Afni, Inc.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On December 4, 2012, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted] with Afni for collections on the balance of...

$411.51. The account is for services established on April 1, 2006, until [redacted] considered the account delinquent on May 17, 2011.  The billing and service address associated with the account is [redacted], Dallas, TX 75241, and the phone number is [redacted].  Afni mailed the initial notice of the account on December 6, 2012.  On January 20, 2013, Afni furnished the credit reporting agencies with notice of the account.  Between June 24, 2016 and August 16, 2017, Afni received fifteen disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriately.  On June 26, 2016, Afni updated the credit reporting agencies on the disputed status of the account. On October 17, 2016, Afni received a letter from the consumer disputing the account.  In response, Afni ceased communication and initiated an investigation.  As a result of the investigation, Afni mailed a validation letter to the consumer on October 25th. Additionally, that same day, Afni mailed the account billing statements to the consumer as validation on the account.  Afni resent the same information to the consumer on November 10th.  On July 27, 2017, Afni received an additional letter from the consumer disputing the account.  In response, Afni ceased communication and initiated another investigation.  On August 18, 2017, Afni mailed verification of the account to the consumer. On September 7, 2017, Afni received this complaint.  In response, Afni ceased communication and initiated another 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 concern, the subject account has not been purchased by Afni.  Afni received the account from [redacted] and acts as an agent on behalf of [redacted] therefore, the consumer would not have a contract with Afni.  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 90 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 he would like to discuss the account, he may contact a Regulatory Specialist at ([redacted]

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On June 27, 2016, Comcast forwarded the account, Comcast account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance of $254.36....

The account is for services which Comcast considered the balance delinquent on October 14, 2013.  The billing address associated with the account is [redacted]st Court, Mobile, AL 36603.  Afni attempted to mail the initial notice of the account to the consumer on June 30, 2016.  Afni received notice that the address was incorrect and did not receive an updated address.  On August 28, Afni furnished the credit reporting agencies with notice of the account. On June 23, 2017, Afni received this complaint.  Afni has had no communication with the consumer until receiving this complaint.  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 concern, the subject account has not been purchased by Afni.  Afni received the account from Comcast and acts as an agent on behalf of Comcast; therefore the consumer would not have a contract with Afni.  On June 25, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report.  On June 27, Afni received a dispute from the credit reporting agencies; while Afni has not responded yet, Afni will respond appropriately.  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 she would like to discuss the account, she may contact a Regulatory Specialist at (877) 859-8783.

I am rejecting this response because:
All they did was send the bills. They didn't send any documentation about the count for stations that I had with AT&T about them dropping the early termination charges.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On November 23, 2016, [redacted] Mobility forwarded the subject account, [redacted] Mobility account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the...

balance of $438.98. The account is for cellular services established on January 21, 2012, until [redacted] Mobility considered the account delinquent on July 20, 2013.  The billing address associated with the account is [redacted] Avenue, Darby, PA 19023, and the phone numbers are [redacted], [redacted], [redacted], and [redacted].  Afni mailed the initial notice of the account on or about January 17, 2017.  On March 19, 2017, Afni furnished the credit reporting agencies with notice of the account.  Afni has responded to the consumer’s duplicate complaint filed through the CFPB on April 19, 2018. On April 20, 2018, Afni received this complaint.  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 concern, the subject account has not been purchased by Afni.  Afni received the account from [redacted] Mobility and acts as an agent on behalf of [redacted] Mobility; therefore, the consumer would not have a contract with Afni.  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 up 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 she would like to discuss the account, she may contact a Consumer Relations Specialist at (866) 716-1284.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On June 13, 2016, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance of...

$122.59.  Please note that this is for bundled services and all equipment charges are not included in the balance Afni is collecting upon.             The account is for satellite services which [redacted] considered the account delinquent on December 12, 2011.  The billing and service address associated with the account is [redacted] Apartment 15 C, Elkhart, IN 46517.  Afni attempted to mail the initial notice of the account to the consumer on or about June 16, 2016.  Afni received notice that the address was incorrect and did not receive an updated address.  On August 14, 2016, Afni furnished the credit reporting agencies with notice of the account. On February 28, 2018, Afni received this complaint.  This was Afni’s first contact with the consumer.  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 concern, 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 up 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 he would like to discuss the account, he may contact a Consumer Relations Specialist at [redacted].

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. I appreciate the quick action.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns. On October 11, 2016, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni Inc. account #: [redacted], with Afni for collections on the balance of $308.18....

  The account is for services established on August 7, 2012, until [redacted] considered the account delinquent on June 13, 2016.The billing address associated with the account is [redacted]. Afni mailed the initial notice of the account on October 13, 2016. On October 18, the consumer spoke to an Afni representative. On November 13, Afni furnished the credit reporting agencies with notice of the account. On November 29, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately. On December 4, Afni furnished the credit reporting agencies with notice of the disputed status of the account.   On December 15, and December 16, Afni received complaints from the Revdex.com and CFPB respectively. This was Afni’s first contact with the consumer. In response, Afni ceased communication and initiated an investigation. On December 19, Afni received a letter from the consumer disputing the account. In response, Afni continued to cease communication and continued the investigation. Afni has attached bill copies from the account, as validation. To address the consumer’s concern, when Afni received a dispute from the credit reporting agencies, Afni responds directly to the credit reporting agencies. To address the consumer’s concern, the account is for service with [redacted], not with Afni. Afni does not own the account; Afni is simply working the account on behalf of [redacted]. Afni will continue to cease communication on the account. The consumer may contact a Compliance Specialist at [redacted], if he would like to discuss the account further.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On December 14, 2016, [redacted] Mobility forwarded the subject account, [redacted] Mobility account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the...

balance of $1,559.94. The account is for cellular services established on February 21, 2012, until [redacted] Mobility considered the account delinquent on December 16, 2012.  The billing address associated with the account is [redacted], Palm Bay, FL 32907, which is the same address the consumer listed on the complaint, and the phone numbers are [redacted] and [redacted].  Afni mailed the initial notice of the account on or about January 19, 2017.  Afni did not receive any notice of returned mail, and as a result, can infer that the notice of rights was received. On March 19, 2017, Afni furnished the credit reporting agencies with notice of the account. On January 8, 2017, Afni received this complaint.  This was Afni’s first contact with the consumer.  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 concern, the subject account has not been purchased by Afni.  Afni received the account from [redacted] Mobility and acts as an agent on behalf of [redacted] Mobility; therefore, the consumer would not have a contract with Afni.  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 up 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 he would like to discuss the account, he may contact a Regulatory Specialist at [redacted].

Initial Business Response /* (1000, 5, 2016/03/04) */
This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer's concerns. On January 16, 2012, Afni acquired the subject account from [redacted], [redacted] account #: XXXXXXX, Afni Inc. account #: XXXXXXXXX-XX,...

for collections on the balance of $293.25.
The account is for satellite services established on October 29, 2005, until [redacted] considered the account delinquent on April 26, 2006.The billing address associated with the account is [redacted] B Clarksville, Tennessee XXXXX. Afni mailed the initial notice of the account on March 3, 2012. On February 18, 2016, the consumer spoke to an Afni representative.
On February 22, Afni received this complaint. In response, Afni ceased communication and initiated an investigation. Afni has made the business decision to cease collection activities on the account, and close the account. The account will not be returned to [redacted], as Afni owns the account. Afni has not and will not furnish this account to the credit reporting agencies. To address the consumer's concerns regarding the representative that she spoke with, the representative was offering the consumer options to resolve the account; Afni apologizes for any inconvenience caused to the consumer. To address the consumer's concern regarding having current service with [redacted]. That is a business decision that [redacted] has made, and Afni is unable to comment on that decision. Afni will continue to cease communication on the account. The consumer may contact a Consumer Relations Specialist at XXX-XXX-XXXX, if she would like to discuss the account further.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns. Afni is unable to verify if the consumer is the account using the information provided by the consumer in his complaint. Due to this, Afni is requesting the consumer contact a...

Compliance Specialist at[redacted], in order to assist Afni in determining if he is the account holder. Afni looks forward to being able to assist the consumer in resolving his concerns in the future.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On December 14, 2016, [redacted] Mobility forwarded the subject account, [redacted] Mobility account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the...

balance of $1,741.73. The account is for cellular services established on April 14, 2006, until [redacted] Mobility considered the account delinquent on August 22, 2013.  The billing address associated with the account is [redacted], Jacksonville, FL 32218, and the phone numbers are [redacted], and [redacted].  The service was active and the account was being paid for over 7 years.  Afni mailed the initial notice of the account on or about March 24, 2017.  On May 7, 2017, Afni furnished the credit reporting agencies with notice of the account.  On October 12th, the consumer called an Afni representative to request a lower settlement than Afni could offer.  On December 11th, the consumer called an Afni representative to request to settle the account in full for $400.00 and to state that he was no longer disputing the account. On February 14, 2018, Afni received this complaint.  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 concern, Afni has not received any correspondence from the consumer.  When a consumer submits a dispute through the credit reporting agencies, Afni responds directly to the credit reporting agencies.  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 up 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 he would like to discuss the account, he may contact a Consumer Relations Specialist at (866) 716-1284.

Revdex.com:
Thank you sooo much. Because of Revdex.com, I received the response below which is the 1st and only written response I have received from Afni since Feb 2016 when I put them on notice that I dispute the collection action, requested copies of billings from [redacted] and directed all tesponsestto be in writing. It is also the very 1stx I have heard that [redacted] took back the account from Afni and that I am to contact [redacted] for further resolution. I will contact them and resubmit my proof of payment and equipment return in hopes they will finally confirm the account as paid in full with no further action nor negative status or bureau reporting. I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Unfortunately, we are unable to locate your account with the information you have provided.  Please provide additional information, such as the telephone number to which Afni may have placed calls, the address to which we have sent correspondence or the Afni or original creditor account number...

which are located on any letter you may have received from us.  The Afni account number would be the best way us to locate your account.  You are also welcome to call [redacted] to speak with an Afni representative.

I am rejecting this response because:
On several occassions, I have e-mailed back and forth with an AFNI rep. I requested a verification of debt which was sent thru e-mail with just a statement from last 3 months of billing just showing balance. I have stated that this phone was sold and contract was canceled because I never renewed it. I requested further information and asked that they send me the last few months of full bills so I could further investiigate and view the numbers on the bills and also see the last payment made. They keep telling me that the additional info was sent to my house and it never has been and still never received. Every time I contact AFNI about resolving this issue, I am told that a representative will contact me shortly and no one ever does. Dates contacted are as follows: 2/15/18, 1/26/17, 1/17/15, 1/15/17, 1/11/17 1/12/17. No one has sent me any further information still and I have yet to be contacted by a representative. I have even to settle for 10 percent due to me having limited funds and being on disability and just wanting this closed and out of collections and over and done with and STILL no one has contacted me to sort any of this out.Removed from all 3 credit bureaus due to unknown charges and failure to provide further additional proof of all breakdowns of last few bills for me to investigate and to also view my last payment made. This account was requested to be canceled because a contract was never RENEWED and cell phone was sold. This is impacting my credit score in a negative way and I have not been sent the information I need.

I am rejecting this response because:
The [redacted] account was closed in good standing by myself. A [redacted] representative assisted me in closing the account and I paid any and all balances to close the account and switch to at&t. The information provided in the response from the collection agency is inaccurate . The account was closed in 2016 and I find it hard to believe that it would of taken well over a year for an outstanding balance to show up at a collection agency. [redacted] at no point may any contact after cancellation and I had to send back my old wireless phone at the time the account was closed. Again this account was closed by myself and no due to any negative balance. I am still requesting the debt be cleared and removed from my credit report.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On December 14, 2016, [redacted] Mobility forwarded the subject account, [redacted] Mobility account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the...

balance of $624.09. The account is for cellular services established on December 18, 2011, until [redacted] Mobility considered the account delinquent on December 15, 2012.  The billing address associated with the account is 3[redacted], Augusta, GA 30909, and the phone numbers are [redacted].  Afni mailed the initial notice of the account on or about January 27, 2017.  On April 19, 2017, Afni furnished the credit reporting agencies with notice of the account. On January 29, 2018, Afni received this complaint.  This was Afni’s first contact with the consumer.  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 concern, Afni has had no communication with the consumer until receiving this complaint.  Additionally, when a consumer submits a dispute through the credit reporting agencies, Afni responds directly to the credit reporting agencies.  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 up 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 she would like to discuss the account, she may contact a Regulatory Specialist at [redacted].

Initial Business Response /* (1000, 5, 2015/07/28) */
This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer's concerns. On September 3, 2014, [redacted] forwarded the subject account, [redacted] account #: XXXXXXXXX, Afni Inc. account #:...

XXXXXXXXX-XX, with Afni for collections on the balance of $151.61.
The account is for services established on May 1, 2012, until [redacted] considered the account delinquent on April 3, 2013.The billing address associated with the account is [redacted] Drive Orlando, Florida 32837. Afni mailed the initial notice of the account on September 5, 2014. On September 25, the consumer spoke to an Afni representative and set up a payment arrangement towards a settlement on the account. On September 26, Afni received a payment of $75.81, which closed the account as settled in full. On April 21, 2015, the consumer spoke to an Afni representative and was advised that Afni will inform [redacted] of the settled in full status of the account, which Afni did on April 27.
On July 14, 2015, Afni received this complaint. In response, Afni ceased communication and initiated an investigation. Afni has attached a settled in full receipt to this response, for the consumer's reference. Afni will also send another request to [redacted] informing them of the settled in full status of the account. Afni has not and will not furnish this account to the credit reporting agencies. Because the account is closed as settled in full, the consumer should contact [redacted] directly if she would like to discuss the account further.
Initial Consumer Rebuttal /* (2000, 8, 2015/08/07) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept their response as I was finally given what I have asked after several attempts before filing a complaint.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns. On September 6, 2016, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni Inc. account #: [redacted], with Afni for collections on the...

balance of $598.06.   The account is for services established on October 22, 2015, until [redacted] considered the account delinquent on January 2, 2016.The billing address associated with the account is [redacted]. Afni mailed the initial notice of the account on September 8, 2016. On October 9, Afni furnished the credit reporting agencies with notice of the account.   On October 31, Afni received this complaint. This was Afni’s first contact with the consumer. In response, Afni ceased communication and initiated an investigation. On November 6, Afni furnished the credit reporting agencies with notice of the disputed status of the account. Afni has attached bill copies from the account as validation. In an effort to assist the consumer, Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit report. Afni has attached a letter stating this, for the consumer’s reference. However, this does not mean that the account is not still due and owing. It simply means that Afni has made the decision to no longer furnish the account to the credit reporting agencies. Afni will continue to cease communication on the account. The consumer may contact a Compliance Specialist at [redacted], if he would like to discuss the account further. Tell us why here...

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On June 19, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance of...

$1,673.08. The account is for cellular services established on September 17, 2015, until [redacted] considered the account delinquent on August 7, 2016.  The billing address associated with the account is [redacted], and the phone number is [redacted]. Afni attempted to mail the initial notice of the account to the consumer on June 22, 2017.  Afni received notice that the address was incorrect and did not receive an updated address.  On August 6, 2017, Afni furnished the credit reporting agencies with notice of the account. On September 1, 2017, Afni received this complaint.  This was Afni’s first contact with the consumer. 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 concern, 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 90 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 she would like to discuss the account, she may contact a Regulatory Specialist at [redacted].

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On July 27, 2016, Sprint forwarded the subject account, Sprint account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance of $657.49....

The account is for cellular services established on June 14, 2011, until Sprint considered the account delinquent on May 22, 2015.  The billing address associated with the account is [redacted] Apartment 316, Houston, TX 77077 and the phone number is [redacted].  Afni mailed the initial notice of the account on July 30, 2016. On September 11th, Afni furnished the credit reporting agencies with notice of the account.  Between March 6, 2017, and March 13th, Afni received two disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriately. On June 5, 2017, Afni received this complaint.  This was Afni’s first contact with the consumer. In response, Afni ceased communication and initiated an investigation.  That same day, Afni received a dispute from the credit reporting agencies; while Afni has not responded yet, Afni will respond appropriately.  To address the consumer’s concern, the subject account has not been purchased by Afni. Afni received the account from Sprint and acts as an agent on behalf of Sprint; therefore the consumer does not have a contract with Afni.  As a courtesy to the consumer, on June 11th, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report.  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 she would like to discuss the account, she may contact a Regulatory Specialist at (877) 859-8783.