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 9
2019-04-01
Phoenix, AZ
Credit monitoring or identity theft protection services
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Billing dispute for services
Complaint: XXXX XXXX referred an account for collections, which I have disputed not only with XXXX but the collection agency AFNI. I had disputed this account via telephone with AFNI requesting validation of the said debt. I did receive a response which was a automated letter dated XXXX, please see attached. This communication received from AFNI gave no details, only they have verified with the creditor. I had sent my 1st dispute in writing requesting the information I had requested via the telephone. please see attached, item # 1.
Item # 2 thru # 5 attachments is the response received from AFNI dated XXXX with the same automation letter only this time with 1 line " this letter serves as verification of the account '', along with a copy of the of the last statement from XXXX showing a credit for the current month but a " previous Balance '' and this is where my dispute is and has been, I have no knowledge of this " previous balance ''. The service was no longer in use and the equipment was hand-delivered to a XXXX store on XXXX XXXX. in XXXX, AZ for I had moved from the address XXXX services were installed at.
Item # 6 my request once again for validation dated XXXX, I never received any response from AFNI after this.
Now I just check my credit bureau and found AFNI has of XXXX has listed a derogatory rating to my report.
Company Response: Closed with explanation
2019-03-31
Chicago, IL
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-03-29
Jacksonville, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-03-29
Allenwood, NJ
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: On XX/XX/2019 the company AFNI charged off {$820.00} onto my credit report. All three credit bureaus are not reporting this as a collection and it is severely impacting my credit report.
I disputed this account as not mine on XX/XX/2019. On XX/XX/XXXX I received a notice that my dispute was completed. I check the results and the credit bureau said the account was mine. AFNI has not furnished any prove saying this is my debt. Accordingly to the FRCA, AFNI has to repot accuraly which they have failed to do so.
Company Response: Closed with explanation
2019-03-28
Newnan, GA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: debt is not mine
Company Response: Closed with explanation
2019-03-26
Mountain View, OK
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Complaint: Did not receive a notice to dispute within 30 days
Company Response: Closed with explanation
2019-03-25
Bremen, GA
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Complaint: I am requesting DELETION of the collections from AFNI, INC On XX/XX/2019 and XX/XX/2019, I returned equipment that we rented from XXXX that is worth approximately {$550.00} in balance ( could be {$540.00} according to the XXXX phone representative ). XXXX received the equipment and told me in the store on those dates that any balance owed to XXXX is now a XXXX balance and that they will make sure that my account reads XXXX balance to all associated departments.
2. On XX/XX/2019 I received an alert from XXXX and XXXX that a Collection from AFNI was added to my credit file for a debt owed to XXXX for {$550.00}. I also saw that it was reported by them on XX/XX/2019. On the debt they reported that is owed to XXXX it stated that the balance date was XX/XX/2019. That is at least thirty-five days ( 35 ) after I returned ALL equipment to XXXX XXXX in XXXX GA store and have a XXXX balance in the XXXX location.
3. This ERROR in their system that caused this problem occurred within their system.
4. I received no warning that after I returned the equipment to XXXX that this collector named AFNI Inc. would post a debt that does not truly exist toward XXXX on my credit file with the Credit Bureau. Even to, there is NO debt owed to XXXX on and AFTER XXXX XX/XX/2019 because all equipment was returned to them in and AUTHORIZED EQUIPMENT RECEIPT LOCATION, an XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX - ( XXXX ) XXXX ), as evidenced by the receipts ATTACHED and the correspondence from them that I include. I have ALSO included the business cards of the representatives I dealt with PERSONALLY in the store. I have, with due diligence, recorded all communication with XXXX and my attempted communication with AFNI Inc . The attempted communication with AFNI Inc. proved useless, but it is recorded, and they were not helpful. XXXX conceded that it was XXXX ERROR / fault and I have it on recording conversations between themselves at the store in XXXX GA and XXXX customer service. They are also sending more information to me in connection with this apology and have stated that they will try to correct it also. It has caused me significant damage for the report of a recent collections on my credit file to my business dealings of such an insignificantly small amount of money that represents such recent activity of fiscal irresponsibility.
Company Response: Closed with explanation
2019-03-25
Pnte Vdra Bch, FL
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Company Response: Closed with explanation
2019-03-24
Martinsburg, WV
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-03-23
Lk Buena Vis, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: I have a debt through an original creditor, XXXX. I paid the debt via Afni 's website on XX/XX/2019. I paid the full amount of the debt {$200.00}. I have sent letters requesting that this debt be removed from my credit report since I am no longer liable for this account.
I currently have AFNI and XXXX XXXX reporting on the same dates on the same account. According to law, you shouldn't have 2 collection accounts reporting on the same account.
This is severely hurting my credit and I am unable to buy a home for my family.
Company Response: Closed with explanation
2019-03-22
Boynton Beach, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-03-22
Los Angeles, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with explanation
2019-03-22
Drexel Gardens, IN
Written notification about debt
Debt collection: Other debt
Notification didn't disclose it was an attempt to collect a debt
Company Response: Closed with explanation
2019-03-22
Phoenix, AZ
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: Company named AFNI claims to work on behalf of XXXX and says that I owe over {$700.00} due to an accident that i was never involved in, in a vehicle i never owned, in a city I don't live or have ever visited. They say this so-called accident took place on XX/XX/2018 and I'm not sure how they have my personal information. I have already tried contacting XXXX directly and they are not aware of this company or the claim number that AFNI came up with. This company continues to send me letters of owing and calling my phone. I want it all to stop! I don't know of their legitimacy, but I have no involvement in this claim.
Company Response: Closed with explanation
2019-03-21
AZ
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, AFNI is engaging in said violations of latter federal statutes. AFNI did not provide within 30 days of their notice of alleged debts, and furthermore do not enclose a date of when this alleged debt occurred. There is no itemized receipt that was produced within the afforded time frame of 30 days, nor any evidence that I owe any money to XXXX XXXX. I am enclosing a copy of my account with XXXX and it shows no past due balance, and this collection company is attempting to collect on a debt that does not exist. I am a customer in good standing with XXXX and do not owe any money. Thus I hereby refute the validity of this collection attempt, as null and void. This company needs to cease and desist and not communicate with me again on a debt I do not owe.
Company Response: Closed with explanation
2019-03-20
Stilesville, IN
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: I had cancelled my XXXX service. I was told my XXXX that I had 90 days to pay remainder of the bill. Two weeks later it was forwarded to Afni collection agency. They have been harassing me with phone calls. I've never received anything in the mail pertaining to the debt and when they called, I had no idea that I could dispute the amount with them. In fact, I was told that I couldn't dispute. I received a phone call today and the man I spoke to was very rude and called me an XXXX for not knowing I could dispute the debt and he then told me I was lying about not receiving any letters.
Company Response: Closed with explanation
2019-03-20
Phoenix, AZ
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2019-03-19
NC
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: I opened an XXXX XXXX XXXX account through a third party for the bundled package. They somehow opened XXXX accounts on the same day ( one that nothing was done with, and the other that I still use to this day ). I then received the bill for the second account from XXXX XXXX XXXX XXXX and they saw the problem, and said that my account would be pulled back from the collection agency and then closed out with a XXXX balance. They clearly stated they saw the problem, and it was an error. A few months passed and I didn't get any bills from AFNI Collections. All of a sudden they have started again. I called XXXX XXXX XXXX XXXX again ANGRY, and gave them the account number that XXXX was trying to collect on. They said they couldn't find the account. I called XXXX and explained to them the situation, they told me to contact XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX XXXX XXXX and was told that, " Yes, there was an error on their behalf, and the account was closed with a XXXX balance. '' I even gave them the account numbers that are showing on the AFNI Collection bill. They were still unable to locate the account.
Company Response: Closed with explanation
2019-03-19
Greer, SC
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-03-16
Jupiter, FL
False statements or representation
Debt collection: I do not know
Attempted to collect wrong amount
Complaint: this account just open XX/XX/2019 ( 2 mos ) Account status Open Type I have no idea where this come from but i have Identity death I am thinking that's what i am happened they have my police rapport
Company Response: Closed with explanation
2019-03-14
Fort Worth, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Closed with explanation
2019-03-14
St Heights, MI
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2019-03-14
FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: AFNI was included in my dispute letters sent to the credit bureaus on XX/XX/XXXX. In my most recent letter on XX/XX/XXXX, I requested the following : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
It is now XX/XX/XXXX, and I have not received any validation as I requested above.
Company Response: Closed with explanation
2019-03-13
MI
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I have a debt collection reporting on my credit that is not mines. I do not know where this debt came from but it does not match my information. It appears to be related to a utility service account. I have never authorized services through this company.
Company Response: Closed with explanation
2019-03-13
Bueche, LA
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: Sent AFNI a certified notification to verify the debt they claimed I owed, and they never responded to the letter.
Company Response: Closed with explanation