AFNI INC.
Consumer Complaints
There are over 2808 complaints on file for AFNI INC.. Dated between 2019-12-13 and 2013-07-10.
Complaints Page 3
2019-09-26
Scottsdale, AZ
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: XXXX, badge number XXXX, from a company AFNI called at XXXX on XX/XX/2019. I have a portion of the call recorded. He identified himself and said I had a debt that had gone to collection from XXXX. I disputed that fact and asked how he got his information. He gave an account number and service address that was not associated with me. I said that his information is incorrect. He went on to pressure me saying it was my debt and that he would work out a " deal '' but only if I paid him today. I repeated that his information is incorrect and he said it was valid and because he got ahold of me it was the same as verifying it as legitimate. I told him I had no unpaid bill from XXXX but he persisted by raising his voice, insisting that this debt would go to collection to the credit reporting agencies and negatively effect my credit. He refused to acknowledge the fact that his information was wrong and that it was most likely a mistake and even said I would not accomplish anything by calling XXXX because they had already transferred the debt to AFNI. I asked him to repeat the information he had. He again recited an account number and service address that was not associated with me so I asked how he could report anything to credit agencies if the debt wasn't mine. In response he actually said that the effect of the negative report would be more costly on me than the actual debt which he said was only {$120.00}, however, he would discount it to {$90.00} if I paid it now. I then started recording and asked him to identify himself which he at first refused saying he would never give me his last name. He then argued that I had been dodging him by not answering previous calls. I stated typically don't answer unknown numbers especially if they don't leave a message. He said they never leave messages. His overall language was threatening and harassing in nature. At this point I fully believe based on this conversation that AFNI will take action even though the debt isn't valid and they only made contact by phone. I have not received any official notice by mail, from XXXX or from AFNI establishing that I had any unpaid bill.
Company Response: Closed with explanation
2019-09-26
Columbus, OH
False statements or representation
Debt collection: I do not know
Told you not to respond to a lawsuit they filed against you
Company Response: Closed with explanation
2019-09-26
Brooklyn, NY
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Company Response: Closed with explanation
2019-09-25
MN
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: Afni has re-aged my a account on my credit report. They have the account opened in XXXX of 2019 I did not have right to dispute nor receive any letters from this company.
Company Response: Closed with explanation
2019-09-25
Tulsa, OK
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-09-25
Sierra Madre, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2019-09-23
Jupiter, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX AFNI, INC.
XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted
from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious AFNI, INC.
XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response: Closed with explanation
2019-09-19
Hinsdale, IL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: Hi There are two sperate collection agencies that trying to collect on same debt.
Afni Inc and XXXX XXXX. I never heard of this debt.
Company Response: Closed with explanation
2019-09-18
Hendersonville, TN
Threatened to contact someone or share information improperly
Debt collection: I do not know
Talked to a third-party about your debt
Company Response: Closed with explanation
2019-09-16
Chatsworth, CA
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Complaint: This company AFNI sent me a collection letter stating I owe {$630.00}. dated XX/XX/XXXXThe CFPB should note this debt collector started his collections Activities few days ago with harassing phone calls. Please refer to CFPB complaint # XXXX.
Since they sent me a debt collection letter stating I owe {$630.00} to XXXX, I believe around XX/XX/XXXX I disputed this amount its totally even I went further I escalate this issue to the FCC Case # XXXX against XXXX, They never sent me nothing in writing within the 30 days process setup by the FCC about this Fraudulent Debt, so instead after One year and 1/2 XXXX Hires this debt Collector to try to collect a Fraudulent Debt it was fully disputed around XX/XX/XXXX with the FCC, XXXX never responded to my FCC complaint. I'm attaching my Statement of Fact Letter as well to dispute this fraudulent debt against AFNI and the Copy of the email I received from the FCC.
Company Response: Closed with explanation
2019-09-13
Eight Mile, AL
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: I pulled my credit report and was shocked to find a fraudulent account. I reported and disputed it as identity theft. The so called account was for an address in a town and state i have never lived and was for cable service. Further investigation revealed it was XXXX XXXX and AFNI was trying to collect. I never received any notifucation of this so called debt from either XXXX nor AFNI but theyve been illegally report8ng it negatively hurting my credit. I contacted both and notified it was not mine and fraud. Likewise i reported it to all three bureaus as fraud. However, all returned it as verified
Company Response: Closed with explanation
2019-09-13
Tarzana, CA
Communication tactics
Debt collection: I do not know
You told them to stop contacting you, but they keep trying
Complaint: This company started to call me yesterday from this number XXXX.
They wanted to know up front my social security number, I denied to provide them such information, They said are AFNI a debt collector. I asked them what is about these phone calls, in order to give me the information they said I need to provide them my social security number for verification I denied to give it to them I asked them to stop any phone calls and if they want to address any concerns to make it in writing.
At this time I'm not submitting any documentation because this debt collector has not sent me any. If they do I will refer this complaint properly attach it with a proper response.
Company Response: Closed with explanation
2019-09-12
Las Vegas, NV
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: AFNI ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$140.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Company Response: Closed with explanation
2019-09-11
Killeen, TX
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Closed with explanation
2019-09-11
Pearland, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-09-08
VA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: Formally disputing the validity of an alleged debt, in its entirety, of {$820.00} from a creditor known as XXXX for an alleged creditor Account XXXX ( Afni Collections account number XXXX ) received in letter on XX/XX/2019.
My specific dispute with the Afni Collections , Inc. alleged debt is based on the fact that I have never held any type of account with XXXX at any time, way, shape, or form. XXXX informed me services to the account was opened in XX/XX/2019 at an address ( undisclosed to me XXXX in the state of XXXX although I have lived in XXXX since XXXX.
I am contacted the FTC, XXXX, AFNI, the State Attorney Generals offices in XXXX and XXXX, and the Representative of 3rd District of XXXX.
Company Response: Closed with explanation
2019-09-06
Nyc, NY
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: In XX/XX/2019 I received a letter in the mail with the XXXX logo on it saying that I owed about {$450.00} and my account was suspended until I paid. It had a phone number to call to pay the balance and get my account reinstated.
I have never had any XXXX account or wireless number associated with XXXX.
I called XXXX to verify what the charge was, and they had no record of me having any account with them or any debt under my name. They told me it sounded like the letter was a scam so I ignored it.
Today ( XX/XX/2019 ) I received a letter from afni debt collector that states I owe a XXXX XXXX balance of {$1500.00}.
I do not have any idea what this balance could be since XXXX does not have record of me having an account there and I have not had any XXXX XXXX account in the past.
Thank you for receiving my complaint. Please contact me with any questions.
Company Response: Closed with explanation
2019-09-05
Hollywood, FL
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-09-04
Cheverly, MD
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: Afini credit collection company fasley reported and fraudulent account on my credit reports and when i reached out to the company they provided me with false information and I repeatedly told the Representative that this debt wasn't mine, XXXX ID number is XXXX he informed that this was my debt.. I asked XXXX were there any mail sent to me inreference to this debt and he informed me no so how do you place something on someone's credit without giving them the opportunity to defend the debt or their case and he stated they didn't have to notify me and than I asked to be transferred to a manager and he sent me to a coworker voicemail so I hung up and tried calling him back but of course I got another representative.
Company Response: Closed with explanation
2019-09-04
Savannah, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation
2019-09-03
Lansing, MI
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Closed with explanation
2019-09-03
Key Biscayne, FL
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: I sent an initial letter to AFINI asking for debt validation. Attached is the information they have sent back, which frankly, is nothing. Furthermore, they have threatened to cease communication with me, as I am attempting to resolve the matter.
USPS tracking for the first letter datedXX/XX/2019 : XXXX USPS tracking for the second letter dated XX/XX/19 : XXXX
Company Response: Closed with explanation
2019-09-02
Scottsdale, AZ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation
2019-08-29
Oxford, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: A company named Afni says that I opened an account on XX/XX/XXXX for {$870.00}. It says that it was for a XXXX account. I have been with XXXX since XX/XX/XXXX and can't even get XXXX in my area. I would think that an inquiry would have shown on my credit report for this?
I have filed a dispute with Transunion ( file # XXXX ), XXXX and just now written a letter to Afni but it may not have had time to get there.
Afni reported me to collections on XX/XX/XXXX and my credit score dropped from XXXX to XXXX. How can they do this?
Afni address : XXXX XXXX XXXX XXXX ILXXXX I was never contacted about this. It just showed up on my credit report. So I don't have any collection letters to show.
Company Response: Closed with explanation
2019-08-29
SD
Attempts to collect debt not owed
Debt collection: Other debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: I was contacted by AFNI, Inc. regarding a debt allegedly owed to XXXX. This debt was previously handled by XXXX XXXX XXXX, and was discharged in a Chapter XXXX bankruptcy on XX/XX/2019.
Apparently now, XXXX has contacted AFNI or XXXX XXXX Solutions has sold the debt to AFNI and they are now trying to collect on the debt that was clearly discharged in bankruptcy.
Company Response: Closed with explanation