Complain about a product or service

Afni

Michael of Bridgman, MI May 8, 2009

I have been receiving letters and phone calls from this man acusing my daughter of aa hit and run accident in Chicago when the car was here in Michigan and had been for at least 2 weeks. The incident happened 11-21-2008 the car was parked in the garage in Bridgman, MI and had been for at least 2 days the car has NO DAMAGE. He is acucssing me of not having insurance when my company has contacted their client American Family Ins. and they provided no documentation until this AFNI guy called and started trying to intimidate me with threats. He has very little Information.

This whole matter does not call for this kind of reaction it is being handled by insurance companys his attemps to " scare" me is childish at best with name calling and attitude.

Richard of PENSACOLA, FL May 1, 2009

I received a collection notice from them regarding a T-Mobile account. Afni wanted my personal information to talk to me. I called T-Mobile and found out that the debt was from a company that T-Mobile purchased. The debt is 6 years old and T-Mobile had no other information. That meant I had to go back through Afni to dispute the claim and now they have the last 4 digits of my social and my date of birth and drivers license number. I never had an acount with anyone other than AT&T. Now Afni has enough information on me to legitize a claim that never occured. That should be illegal.

Janine Huber of Statesville, NC May 1, 2009

Received a collection letter in May 2005 for a Cingular Account I'm never owned. Provided proof that I had never lived at the address AFNI provided and that the account was not mine. AFNI said they would not report this to any credit agency. Today my credit report was pulled and the collection in on my report. I called AFNI two time today and both reps told me they had never reported this it was in their files. I was told to get a copy of the report and send to them which I'm doing. I am very concerned this co. has lied to me about reporting an error on their part in the 1st place. I do not know at this point if AFNI is going to correct their area or if I must get legal help to clear their error.

Cynthia of Lawrenceville, GA April 21, 2009

Cynthia of Lawrenceville GA (04/21/09)
I had pulled my consumer credit report last October. When pulling my report, I was expecting to find a clean report with only positive reporting, no negatives. To my surprise, there was a negative account that had just been listed from a collection agency, AFNI, Inc. This concerned me greatly. I had asked my husband to also look at this and figure out what was going on and who AFNI, Inc. claimed I was delinquent on.

I had sent AFNI, Inc. a debt validation letter, per the Fair Credit Reporting act. I gave them 30 days to respond. No response. I gave them one more good faith letter, this was sent in January of 2009. AFNI, Inc. responded this time around, though the documents they provided were a collection bill to pay along with a bill that appeared to be typed by an employee of AFNI, Inc. as it certainly did not look to be legit.

Further more, AFNI,Inc. failed to provide me with proof showing they owed the debt, show me how much they paid for the debt, prove the debt was mine, prove to me that they were licensed to collect in the State of Georgia and other requests per the Fair Credit Reporting Act for debt validation. Since they had failed to provide me with any proof within 30 days, AFNI,Inc. is supposed to stop collecting and also they are supposed to remove the debt from the consumer credit report. Also, the name they had listed, was a name I had never used before.

They claim this to have been validated per the last 4 digits of my Social Security Number. However, the this is not true and certainly does not match. They also listed me at an address which I had never lived at. In addition, AFNI,Inc. was obligated to inform me within 30 days before placing the negative account on my credit report, which they did not. I had found out about this account after checking my consumer credit report. Further more, I had done my research on AFNI, Inc., as I had question AFNI,Inc. after hearing so many horror stories of collection agencies fraudulently collecting from the wrong people and not following the Fair Credit Reporting Act and rules.

I have since been in contact with both the Attorney General in Illinois as well as in Minnesota. The Attorney General in Minnesota has sued AFNI, Inc. and is currently suing AFNI, Inc. for other complaints of false collections she has received by consumers. Identity theft is at a high and these days people are becoming victims of identity theft without knowing. As for their statement that the name, address and social security number had been verified, the last time I checked, if a name did not match the full name associated with a social security number, that would be an indication of fraud and someone trying to access another persons personal information.

Jamie of Lubbock, TX April 15, 2009

Jamie of Lubbock TX (04/15/09)
I pulled my credit report last week to start working on improving my credit score. I knew I had some deliquent accounts since my husbands injury at work, but I had no idea it looked like it did. AFNI, inc has me oweing ALLTEL for 4 different accounts. I cannot see a company giving out an account after one is deliquent. I tried to dispute the claims; however, the investigation came back as valid. There is no way I have had 4 Alltel accounts and each of them over 500. This is a joke!

I have been unable to purchase a home due to all the deliquent accounts.

Mark of San Diego, CA April 13, 2009

Mark of San Diego CA (04/13/09)
Several years back I was applying for employment and most companies run background checks and also credit checks. And with the credit check I asked for copies of my credit report be mailed to me. I was reviewing my credit report and noticed that I had an outstanding debt for a T-Mobile acct for 869.15. The first thing that came to mind was 1) I've never opened a T-Mobile acct 2) I've never stepped foot into a T-Mobile office to open an acct. So from that point on I knew something was wrong. I went ahead and disputed through one of the credit agencies. It was awhile back and I don't recall what agency I disputed it with and also totally forgot to follow up with it.

Several weeks ago I received a Collection Notice from Afni for 869.15. After reading through the notice. I called and spoke to a rep. I had written down his name but can't find the paper I wrote it down on. I explained to the rep that I've never opened, nor did I have a T-Mobile acct in the past. The rep said that it may not have been a T-Mobile acct back then. And I mentioned to him. It didn't matter because, I was never delinquent on any cell phone bill. And if I was, it was definitley resolved. Either way, I had the rep tell me what name was the T-Mobile acct opened under, etc, etc. He said it was open under a Jocelyn and Mark F. out in the Long Beach area. He began reading off the date of birth, security number, and to my surprise it was MY INFORMATION. That right there, definitley got me worried.

At that point I went ahead and hand written a letter to Afni and said to them that I'am not going to pay this debt. I've never opened a T-Mobile acct and I will be disputing this. After about a week and a half I received a letter from Afni in respone to my letter I sent and it was a letter that stated Afni has been alerted that you feel the underlying creditor account may have been a result of Identity Theft. The below Declaration is available for use with your claim. It also, states In addition, you should include copies of the following items for investigation purposes. 1) Copy of acutal proof residence at the time the account was established (example: redacted utility bill, credit report, college transcripts, bank statement, tax documentation, etc.)

To say the least. I'am very hesitant to send this information to Afni. For obvious reasons. Also, I forgot to mention. I called Afni again to get more information about the T-Mobile acct in question and asked what date was the acct open. The T-Mobile acct in question is from July 23 2002-November 29 2002. Overall, I find this very odd. Since this has been a delinquecy since July-Nov of 2002. Between that time and the day I received the Collection Notice from Afni.

I was NEVER CONTACTED by anyone regarding this T-Mobile acct. Why am I NOW being contacted 6-7yrs AFTER the fact. I never received a call from T-Mobile asking for a payment. The only thing I've done so far was I spoke to my bank and had statements from that time period sent to me. I haven't done anything else. I haven't contacted any credit agencies to notify them of possible Identity Theft on my accts. I'm overwhelmed and don't know exactly where to start.

So far, it's been a very draining experience. Although, it's not as bad as others I've seen talking about Afni and all of the complaints this company is receiving. I was really close to sending documentation to Afni. But after coming across the consumer affairs website and read the MANY complaints from other individuals dealing with Afni. I decided to speak my mind as well. I'm worried because the information that the rep gave me about the date of birth, social security is MY INFO.

Linda of Jacksonville, FL April 1, 2009

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