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 6
2019-07-05
Bellaire, TX
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Complaint: I was unintentional to the fact that my XXXX insurance policy was being canceled on XX/XX/XXXX. At this time I suffered from various illness without successful treatment, diagnosis 's, or tolerable maintenance of day to day : normal functioning.
Due to various doctors ; as well as specialist, that were continually unable to diagnose ; let alone treat or even aliviate my daily debilitating symptoms I suffered from, life became a day to day achievement to accomplish simple daily or work task. Clearly I was not equipped to prepare for, let alone physically or financially fight for my justice in this situation ... .initially. Now, Due to having my XXXX insurance packet ; which stated XX/XX/XXXX to XX/XX/XXXX I was left under the assumption that my insurance policy was still active upon the occurrence of the accident on XX/XX/XXXX and XXXX would handle the claim with Mr. XXXX as they typically do for all their clientele. This is when things started to go south. XX/XX/XXXX XXXX sent a letter acknowledging I made the claim against myself. And from there I thought the situation would be handled through the two insurance companies as they typically are. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX. It stated I needed to pay {$1300.00} otherwise the threatening ultimatems were listed on the document below such as : if I did not make the payment they would take me to court litigation and require me to not only cover my fees, but Mr. XXXX fees as well. Also threatened to have my wages garnished and bank accounts seized. I am a single mother on Public Assistance and even after explaining that to him stated well skip some bills, or borrow from your parents, you can not get a loan? At this point I was in uncharted territory and although I knew he wasn't performing his job to the best of his ability or even professionally, I was truly trying to to the right thing and pay back Mr. XXXX. That did not matter The agent forced me to pay two installments of XXXX $ within a 30 day period at that point he stated if I did not make the payment within the month he would then go forth with further retaliation. He basically continually verbally implying that I needed to make this payment today or else I would have serious financial repercussions to follow. On XX/XX/XXXX I paid {$900.00} to the company AFNI. As the agent forced me to agree to have to again on XX/XX/XXXX pay another {$900.00} to which it was then claimed to be paid in full to AFNI for Mr. XXXX.
HOWEVER, the issues mainly arise with 1. the two year statute from the day of accident. ( I'm not too knowledgeable on this criterion ), also the false threats to garnish my wages, take my car and home. On top of all this the price was initially stated to be XXXX $ by AFNI on the date I paid XXXX . The balance stated on the XX/XX/XXXX statement for the last {$900.00} payment stated the same damage to the vehicle and total owed was XXXX XXXX Now during this whole conversation I understand that XXXX $ + XXXX $ clearly already exceeds the damage total I was told I owed. I spoke with an XXXX representative about the case today he clearly explained how regardless if I was in a financial situation and unable to pay the damage total should've never continually climbed to a grand total of almost {$2000.00} when initially it was claimed to be XXXX XXXX So the fact that I am a single working mother I am enraged I was fully taken advantage of due to my ignorance of legalize. What made his actions even more unethical and unjust was his awarenesses of my situation ie : poverty level and being on public assistance he continually harassed me through phone calls and statements that if I did not pay I would have legal litigation come against that me that would of cost me more money in the long run. Potentially resulting in me losing my house and my car because he asked me the value of my vehicle. That's the situation, I would truly appreciate if you could help me or at least point me in the direction to someone who can. Thank You
Company Response: Closed with explanation
2019-07-03
Custom House, LA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2019-07-03
Oxford, GA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: Debt reported by AFNI for XXXX was already disputed and removed on other reports. They are now trying to put this back on my credit report which is illegal.
Company Response: Closed with explanation
2019-07-02
Phoenix, AZ
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: Received a debt collection in XX/XX/2019 to my name and address from Afni regarding creditor account XXXX originated from XXXX for {$260.00}. I have never done business with XXXX. I have contacted both Afni and XXXX. I need this debt to be removed from my name and address immediately and also not show up in my credit reports. Please do the needful as soon as possible. Thanks!
Company Response: Closed with explanation
2019-07-02
Burien, WA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Closed with explanation
2019-06-30
Bryn Mawr, WA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-06-26
NE
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: Over 2 months ago I demanded validation of the debt that AFNI is attempting to collect. You have failed to respond to any of my requests for additional information to determine if this account is legitimate. As a previous victim of identity theft I am concerned about the origin of the account. Despite failing to provide the information to validate the debt you are still reporting the negative account information on my credit report. By failing to provide the information requested to validate the debt AND still reporting the information to the credit bureaus, you are in direct violation of the FCRA and the FDCPA.
Company Response: Closed with explanation
2019-06-26
Killeen, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-06-25
Apalachicola, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2019-06-24
Fresno, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I have not agreement or do I own this bill. This collection agent has Placed this same bill on my credit report under different names in the past and all removed by : XXXX, XXXX, and XXXX. Now under AFNI agent, they changed the name and put it back on my credit report. Once again XXXX and XXXX take it off, but XXXX is giving me problems. They also call me for at least 10 different number minutes apart all day and use different names, but the same bill. I have called XXXX and I was told they do not have any in my name, with my SSN or address. I ask for any proof of agreement or contacted and I never received anything. I am a XXXX and having a very serious medical problem and others have to take care of me, so I need help with this matter.
Thank you.
XXXX
Company Response: Closed with explanation
2019-06-21
Baxter Estates, NY
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-06-21
Atl, GA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2019-06-21
Breezewood Park, IN
Attempts to collect debt not owed
Debt collection: I do not know
Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation
2019-06-21
Oxford, GA
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Complaint: I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have send a request to AFNI demanding a CERTIFICATE OF ASSESSMENT and other relevant information. AFNI has refused to respond. I sent the letter to AFNI via certified mail XXXX XXXX XXXX XXXX XXXX.
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent.
4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).
5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).
6. Provide the Certified Assessment Certificate.
Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide an Opt Out Notice.
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Company Response: Closed with explanation
2019-06-18
CO
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I never signed a contract with XXXX XXXX and XXXX XXXX was in agreement. However, they put a {$580.00} collection on all three credit bureaus.
This is not my debt, I do not owe this collection and they refuse to remove it.
Company Response: Closed with explanation
2019-06-15
Lake Grove, NY
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2019-06-15
Rochdale, NY
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: On XX/XX/2019 I reached out to XXXX regarding payment owed on account. I was sent information via email that the collection company Afni is now overseeing the account.
I connected with Afni the same day and paid the account off in full. I was sent a notice of payment letter as my own personal proof shortly after.
I disputed the account three separate time within the last 30 days along with proof of payment and XXXX continues to deny that the notice is indeed an accurate proof of payment.
I connected with both parties XXXX and Afni whom have confirmed that the debt is paid off and shows in both systems. Im not quite sure where the miss is but I would greatly appreciate someone of proper authority to handle and rectify this situation once and for all.
XXXX has expressed that they only take uploaded documents to share with the collection company and do not ultimately make the decision of updating the account.
Ive been patient with all three companies and spoke with respect to every representative involved. I would like a solution moving forward rather than all companies pointing the finger at one another.
Thank you.
Company Response: Closed with explanation
2019-06-14
Oxford, GA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: Asked for verification of debt and was sent a letter that said that debt is valid and cease of contact.
Company Response: Closed with explanation
2019-06-13
New Orleans, LA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I contacted all 3 credit bureaus about the inaccuracy on my credit report months ago. As of today, the following information remains on my report. I have a statement on my credit report about several family members with the same or similar name in spelling. The accounts and amounts are listed below. : Afni XXXX XXXX XXXX XXXX XXXX, Il XXXX Opened XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please help me these accounts do not belong to me.
Company Response: Closed with explanation
2019-06-12
Norfolk, VA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Closed with explanation
2019-06-10
Coral Springs, FL
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-06-09
Gladstone, MO
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-06-08
Dallas, TX
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2019-06-06
Bellevue, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: XX/XX/XXXX I signed up for service with XXXX XXXX in XXXX XXXX, Florida. In XX/XX/XXXX, I left XXXX and moved to XXXX. There was no XXXX service where I moved. I had paid all my bills and returned all equipment. In XXXX, I began to receive bills charging a " cancellation fee '' of {$180.00}. Not remembering agreeing to any such fee, I contacted the company and asked them to please send me anything with my signature or initials that i had agreed to any " cancellation fee ''. They did not respond. I started receiving letters from collection agencies. I contacted them and told them the same thing : send me anything with my signature or initials that i had agreed to any such " fee '' and I would pay it. Nothing. Instead they reported me to the credit bureaus, I disputed the charge and it was immediately removed from my report.
Now, today I recieved a letter from another collection agency : AFNI XXXX. XXXX XXXX XXXX, IL. XXXX, attempting to collect the same debt. I called, talked to rep named " XXXX '' and explained to debt was not owed unless they could produce and send me any document with my signature or initials agreeing to the debt. She argued with me for several minutes and I ended the call explaining that i did not owe the debt.
I would like for XXXX and their agent to either supply me with signed documents proving the debt, in which case I will pay it or leave me alone.
Company Response: Closed with explanation
2019-06-03
Killeen, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation