The service address associated with the account is **** ***** **** ****** ********* ** *****. Afni mailed the initial notice of the account on April 1, 2023. On July 23, 2023, Afni furnished the credit reporting agencies with notice of the account. On July 31, 2023, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately. On August 13, 2023, Afni made the business decision to request the credit reporting agencies to remove the account from the consumer’s credit report.
On August 22, 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, when a consumer submits a dispute through the credit reporting agencies, Afni responds directly to the credit reporting agencies. The account was updated as potential identity theft as the consumer denied knowledge of any service with Comcast. Afni encourages the consumer to visit ********* fraud website at **************************************, which discusses the process and documentation needed for the fraud investigation. Your claim of fraud will cease all collections by Afni on this account. Additionally, the consumer should contact ********* ******** ***** ********** ** ***** ******** if they believe the account is not theirs or feels this is a case of identity theft. Again, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report on August 13, 2023. 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 ***** *********
Initial Complaint
08/20/2023
Complaint Type:
Billing Issues
Status:
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.
I’m not liable for this debt with ** ******. I do not have a contract with AFNI they did not provide me with the original contract as requested.
Business response
08/21/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On June 13, 2022, ****** forwarded the subject account, ****** account #: *********, Afni, Inc. account #: *********-01, with Afni for collections on the balance of $428.85.
In response, Afni ceased communication and initiated an investigation. To address the consumer’s concerns, 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 ***** *********
Initial Complaint
08/19/2023
Complaint Type:
Billing Issues
Status:
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.
I am not liable to this debt with * ******. I do not have contract with Afni inc, they did not provide me with Orignal contract as I requested.
Business response
08/21/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On October 6, 2022, ******** forwarded the subject account, ******** account #:*********, Afni, Inc. account #: ********* -01, with Afni for collections on the balance of $1,189.64.
In response, Afni ceased communication and initiated an investigation. To address the consumer’s concerns, 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 ***** *********
Initial Complaint
08/18/2023
Complaint Type:
Billing Issues
Status:
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.
I am not liable for this debt with ** *** ********. I do not have a contract with AFNI. They did not provide me with the origional contract as I requested.
Business response
08/18/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On June 5, 2023, **** forwarded the subject account, **** Mobility account #: ************, Afni, Inc. account #: *********-01, with Afni for collections on the balance of $1,109.17.
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. 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
08/23/2023
I am rejecting this response because:

I never signed a contract with this company. They have never shown me proof of any contract I have signed
Business response
08/24/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On June 5, 2023, **** forwarded the subject account, **** Mobility account #: ************, Afni, Inc. account #: *********-01, with Afni for collections on the balance of $1,109.17.
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. As previously address in the prior complaint response, 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 August 20, 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 (**** *********
Initial Complaint
08/17/2023
Complaint Type:
Billing Issues
Status:
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.
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 I requested.
Business response
08/18/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On February 27, 2023, ******* forwarded the subject account, ******* account #: ****************, Afni, Inc. account #: *********-01, with Afni for collections on the balance of $217.23.
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 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 ***** *********
Initial Complaint
08/16/2023
Complaint Type:
Billing Issues
Status:
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.
I am not liable for this debt with **** ********.I do not have a contract with AFNI,INC.They did not provide me with a copy of the original contract as requested.
Business response
08/18/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On April 12, 2023, **** forwarded the subject account, **** ******** account #: ************, Afni, Inc. account #: *********-01, with Afni for collections on the balance of $2,283.84.
In response, Afni ceased communication and initiated an investigation. To address the consumer’s concerns, Afni has confirmed that the consumer does have an ***T account that was placed with Afni. However, the subject account has not been purchased by Afni. Afni received the account from ***T and acts as an agent on behalf of ***T; therefore, the consumer would not have a contract with Afni. Additionally, a signed contract is not always required to initiate ***T 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 ***** *********
Initial Complaint
08/16/2023
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I am not liable for this debt with AFNI. I do not have a contract with ANFI. They did not provide me with the original contract as requested.
Business response
08/17/2023
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On December 27, 2022, ****** forwarded the subject account, ****** account #: *********, Afni, Inc. account #: *********-01, with Afni for collections on the balance of $552.85.
In response, Afni ceased communication and initiated an investigation. Afni has attached copies of the account billing statements to this response; these are provided as validation of the account. 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 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
08/17/2023
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, as long as the account is removed from my credit report. I have nothing to do with this account, and would like this removed as soon as possible.

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