1.3/5 (85 reviews)
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Overall Rating1.3 out of 5
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Afni Reviews

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Page 3 Reviews 40 - 240
Original review: Aug. 7, 2015

I am not familiar with how things work in the debt collection world and how it affects your credit still after paying the debt. A guy named Brandon treated me horribly because I had questions. When I ask to explain something for me and all you say is, "It's exactly how it sounds," obviously you're trying to an **. After getting hung up on the first time this is what I dealt with. I asked for a letter saying I paid my debt. He gave me the wrong directions and proceeds to be an ** when all I was trying to do is get some questions answered. Telling me, "Oh, this must be your first time dealing with our company." His customer service sucks and he deserves to be fired.

8 people found this review helpful
Verified Reviewer
Original review: July 22, 2015

We, too, have been getting notices from Afni saying we owe AT&T $95.44. They will not tell us what the bill was for, when it was for, and where it was for - though we sent a certified letter telling them that if they contacted us again, they would have to show us in full the itemized bill. A few years ago, we had an AT&T landline when we lived in Florida. The bills were all paid, by automatic payment through our checking account. I did not keep the phone bills - are we really supposed to keep phone bills that are between three and fifteen years old? Now AT&T claims not to have any records of our account in their system, but I know all bills were paid in full. AT&T is absolutely NO help in this. No wonder scammers are so quick to use them!

Now Afni wants all our personal information, Social Security number, driver's license, etc, etc! They are telling me that a report must be filed claiming identity theft. But it's outrageous to be told to give out personal information in this way, and still without any idea of what the supposed "bill" actually is!!! I'm at my wits' end. I am not going to send any personal information out! Any advice you can give will be much appreciated. This company should be shut down.

9 people found this review helpful
Verified Reviewer
Original review: July 14, 2015

Received a collection notice from Dish Network from three years ago. I paid the bill and have an email from Dish. But I can't find the tracking info for the return of the modem that my realtor sent. This is a scam. Has anyone figured out the proper way to file a complaint against them? This is ridiculous!

9 people found this review helpful
Original review: June 29, 2015

Can anyone help? Afni has sent a bill for 208.00 for an AT&T account never had and have put this on my credit score as outstanding debt. I have read many account of this happening with a lot of people. If there is a class action case going on someone please send me the info. It is time to stop this kind of thing from happening to us.

27 people found this review helpful
Original review: June 23, 2015

They are listed on my credit report through Karma Credit and I have no idea what bill they're trying to stick me with because I can't get any information from these people who are destroying my credit rating! Guess I should be filing for the class action suit that has been filed against the AFNI collectors.

20 people found this review helpful
Verified Reviewer
Original review: June 18, 2015

About 2 weeks ago I received a letter for the first time from a company named Afni. I opened it and read it and it stated that they are a collection company and I owe money for an old cell phone bill. I called them and explained to them that I do not owe any money for the cell phone bill that they are trying to collect on. That bill was paid many years ago more than 10 to be exact and I have since gotten a new cell phone with a new company. They are mistaken and I do not owe. I also asked her why if I owed this money for so long, why are they now just sending me a letter? She asked me why I was just calling them now. I told her because I never received a letter before this day. She told me that they have been sending letters all along. I told her that they have not been sending letters and this one was the first I've seen.

She proceeded to explain to me that they are to collect this debt and I proceeded to explain to her I do not owe a bill. It was satisfied more than 10 years ago when I switched over to my new company. The conversation escalated to an argument with me telling her I was not paying it again and that I paid it and she wanted to know what date it was paid on. It was more than 10 years ago. I do not remember the date. I no longer have receipts for bills 10 years or older. I again told her I was not paying for something I had already paid for and that was the end of it. She insisted that I pay for it and I could pay the bill over the phone. I strongly told her again. I am not paying for something I already paid for and I hung up.

Just this past Tuesday June 16, 2015 I received yet another letter stating they are trying to collect a debt and listed a bunch of phone numbers to call and below their Sincerely, Afni, Inc is a sentence that states this.. "The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it." That didn't even sound legitimate. The entire letter does not even look professional. They also attached a copy of a bill. Not a LATE bill, just a copy of what appears to be a scanned copy from one of my old phone bills.

Again nothing on the bill stating it's late. This copy of this bill they sent is from October 2004. This company is a SCAM. I am not paying for something I already paid for over 10 years ago. Why am I just now getting these letters?? I look at my credit report all the time and nothing has ever been posted that I have collections with this company for this bill. Because it was paid for over 10 years ago!!! Scam. Scam. Scam!!!!!!!!!!

20 people found this review helpful
Original review: June 9, 2015

I received two letters from AFNI over the course of two months stating I have a delinquent AT&T account from several years ago. When I asked them to provide me with the AT&T account number they show in my name, they provide me with a different account number than the one I had. I kept and still have my final bill from AT&T showing a ZERO balance so I know nothing was ever turned over to a debt collection company!

12 people found this review helpful
Verified Reviewer
Original review: May 16, 2015

First let me start by saying this company needs to be put out of business. If a class action suit is ever filed against this company I will be more than happy to give any attorney my information. I had an account with US Cellular which was filed in and discharge in bankruptcy in 2012. This company placed this account on my credit in 2013 after they had already been advised by me of the bankruptcy. I disputed this account with the credit agencies and they still did not remove it.

Here we are now in 2015 after several phone calls to them the customer service rep told me they submitted a request to remove the account from my report which was a bold face lie. I have filed a complaint against them with the Better Business Bureau to which they have until 5/21 to respond. When you enter this company's name in Google search nothing but negative reviews and complaint come up. Why are they still in business?

23 people found this review helpful
Verified Reviewer
Original review: April 20, 2015

I got a letter from Afni. Inc. about a debt with AT&T Mobility. I contacted Afni, to inform that I do not owe any money to AT&T Mobility, I disputed this collection in writing and on the phone with Afni. I requested Afni to provide me with documentation validating this debt. They did not provide anything proving that I owe this debt. Knowing the fact that I am in dispute with them, they illegally reported this collection to my credit reports, violating the FCRA. Afni's business methods are not honest and by law. I will take them to court if I don't get this resolved. Anybody out there having issues with Afni, INC. PLEASE SHARE YOUR STORY. WE CAN MAKE CLASS ACTION LAWSUIT AGAINST THESE ILLEGAL BUSINESS DOINGS.

54 people found this review helpful
Verified Reviewer
Original review: March 28, 2015

My bill was paid in full to DirecTV. Afni Inc mailed letters to a different address to resident with similar name, and made a collection entry to my credit bureaus. After several phone calls and confirmations from DirecTV that the account is paid in full - they refused to delete their false collection entry.

27 people found this review helpful
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Verified Reviewer
Original review: March 23, 2015

I received 2 different letters today from Afni. Both letters stated I owe a bill for Verizon of 165.00 and the other bill from Verizon for 86.00. Somehow they had changed the dates of when the Verizon account was really opened, so I checked my accounts with Transunion and Equifax. I saw it in Equifax it wasn't in there a month ago. Anyways, they stating that Verizon was open in 2012. I opened up an account with Verizon in 2001, 2002. These bill is really old. Somehow they had changed the actual date of when this account was opened. These people is frauds and scam artist. The last time I heard from Verizon was 2005, 2006. Now, here it is 3-23-2015, out of the blue I'm receiving a letter from Afni and now on my credit report with this really old bill.

20 people found this review helpful
Verified Reviewer Verified Buyer
Original review: Feb. 12, 2015

I called to talk about my overdue account from USCellular which had been turned over to Afni. Matt, who I talked to was very polite and very helpful. He understood the frustration I have dealt with in trying to resolve this problem with USCellular, which I would never recommend to anyone. They do not honor their contracts or they have crooks working in their stores.

12 people found this review helpful
Verified Buyer
Original review: Jan. 25, 2015

My parents received a letter for cell phone service for a Sprint account, which is not theirs! I tried talking to this company & she (Daniela) was rude & very pushy! And of no help at all!!! She was determined to get money, and kept saying it's you, it's you!!! This bill is NOT my parents bill!! To "try" to fix this, they want all my parents' personal information, get a police report, proof of residency, to prove that this is not their bill! First the address is not theirs, the names on bill are not the same, but somehow they got the last four numbers of my mother's social security number correct.

My mother has only had one cell phone (for 10 years!!) and that is with Team Mobile... no one else - ever! Giving these morons her and my father's personal information is just an easy way for identify theft... I called Sprint and they said they cannot help us, since this has been turned over to a collection agency! There is no help for us or anyone else, when these collection agency engage in predatory practices and this should be against the law!!! We are not paying this bill!! Even if we have to spend money going to an attorney! Something needs to be done to help law abiding, bill paying citizens of America!!!

29 people found this review helpful
Original review: Dec. 31, 2014

I got letters from them multiple times saying they gonna take action against to me. I talk to a lady name Carrie and she was snotty when talking to me saying "you need to take your income tax and pay us the full amount you owe", to me all the representatives were rude and mean and claim to me they wanna help me but they was pressuring me and trying to get my credit card number. I called and set up payment arrangements you did I thought they would understand I didn't have the money that day. I asked for an extension they said "you default and you owe full amount." They are no help at all - mean, rude, snotty people.

32 people found this review helpful
Verified Reviewer Verified Buyer
Original review: Dec. 28, 2014

I got a debt collection bill from Afni in Bloomington, IL. They say I owe AT&T U-Verse some money for a place in Lansing, MI that I NEVER lived. They say I lived at **. I NEVER lived there. I lived at ** during Dec. 2010. I sent them a letter of dispute and proof that I never lived at **. I sent them a copy of my MI ID and Lease which proves where I lived. They are trying to put it on my credit reports, but it's not my bill.

25 people found this review helpful
Original review: Nov. 20, 2014

I have been getting phone calls from Afni for 3 weeks now. I answered the call today and was first told the call was being recorded and the next question was what was the last 4 digits of my social security. I refused to give this info to the person who then asked what was my date of birth and refused and asked what was this about. He proceeded to tell me he was an collection agency working with DirecTV attempting to collect $300.00 that was due. The only problem was I have never had DirecTV, and the address to which the bill is for is across the street from me. What worried me was he knew my name and then proceeded to tell me the last 4 digits of my social security and date of birth and said that I had had DirecTV from 2011 to 2012. First of all I said I have never had DirecTV dish, and second of all I do not nor have I ever resided at the address across the street from me. He said that I had to call DirecTV dish and handle it with them. My main concern is this person has my personal info. Is there anything I can do?

24 people found this review helpful
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Verified Reviewer
Original review: June 28, 2014

In October 2012, I attempted to open a new account with Dishnet to receive satellite tv/internet bundled services. The tv part went fine, but the internet service went totally wacko. The phone rep for Dishnet said we needed to pay $95.00 upfront for their internet service so I used my debit card. So he then gave me all the info for my new internet service with a company called Century Link. Next thing you know I was discovering that Century Link was formerly Quest, and there is a need to use your home phone lines to get the internet though them. Since I had used Quest unsuccessfully in the past, I knew not to use Century Link, new name or not. And hey, what happened to Dishnet? Come to find out, the sales rep had pocketed our upfront money, and then he had called Century Link claiming to be my boyfriend and ordered our internet service with them. I called Century Link immediately, and explained it all, dealt with some doubtful sounding phone reps, who took care of cancelling out Century Link, since I would not be able to use that type of service, since I have no installed phone lines at all in my house, and it went smoothly enough. That was then, this is now.

Two months ago I suddenly receive a letter in the mail from some never heard from company called Afni claiming I owed $450.00 because of an unpaid bill with Century Link. The statement of, "I have never had a Century Link account, and cannot use that type of internet service because I have no installed working phone lines in my house, and the Century Link's phone rep's statement, "that account number does not match your name or address in any way" suddenly is not good enough for this Afni bunch of clowns. They have now decided it is a valid account that $450.00 is owed on and is mine to collect from. Absolutely nothing else has been done on their part to assist in showing it's not my account, nor have I heard further back from Afni on my requests for proof and documents, etc.

But now today, I have discovered, on the day I was supposed to be approved for a home improvement loan, that this has been sent to the big three credit reporting agencies, and my credit is now not good enough for the loan I had applied for. Even though it's not mine, and I have not had the appropriate and legal processes done, by this Afni bunch of clowns... and still have heard nothing further from them. What is their malfunctions?? Sure messed up my summer home improvement plans for no apparent reasons.

34 people found this review helpful
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Verified Reviewer Verified Buyer
Original review: June 16, 2014

I received a letter from them and called them 4 times today but no one picked up. Bogus, attempt to collect money and made fake threats on their letter.

25 people found this review helpful
Verified Reviewer
Original review: Jan. 31, 2014

I had just started my training. I had 2 days off in a row. At 1am of my first day of my day off, I had to be taken to the emergency room because I was bleeding heavily (I am pregnant, which my employer knew full well). On my second day of, I went to my OB to be checked out. She said I needed to go to a high risk pregnancy specialist right away, and scheduled an appointment for me for the next day. I did have training the next day, so I called in to Afni to let them know if the situation. 2 different women there (including one being the HR Director!) all but called me a liar, and even the HR director asked me if it was my first pregnancy. When I told her yes, she said she thought I was being paranoid and that it probably wasn't as serious as I thought and that I should just come to work and go to an appointment later.

She kept stating that I should be going to appointments on my days off, and did not seem to understand even though I told her numerous times that the specialist appointment I had was not scheduled. I told her I would much rather be at work than at a specialist, because that meant that my pregnancy was ok and not in danger. She continued to belittle me and tell me that I was being overly paranoid, then she started to interrupt me every time I try to talk and at the end of the conversation was raising her voice at me. Afni had no morals; all they care about is money. Their employees, nor their employees welfare, is not a concern to them. And, they only post $9.50/hr!

19 people found this review helpful
Original review: Jan. 16, 2014

I was sent a collection notice and I have never had an account with the creditor, AT&T. I called AT&T and they said I don't owe them anything. This Afni company is a fraud. I have called and they had me on hold for an hour and no one pick up my call.

45 people found this review helpful
Verified Reviewer
Original review: Jan. 14, 2014

AFNI has called my residence in TN several times for a person with a different first name but the same last t name. I complied with their phone prompts to let them know that that person didn't live here. Finally, I called the number back and got hold of one of their representatives and she said she would have my number removed. She was helpful for this.

3 people found this review helpful
Verified Reviewer
Original review: Jan. 10, 2014

On 12/25/13, I received a collection letter from AFNI collection agency about an unpaid Dish Network account. I do not have nor have I ever had a Dish Network account. The amount AFNI says is due is $440.13 and they threatened to contact credit bureaus if I didn't pay within 30 days. I have contacted Dish Network via e-mail to request verification that I have never had an account with them. I've read online that you have to spend a lot of time to deal with this type of scam - or risk your credit rating. This is just ridiculous! If this is the type of company that Dish Network deals with, I will never establish an account with them and hope that no one else does either.

17 people found this review helpful
Verified Reviewer
Original review: Oct. 12, 2013

My daughter was in an accident in CA while there with her husband in the Air Force. She never heard anything from the other driver's insurance (State Farm), but several months after the accident, she began receiving harassing calls from AFNI stating that they were State Farm and that she owed them over 4k dollars for the accident. My daughter contacted State Farm, as did I, and they have told her and me also that they do not use collection agencies to collect money for them, and that my daughter does not owe them anything. We had insurance at the time of the accident but our insurance co. dropped us and refused to pay anything for her accident (we are currently filing suit against the insurance company, as this is illegal). But I was told by a State Farm agent that these types of issues were covered by uninsured motorist fees that everyone pays, and that State Farm would not come after us for owing any money for the accident.

We have sent debt validation requests and other letters to AFNI to try to get them to prove that she owes what they say, to no avail. The most they sent was a very poor copy of an insurance estimate (which doesn't even match the amount they say she owes), and some copies of pictures. This is NOT validation of the debt, especially when there was no contact to her by State Farm at all, and State Farm tells us she doesn't owe the money. They have threatened to have her license and registration suspended, and also to sue her. I don't know what it will take to get these folks to stop acting illegally.

I shudder to think of how many people they have scared into paying money they didn't really owe, and probably laughing about it as soon as they are off the phone. I'm not sure how we will end this, but I am seriously considering hiring a consumer protection lawyer and suing AFNI myself. I understand there are other people in the same situation as us, and it irks me that a company would try to harass and scare a young woman just out on her own to try to get money that they aren't due. If anyone would like to join forces with me to sue AFNI, I would be more than willing to group up to put this fraudulent company out of business!!

127 people found this review helpful
Verified Reviewer
Original review: July 1, 2013

I received a collection threatening letter from this company listing the insured as a relative to the person who caused the accident (accident on 05/2011 settled 11/12). It appears Daddy may want his deductible back for the accident his son caused. Driver was cited for failure to avoid an accident. I'm sending my insurance after them and then my lawyer.

11 people found this review helpful
Verified Reviewer
Original review: June 22, 2013

T-Mobile gave me a $1,008 bill for one month. I’m not sure why, but I refused to pay. Eight years later, I see this company bought the negative collection account and is still reporting it as if I just got the bill two years ago. Negative accounts drop in 7 years, so they are breaking the law. I am going to report this to the FCC.

23 people found this review helpful
Original review: May 2, 2013

Nothing has been done. I get Heidi, who wants to explain everything to me, again and again. I've worked in debt collections and this company is not practicing fair debt collection. Then I get Janet, who is supposedly Heidi's supervisor, though you wouldn't know it. Both are very unprofessional and when I tried to contact Afni, the line stated that there was not enough people to cover the incoming calls so I would need to try again later. It hung up. I've had it with this company. I'm taking steps now to contact my attorney general here to stop the calls. I've asked for a mailing address as well so that I can send this in writing, but also searching on net isn't giving me much. This company is awful. I've been forced to take steps to stop them from calling since my request are ignored and then outright denied by yet again, Heidi.

7 people found this review helpful
Verified Reviewer
Original review: April 7, 2013

I have never heard of, from, or about Afni until this past week. I received a "Notice of Deficiency" from the IRS saying that I owe additional tax from 2011 on a debt that was forgiven by Afni amounting to about $2,800. Now, I have to fight the IRS and go to tax court, plus pay filing fees, for a debt that I do not recall from a company I have never heard of. I assume that if I owe taxes for the forgiven debt, then maybe Afni is receiving a tax credit for doing it. I don't know. It seems ridiculous to me that a scammer would involve the government. If they are doing this to a lot of people, I hope this finally shuts them down. I don't think they even qualify to file the 1099-C form since they aren't a financial institution or a government entity. I am going to fight this, but I just need to get the word out in case this is a new tactic they are using.

14 people found this review helpful
Original review: March 27, 2013

Afni, Inc. located at 404 Brock Drive, Bloomington, Il 61701. Phone number 800-371-3645 has reported an illegal bill to my credit report. I requested an itemized bill or validation alleging from a 2001 service from AT&T and I had yet to receive. I requested the information from AT&T and never received it; they placed with Afni, Inc. I requested from them and had only received a bill showing what I owed, although I requested an itemized bill. They, however, reported it to my credit report, which is illegal.

18 people found this review helpful
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Verified Reviewer
Original review: March 3, 2013

This company is somehow still in business after years of violating federal law? Record every conversation you have with them. Make sure to time and date stamp them (a nice camera/camcorder and speakerphone works well). For every violation, you get $1000. So drag it out as long as possible and catch them in as many violations as possible. In the end, you could come out with a nice chunk of change, perhaps enough to buy yourself a new car.

Personally, they have tried scamming me out of around 600 dollars for 10+ years now. Every now and then, they pop back up on Experian (TransUnion and Equifax have enough sense to not even put them on there, but for some reason, Experian are idiots about it). In general, Trans and Equifax are 100x better than Experian (7 negatives on Experian, 2 on Trans and Equi). I hadn't checked my score for about 6 years because I was in Europe, and when I come back, I see all of this junk.

Needless to say, I am disputing all of it as they are all inaccurate or just plain fabricated. I studied all 3 credit reporting sites, and Equifax was the best at vetting out the evils and so they got my subscription business. I would suggest this to anyone. It’s 5 bucks the first month and like 20 bucks afterwards. They are the best organized site of the 3. TransUnion is the next best and Experian is the worst, having accounts on there from 20 years ago as open and negative, even some with balances of zero dollars and stating "paid in full" (LOL).

So do all of the suggestions of these other people about reporting them to the BBB, etc. I am disabled so I have nothing better to do all day than to watchdog these evil corporations, and remember you can make 1000 dollars every time they call you after you send a verified letter of validation/dispute. Stick it to these fools where it hurts. They don't even bother calling me anymore - they just throw up false claims on Experian every 5 years and Experian is dumb enough to accept it.

If you decide to patronize one of the three, go with Equifax or TransUnion and dispute Experian from there. God bless.

31 people found this review helpful
Original review: Jan. 22, 2013

I have been contacted by AFNI on several occasions. They stated I have an outstanding debt to Qwest from 2006. AFNI called me in 2010 and before they would tell me who they were, they made me confirm that I was me. Then they proceeded to tell me that by confirming my identity, I have now re-opened the outstanding debt, and that the SOL will be open until it runs out in my state. They threatened me telling me I needed to own up to my responsibilities or else and told me I was irresponsible. I really didn't appreciate it. I currently have CenturyLink service (formerly Qwest) and I don't think they would have let me open an account if I owed them any money. This delinquent bill is on my credit report.

7 people found this review helpful
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Verified Reviewer
Original review: Sept. 28, 2012

I have been receiving fraudulent letters from Afni Collections, Afni, Inc., and Afni Insurance Services Subrogation Department for the past year saying that I owe a debt of $3,884.39 to State Farm Insurance regarding a car accident that I had in December 2010 (two years ago). I have received countless harassing calls from this fraudulent company on my cell phone at all hours of the day and night. They state that if I do not pay them this debt, then I will lose my driver's license, by threatening me that they may have reported me to the Department of Transportation and that my driving "privileges" may be revoked by the Secretary of State (any idiot knows that Hillary Clinton isn't monitoring fender benders).

This is obviously a scam, which is a fact I verified by calling my own insurance company Progressive, and verifying with at least five different people that I owe nothing to State Farm or anybody else for that accident two years ago, because nobody was injured in that accident, no claim was ever filed for personal injury, there is no police report because no police or ambulance was ever called. This is obviously a scam. Someone at Progressive recommended I Google "Afni scams" which I did today, and found countless pages of people talking about this rip-off scheme and other problems with Afni. Do not pay these people anything! I reported them to the Attorney General's office today and the local media has been alerted. I will take them to court if they have tarnished my credit report, and I will win.

35 people found this review helpful
Original review: Sept. 12, 2012

On 9/11/12 at 3:45 pm a call to my cell from Afni was unanswered. On 9/12/12 at 9:44 am, there was a call from a man stating that I hit his insured while she was parked and I must pay for the damages and he'll have my license suspended too, not realizing my mother picked up the phone. She attempted to explain to him that I was the one backing out of a parking and his insured was traveling the wrong way and it states that on the accident report. He started yelling and screaming at my mother stating that HE didn't care, I still had to pay because his insured had the right of way. My mother hung up. She called back and spoke to the supervisor **. She stated that whoever called was very rude and she wanted to know why he was calling so much and whatever he needed from me should be sent to me in a letter.

The supervisor said he needed insurance information and a payment for the damage to the insurer's car. My mother stated to the supervisor that the accident is the insurer's fault because she came down the wrong way as stated in the accident report. Well she put the phone on speaker and the supervisor started shouting, "It's your daughter's fault. The insurance company is blaming her 80% and I'm sending a letter to the state to suspend her license. Is that what you want?!" My mother stated, "Stop yelling at me. I'm not a kid you're talking to and whatever you need from my daughter, send a letter." He shouted, "No, we are not doing that. She has to pay for the damages and she has to send proof of insurance now!" My mother who has been on the police force for 16 years told supervisor ** to write a letter and stop the harassing rude, disrespectful calls. Supervisor ** hung up on my mother.

8 people found this review helpful
Original review: Aug. 23, 2012

They are reporting that I owe $189 to AT&T, that it was opened in 05/2012 and sent to collections in 08/2012. I have never had an account with AT&T. I called AT&T and they are not showing any record of me having an account with them through Wireless, home phone or U-Verse. This account is fraud and needs to be deleted from my credit report. I am in the process of filing a report with the credit bureaus. Please advise what else I can do.

14 people found this review helpful
Verified Reviewer
Original review: May 19, 2012

I have been sent several letters from the company trying to collect $1789.31 for a Verizon bill. I don't have Verizon, so it isn't mine. They have placed two different amounts on each credit report. Anyone for a class action suit?

20 people found this review helpful
Verified Reviewer
Original review: April 24, 2012

AFNI Telecom and AT&T Mobility - I have been getting letters from Afni for years now. They say I owe $3625.29 to AT&T Mobility and I've never done business with this company. I also got letters saying that if I paid $150 that my debt would be gone. That right there told me this was a total joke and fraudulent. I just ignored it thinking that there is no way this company would continue to send me letters. Well now, they have stepped it up a notch and I got a letter from The Brachfeld Law Group saying that I have 30 days to dispute this claim and if I don't then I admit guilt. And of course, the letters states that the lawyers are acting like debt collectors and are not taking legal action.

How is this possible? How can a scam company use lawyers to get money from me that I don't owe? And of my course, my good credit has been scarred by these crooks. I don't understand how they can get away with this for so long. And I'm sorry that people paid that small amount only to owe more. I'm so glad I didn't and I hope whoever did changes their account numbers. This is ** but I am glad to know I am not alone. I will never pay them, and if they tried to call and harass me, I would change my number. But I am angry now, so I think it's time I called and harassed them and tell them what I think of these crooked practices.

8 people found this review helpful
Original review: April 21, 2012

I recently did a credit check--Experian, Transunion, and Equifax. Afni has numerous debt listings that are false--fraud or very old. They list things going back to 1998-2004 that should be deleted. They also show 2 loans I took out in 2011. I never not had a loan since 2005 (car loan). I sent the 9-page report to all 3 credit agencies and also to Afni, Inc. These incorrect reports prevented me from renting an apartment 2 weeks ago. Please offer suggestions. I did send mail to all of those agencies. Who can offer help to get the false AFNI charges removed?

6 people found this review helpful
Verified Reviewer
Original review: March 28, 2012

I recently did a credit check--Experian, Transunion, and Equifax. Afni has numerous debt listings that are false--fraud or very old. They list things going back to 1998-2004 that should be deleted. They also show 2 loans I took out in 2011. I never not had a loan since 2005 (car loan). I sent the 9-page report to all 3 credit agencies and also to Afni, Inc. This incorrect reports prevented me from renting an apartment 2 weeks ago. Please offer suggestions. I did send mail to all of those agencies.

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Original review: Feb. 18, 2012

I received a collection debt notice from Afni, Inc. for $242.73 for DirecTV. I have never subscribed to DirecTV in the 13 years living in San Diego. I called to dispute it and they repeated my current address, last four of my social, and birth date. They claim it was service at another address unknown to me and from 2003! This is a credit scam. I have sent them a letter of dispute. Strangely, I received this same collection notice but from a company called NCO Financials, Inc. in 2009 and I sent a letter disputing it. Perhaps it is the same company with a name change. This is very annoying!

7 people found this review helpful
Original review: Feb. 13, 2012

I got a letter from this company about a bill for $1019 for Verizon, said if I paid $25, it would be settled. So I paid it! But now they are saying I owe $994. I also thought my Verizon bill was paid off a long time ago. I called Verizon and they told me they do not send their accounts to that Afni company and that they have no record of me owing that money! So I called Afni and the guy I talked to was really ignorant, rude and would not give me any info on the Verizon account they say I owe! So now I am watching my credit card to make sure no unauthorized transactions have been made because I used my card to pay that $25!

2 people found this review helpful
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Verified Reviewer
Original review: Feb. 10, 2012

AFNI, Inc. (and or it's predecessors) have/has and continues to "recycle" a $32.00 debt that they claim is due for an unpaid Verizon account. I have been trying to settle this matter for over ten years. When this matter originated, I immediately contacted them to inquire as to "what" the collection was for. When they advised that it was for Verizon, I contacted Verizon who in fact verified that I did not have an account, and thus had not been sent to collections. Upon hearing this, the Verizon agent and I called the collection agency, which was not cooperative in providing us with any evidence of the collection's legitimacy. Within a week, the negative reporting was removed from Credit Report. Since then and over the course of at least the last ten years, this item has been disputed (by me), subsequently closed, removed etc., every year or two, with various names of collection agencies. Yet, they continue to recycle this unidentifiable debt with a current date. An active collection status on my Credit Reports and have not contacted me by phone or email in over ten years.

I have written the PUC, FTC, and ALL Credit Reporting Agencies to no avail. At this time, I am asking "what can be done? " with this criminal collection tactic? I am at a loss as to what to do, and feel that AFNI is criminally holding my good credit hostage in the effort to receive monies from me which are not owed.

4 people found this review helpful
Original review: Feb. 9, 2012

I just received my credit report. There are two on here from AFNI, one stating I owe Qwest $179. It says the account was opened 1/2010 and closed 3/2010. But if you look at the bottom in fine print it says "account first delinquent 02/2007. " I haven't had Qwest since 2004. The 2nd one says I owe AT&T $1294! For one thing, I've never had AT&T, for another it says, date opened 05/19/2009 date reported 07/19/2009. For one, no cell company is going to let you run a bill that high let alone in two months! Again, if you scroll down to the bottom, in fine print it says, "account first delinquent 02/2006. " I have not contacted them but will be in the morning. I cannot believe how many people they have and still are doing this to!

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Original review: Feb. 6, 2012

I received a letter from Afni stating I owe $194.02 for an unpaid bill to DirecTV and that I could settle this debt by paying half of the amount owed. I haven't used DirecTV's service since 2005. This debt does not show on my credit report nor have I been contacted by DirecTV for said debt. I've sent a letter to dispute this claim.

Last year, Afni attempted to collect an "unpaid debt" for a T-Mobile account. I've never used T-Mobile for my cell phone services. I sent a dispute letter to them after learning of this and it was dismissed by Afni. I used the form letter found at this site **.

2 people found this review helpful
Original review: Jan. 17, 2012

I called to inform the agency that my mother had passed away and the person whom I spoke with kept demanding to know when her cellphone bill would be paid. I told them she just passed and that we were meeting with the attorneys to sort out the details of the estate and I had no idea when the bill would be paid. He even went so far as to say that his uncle recently passed and it took his cousins 3 weeks to pay the bills and could he count on my payment in 3 weeks? I told him I did not have an answer for him and hung up.

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Original review: Aug. 29, 2011

On August 26, around 8 am, my house phone rang. A message was left by Sam immediately after my cell rang with an unknown number. I took the call. I was informed it was Sam from AFNI looking for J**. He then told me he was trying to contact J**'s insurance company with no response. I gave him some phone numbers and hung up. The next message on my machine was a woman threatening to suspend J**'s driver license.

On August 29, I tried to call to reach Sam again and got Brian. He started accusing me of being secretive and evasive since I wanted to speak to Sam. I would not give Brian any info and repeated I wanted Sam. Brian said he had no clue who I was and hung up on me. I called back and Brian answered again. I asked why he hung up. He did so again. I called the third time. I got Allen who knew before I said anything that I was calling in regards to J**. Allen would not tell me why they had my phone and asked leading questions. I did not give answers. I asked my own questions. He then stated that I was harassing him. I reminded him that they called my phone the other day. Allen hung up. I called again and got Allen. There was a pause before he spoke. Then, he called me Joanne (not my name). He said do not call again or he will block me. I told him I knew my rights. I told him not to call my phone again. He said "we will" and hung up.

I called again and got Allen. He did not give his name so I asked. He said, "This is the same person you have been speaking to." He then became really nasty and said, "Do you understand English?" And he began saying and spelling each word. I laughed and told him he was quite funny. I told him not to call me again. Allen said he would call his lawyer, because I was bothering him. I reminded him that his company called me and I was trying to find out why, and how they got my number. Allen then threatened to suspend J***'s license again. I said I would then have to involve my lawyer, as I have been online reading about all the fraud AFNI does and how they have a history of harassment themselves. He accused me of lying and wanted my lawyer's info. I said, "No, you guys do too much fraud and I'm not telling you anything." I then told him it was my turn and hung up on his tirade.

After that, I contacted another number for AFNI. I spoke to Leonard ** who claims he will handle making contact calls. And he said that he will let Allen know he crossed the line with an email. My insurance agent let me know that collection agencies cannot suspend the license of an insured motorist. Brian and Allen are rude and bullying. They shouted over me. They tried to embarrass me and trick me into saying info. I know how to play mind games. I did not let them run over me. That made them really mean. They are very unprofessional, even for a collection agency. I know. I've worked alongside collection agents.

2 people found this review helpful
Original review: Aug. 16, 2011

Afni Inc. continues to constantly call my home at all hours of the night about a bill that I don't even know about. The calls sometimes happen one right after the other and all they do is tell me "I have to pay it or else."

Or else what? That's a threat. I am unemployed and trying my best to finish school and they just continuously harass me.

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Original review: May 17, 2011

I too have just become a victim of Afni. I have received a notice that I owe $270 for a Nextel cell phone account that has been closed for over 6 years. It is so old that Nextel can tell me very little about the account other than it confirms the account was closed when I left for Iraq in 2005. I am going to attempt to fight this, but I cannot afford to have a negative notation on my credit report. How does a person fight back against this kind of abuse of the credit reporting system?

4 people found this review helpful
Original review: April 21, 2011

I applied for a loan, and Afni showed up on my credit report for a bill from Verizon in the amount of $143. I have not had service with Verizon since 2005, and no one at Verizon could provide me with any information after calling 12 different numbers from them. I have been reading reviews about Afni and have not dared call them because of the reviews.

What can I do to have this removed from my credit report? I have not received any correspondence from Afni regarding this account from Verizon. Also, I was denied a loan, because of Afni showing on my credit report, and I am trying to rebuild my credit.

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Original review: Feb. 7, 2011

I have received numerous collection notices from Afni for a Verizon bill I don't owe on. The last time I contracted with Verizon was years ago. And the bill was paid in full when I closed the account. I am currently contacting with Verizon and they showed no record of a past due bill now or ever. I've asked Afni to provide proof of their claim and have forwarded them information from Verizon. But they continue to contact me with collection notices and no proof of the bills supposedly attached to them. Isn't this harassment?

3 people found this review helpful
Original review: Jan. 9, 2011

My prior name was Kristin ** (7 years ago). AFNI sent a letter in that name to my current address stating that I owe $282.03 for Direct TV which I have never had. I called Direct TV and they stated the name was correct but the correct address is ** in Caney, KS. Direct TV confirmed that my address has never had Direct TV. How do I get this resolved so that I no longer receive these bogus past due letters.

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Original review: Dec. 29, 2010

In 2009, I applied for a car loan and noticed that my credit score had dropped from above 700 to the mid 600's. After reviewing my credit report, I realized that there was negative information on my credit report. I called the information on the credit report and AFNI, Inc. representative was very rude and asked questions about where I have lived in the past. I repeatedly told the representative that I have never had Dish Network service and have never done business with Dish Network.

The representative proceeded to tell me that since I had lived at the address then this was my account and it was now confirmed. I disputed the information and it has not been removed. Dish Network was never authorized by me to open an account in my name and I have never used their services.

It is quite ridiculous that a company can allow an account to be opened fraudulently and then charge the person with a delinquent account. I will also be filing a complaint against AFNI as they have negatively impacted my credit and caused my credit limits to be lowered and accounts to be frozen because of the negative information.

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Original review: Nov. 4, 2010

I have two items on my credit report from AFNI for a Verizon account that was closed and paid off in full in August 2007. I called AFNI and was told that the unpaid charges were for internet or additional services through Verizon. The AFNI agent repeatedly tried to obtain my Social Security number and additional information, which I refused to provide. I called Verizon and Verizon Online and was told by both that I had no outstanding charges and that nothing was ever reported to AFNI or any other collection agency. I am hoping to get assistance through letters from Verizon and Verizon Online substantiating that I have no balance and nothing was sent to collections. However, given that this account has been inactive for three years, it will be difficult.

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Original review: Nov. 1, 2010

My brother who lives in Portland, OR received a letter from AFNI claiming payment for a bill from Qwest Telephone in Colorado. I live in Morondava, Madagascar and sadly, my brother paid the bill before checking with me! I did live in Colorado back in 1992 but always paid my phone bills. The amount was small ($25.00) but who knows how many others have fallen for this scam!

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Original review: Oct. 28, 2010

Brian has called several times and left messages with family members, but would not tell them anything other than that his name was Brian. I answered a call today--the caller said his name, that he was with AFNI, and he told me which debt he was trying to collect on. He made sure to confirm who I was before he would say who he was. He asked me when I was going to be able to pay, and I told him that I was currently without a job, so I did not know when. He then (in a cocky tone) asked me how I was paying my other bills with no job.

That made me angry, but I told him that my husband was paying what bills we could, but we were getting behind. I asked him how it was his business how I pay my other bills, and what did that have to do with the bill he was trying to collect. He told me that he was allowed to ask and it was his business. I feel that how my other bills are paid is none of his business, and as I was trying to tell him this, he talked over me and chastised me for interrupting him! I told him that he was just as guilty for talking over me, and he raised his voice some more to tell me he was talking. At that point, I loudly said goodbye and hung up on him. I know what I owe, and I will pay the original creditor as soon as I am able. This was for just over $130, so no need for his asinine behavior. I searched AFNI on the Internet, and found numerous complaints of unfair debt practices, and I believe this was another.

2 people found this review helpful
Original review: Oct. 22, 2010

I had an outstanding debt with Alltel about seven years ago for an Internet card. I paid directly to Alltel until it was paid in full and they quit sending me a bill. Now about every two years I get a letter from Afni stating that I owe $367. The first time I called with check numbers and dates, after I called Alltel and they said I didn't owe them anything. The second time I just called and told them what had happened and that it had already been resolved. They said they'd look into it. Never heard anything again until just the other day (it's been about three and a half years now). Now they're claiming to settle.

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Original review: Oct. 21, 2010

AFNI Inc. has sent 2 Settlement Offers to date; naming Verizon as the original creditor, and stating I have an unpaid balance due for a phone number I've never had.

On two separate occasions, I called Verizon and both times they verified that:
1) My account has not been sent to collections
2) I've had a credit balance on my account & continue to have a credit balance

3) Verizon has no record of the phone number that AFNI Inc. is attempting to collect on

AFNI Inc. has now started to harass me with numerous calls on a daily basis and being mentally disabled, this has caused me to become a nervous wreck.

More importantly, there's no question that the AG, FTC, PUC, BBB, etc., are fully cognizant of AFNI Inc.'s constant and blatant violation of Federal & State Laws, as well as the criminal activities they engage in. Could someone please seriously explain why they're not in prison?

4 people found this review helpful
Original review: Oct. 6, 2010

Quest alleges that I did not return a computer modem to them. I received a shipping label from Quest and did as instructed. Quest tells me it's not their problem but is unwilling to provide a UPS tracking number, which I am unable to obtain because it is under Quest's UPS account. Now, they turned the matter over to Afni, which called and made veiled threats and sent a note that says, "...this office will assume the debt is valid." Okay, let them deal with the various state and federal agencies with whom I intend to file complaints and see if perhaps they enjoy doing needless paperwork for, in my case, a spurious claim.

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Original review: Sept. 21, 2010

I received a notice that they wanted to settle debt I had with Verizon. I do not and never have had a bill with Verizon! The young lady on the phone asked me my last two digits of my SS. I told her and she said it didn't match what she had, however she refused to delete my name and information from the system.

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Original review: Sept. 9, 2010

AFNI is trying to collect an invalid debt from me. I asked for validation of this debt within 1 day of receiving their first collection notice. AFNI violated the FDCPA by continuing collection actions within one week after receiving my request for validation without sending me legal validation of this debt. They are claiming a five-year old statement showing a current balance is validation of a debt. The issue with the original vendor (T-Mobile) was settled 5 years ago, and my account was credited due to an error (the reason for the inappropriate charge which AFNI now claims is a "debt"). I never saw the original statement that AFNI claims is proof of a debt against me. They are using an old statement to fraudulently extort money from me.

2 people found this review helpful
Original review: Aug. 19, 2010

I was sent to collection after their "numerous attempts" to contact me. My past bills with Verizon and collection agency were sent to an address that I have not lived at since 2000. The address that finally reached me is in **. My credit has been effected through absolutely no fault of my own as I was never contacted. Afni account ** at ( of 404 Brock Dr Bloomington, IL, 61702 is seeking restitution. They have been paid in full today, 8/19/2010, which is the day I received the notification. They will and cannot removed this negative filing against my credit. I would like all traces of being sent to collection removed. Thank you.

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Original review: June 25, 2010

I received a voice mail from someone named Maria at USAA. She left a claim number and said I needed to call her immediately. I called and the first thing she said was she could take a credit card for the amount of $4038.58! At first she did even want to provide any information about what she was talking about. It turned out she was calling about a car accident on October 27, 2006. I told her that was impossible because I was the person hit by the person they were calling on behalf of. It was a three-car accident and I was in the first car. I was rear-ended by car 2, which was rear-ended by car 3. I told her I could fax her police report, she said no.

After talking for a while longer she admitted that "Okay, we have the wrong person". I asked for something in writing from who I thought was USAA because she said that's where she was calling from, she said NO. I asked for a supervisor, so I get Allan. I again explained what had just transpired and again asked for something in writing or even an e-mail stating they realize they were contacting the wrong person. Allan also said no because maybe I was in "cahoots" with the Kevin (person driving car 3). I asked what does USAA stand for, he said nothing. So again he was also saying he was calling from USAA. At no point did either Maria or Allan state they were actually AFNI calling on behalf of USAA. I was then told by Allan that if I called back they would block my number from getting through! I had to remind him that they called me demanding for 4 grand!

So the next day I called Lisa ** (the person they were calling on behalf of). Lisa is my wife's friend and Lisa was actually following us that October night to a restaurant. Lisa was floored when we told her what was going on. Lisa then made a conference call with me to what I now know was AFNI and not USAA. AFNI claims that was the information given to them by USAA insurance. Lisa will be contacting the real USAA to get this matter resolved! AFNI sent me a threatening letter stating they would have my registration suspended if I don't pay the $4038.58. Isn't that called extortion? I am very worried that maybe they reported this on my credit or that they will have my registration suspended. God forbid my teenage son is driving and gets arrested because these crooks had my registration suspended.

3 people found this review helpful
Original review: June 14, 2010

Afni continues to send me past due notices for cell phone bills, which I have never owned. Every billing statement has a different owed amount. I am deployed in Iraq and do not have the resources to call and settle this mistake. I have read in several places the complaints and people who have been scammed by this company. It needs to come to a stop. I refuse to entertain these false collection statements.

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Original review: June 3, 2010

AFNI is showing three separate collection accounts from Verizon for $35, $87 and $176 from 2007 and 2008. I have contacted them numerous times with proof from Verizon that every account I have with them is paid in full. I have disputed at least 5 times with each credit bureau providing the proof from Verizon but the bureaus will not remove these 3 accounts from my report. This is causing a significant impact on my credit score and has resulted in adverse financial impact on several occasions. I have reported them to the FTC five times with no results.

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Original review: May 7, 2010

I received a settlement offer for an old phone bill with GTE Southwest Incorporated for a disconnected phone number. I don't know where that number is. I've never lived outside of this area in my life. I'd like them to get the correct person and leave me alone. I've never had a phone with these people and I do not owe them. Please leave me alone and do not call or write me again.

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Original review: May 4, 2010

I received a collection notice claiming I owe Verizon. I have never had any service with them and I live in Florida not NY. All they try to do is obtain info to collect this money that I do not owe. I want this off of my credit. This is identity fraud but they refuse to cooperate.

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Original review: May 3, 2010

I received a collection notice from Afni Inc on Saturday April 17, 2010. It had been mailed to my parents home on April 7, 2010. The collection notice stated that I owed $378.25 for an alleged account I have never had with QWEST. I called Afni Inc on Monday April 19, 2010. An employee told me they had just received my defaulted account. She gave me the address where this alleged landline was supposed to have been, (I lived there back in the year 2000), told me the account had been opened in April of 2002 in Spokane, Washington, (I lived in Tri-Cities, Washington), and also gave me the last two-digits of my SSN. The employee told me I was the only person affiliated with this account. The Afni Inc employee also told me she would take off $85 of the $378.25 because it was for internet service and I didn't own a computer at the time. The employee was adamant about me paying right then and there but I told her I would have to get back with her.

So I called QWEST and Kelley from QWEST looked up my SSN and could find no record of me ever having an account with them ever. In fact, in April of 2002 when Afni Inc said I opened the account/phone number, someone else had that number and that person did not have my name. Kelley, the employee at QWEST said her records went back to the year 2000 and my name along with my SSN were not in QWEST's records. Kelley told me she felt I was a victim of fraud. I asked Kelley if she could give me a letter stating the truth, that I had never had an account with QWEST and that in April of 2002 the account/phone number belonged to someone else. She said "no". It was against QWEST's policy.

So since all this, I have been working like mad to vindicate myself. I have sent Afni Inc a certified with return receipt letter demanding validity. I have sent my state attorney general a complaint letter against Afni Inc and QWEST. I have sent a complaint letter to the BBB against Afni Inc and QWEST. I have turned Afni Inc into the mail fraud inspection website. I have complained to the FTC regarding Afni Inc and I have gotten all three of my credit reports which show no debt to Afni Inc or QWEST and I have been working with a local police officer to pursue an investigation of fraud against Afni Inc. And last but least, I actually sent the Attorney General of Illinois a complaint regarding Afni Inc because Afni Inc is in Illinois. If we bang our feet on the ground, someone is going to hear us!

5 people found this review helpful
Original review: April 29, 2010

I was sent a letter asking me to pay Afni for an alleged debt I had with Qwest. I do not owe Qwest money and have a letter from a past collections agency to prove it. The other agency sent a letter stating I have no outstanding debt after I told a manager at the agency that I was considering legal action because my case was not getting resolved. This first debacle was almost ten years prior. Here is what I suggest doing if Afni is trying to collect on a debt you do not owe:

- Respond via certified mail to Afni that you dispute the alleged debt and you want proof that you owe them.
- Gather any and all relevant paperwork if you have any and file a written complaint to your state's Attorney General. Send via certified mail so you have a record (my state's Attorney General has already sued Afni).
- Google your state's Department of Commerce and file a written complaint. Companies can potentially lose their license to do business if the Department of Commerce investigates and finds a pattern of abuse.
- Contact your local media and have all documents scanned so you can email them (my local paper is looking into my case right now).

- File a complaint to the Better Business Bureau.

Whatever you do, do not pay debt you do not owe! There are lots of ways to stand up to these people.

3 people found this review helpful
Original review: April 22, 2010

I received a Settlement Offer letter in the mail from this company. The original creditor was listed as AT&T Mobility whom I've never had an account with. When I called AFNI to inquire the representative informed me that the amount is from 2002 and I need to call AT&T for further information as why I am receiving this Bill. I called AT&T and spoke to Augistine ** who was unable to find any account under my Social security #. I then asked if he can conference AFNI on the line so we can resolve the issue. That was big mistake. Do not call them as AFNI will just harass you.

His conference AFNI on line and a representative named Chance picked up the phone. I explained that this must be a misunderstanding as I never had an account with AT&T and even AT&T on line was unable to verify, this Chance person informed me that account was sold from Cingular to AT&T and now AT&T sold this issue to AFNI and since AFNI has paid the amount to AT&T I have no choice but to pay AFNI. I then asked AT&T as why they never contacted me ever about this, the AFNI Rep Chance started harassing me by cutting off my statements and speaking in very high tone, He didn’t let AT&T rep answered any of my questions and when I asked questions, He would answer instead of AT&T (which I found amazing since he was guiding the AT&T rep to look up information correctly harassing AT&T rep as well. Are they in this together) over all it became a heated conversation? Chance became Very rude. I asked for Chance last name and he refused to provide me his last name stating that he cannot provide his complete name, company policy?

I have never worked with any agency in my life where they were not allowed to give their complete name. The conversation became so heated that I started crying (yes they can harass you so much, calling me Liar indirectly). I finally gave up and stated that it’s not worth my time and I will pay the amount even though I don’t agree with it. After the call, I researched on Internet and found many complaints about this company and how they are scamming people. I wish I would have searched this before calling them. I have no problem paying to original creditor (if any) if they have reached out to me directly but in this case I never had any account with AT&T or Cingular. What I don’t understand is that where they are getting this information from as they are using this information against consumers. They are trying to collect on already paid decade phone bills. There are So many complaints about AFNI on line and why no government agency is doing anything about it? Why there is no Law suit against them?

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Original review: April 15, 2010

We received a collection letter for a debt of $26.48 supposedly owed to QWEST. We have never dealt with QWEST, don't even know what it is, and have never received a bill from QWEST. The Attorney General should look into this Afni outfit.

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Original review: April 12, 2010

I had a alleged bill with ATT/Bell South like 7-8 yrs ago. This APni is stating on my credit report that this is out of statue of limitations, past 7 years and this collections is not in SOL. Meaning they are scavenger collections and rip me off for money they do not deserve to get. Also 2 book clubs, a Doubleday Book and one Spirit Book Clubs have my credit report with these 3 items and this is preventing the loan agency to give me a house loan and I have to ask for help with this, will you help me and as soon as possible get this removed from my credit report, so I can move back home to WV.

I am trying to get a loan for a house back in WV and I have to clear this up before I can apply for a loan. And this makes me feel upset. I am on SSI benefits. I am permanently disabled and I do not have extra to pay too old of bill and APN are rip off-scavenger collections. So please help me out here and get this taken off my credit report. I have medical reasons I have to move from TN back to my hometown in WV. This year, I have my hands tied when I was so sure I would not have anything on my credit report. These 3 items are holding me back. Unless I pay them, and being scavenger collections, these are rip off companies. I wish President Obama would do something to these scavenger collections and run them out of.

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Original review: April 3, 2010

I received a letter for a discounted payment offer from AFNI. The original debt shows to be Alltel, but I've never had credit or made a purchase from Alltel. The amount of debt I supposedly owe is $495.01, but they're willing to forgive it if I send only $100 to AFNI. First, if I owe an old debt I would pay it to the original company; and second, I get my credit report monthly, and looking back there isn't anything that looks even remotely similar. Is this a scam? Frustration. Missing service. This was the first letter from them. If they suddenly appear on my credit report, I will be beyond pissed! I've worked hard to get my credit in better shape lately and this is not going to bring it down if I can help it.

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Original review: March 20, 2010

I received a "collection notice" from AFNI trying to collect $77.44 from the "original creditor" Qwest. I haven't used Qwest in over 8 years and did not owe them money. The letter certainly appears legitimate by the line that says "This collection agency is licensed by the Minnesota Department of Commerce". It also includes a privacy statement and also invites me to manage my account online. This absolutely is a scam and I will have to wait until Monday to determine if this crap has affected my perfect credit in any way whatsoever. Someone has to stop this company! Thank goodness I had the sense to Google this company and see all the other victims of this scam before paying any money or giving out personal information.

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Original review: March 19, 2010

Just checked my credit report to find I was reported to be delinquent on an account I have never had nor know nothing of. I have never been contacted by this company and do not owe anyone. My payment history is perfect and this is not my account. I now have a negative status on my perfect credit report.

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Original review: March 12, 2010

They keep sending me a collection settlement notice stating they will settle a $564.75 bill from AT&T mobility which is a phone company I have never ever used for $25 and it will be settled in full if I pay them. This is a scam. They keep sending me letters and when I call, I can't get anyone on the phone!

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Original review: March 11, 2010

I received a Settlement Offer letter in the mail from this company. The original creditor was T-Mobile whom I've never had an account with. When I called to inquire, the operator asked for the last 4 digits of my ss#. I refused and gave my birth date instead. She then asked if the last two digits of my number were 44. They are not. She said the letter was meant for someone else. What?! How many people are getting scammed by this company?! And is T-Mobile aware they are using their name?

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Original review: March 6, 2010

This place called my home at 9:00PM for a person who does not live here. I was outraged to be awakened by a computer generated call from a collections company calling a wrong phone number. This is not normal business hours! I asked what company this was, then told the representative to never call here again. I want them reported, disciplined, fined, whatever it takes to prevent them from calling at all hours of the night. If you call my house that late, you had better be in the hospital or dying.

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Original review: March 2, 2010

This collection agency has called several times asking for a person that does not live here. We have asked them each time to remove our number from their list since the person requested does not live here.

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Original review: March 2, 2010

Another address on letter: P.O. Box 223721, Dallas, TX, 75222. I received a letter trying to collect a $125.00 balance on a Qwest Bill from March 2003! Qwest told me that the name, address, social security number are not mine. I have never had a Seattle number, address or heard about this! It has never appeared on any credit report, either! This is just criminal to treat people this way! I have sent a "dispute" letter to both addresses and also faxed the "dispute" letter. I contacted the local police who said that is it "fraud", but not criminal yet.

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Original review: Feb. 19, 2010

A "collection agency" supposedly wanting to settle a $276.89 debt for $50. They claim "Sprint" sent this to collections. The only problem is I've had Verizon for over seven years now and have not used Sprint at all. (Absolutely no need to call Sprint because they wouldn't know who I was anyways). This has to be a scam. I tried to call the 888 number and no answer, but they want you to settle online. (They even misspelled my name). The return address on their "Bill" only says: Send to: PO Box 223721 Dallas, TX 75222. Please close these scammers down now! Thank you.

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Original review: Feb. 13, 2010

I received a collection letter from the above agency addressed to my late husband, who has been deceased since July 1999. The name used in the address was a shortened version of his name and he never signed this name on any check or contract. Afni states the original creditor as Alltel saying the balance is $320.40 but they would settle for $100. At no time did we ever have any business with Alltel and I didn't even know what the company was until I looked it up on the internet. I paid all of the bills throughout out 25 year marriage and at no time have we ever been late with any payment to any creditor. I checked my Annual Credit Report each year and have a rating of 810. At no time has any mention of this so-called outstanding debt shown up.

Now, in addition to the letter received, I am receiving recorded telephone messages which say that only my husband (using his shortened name) should listen to the call. These calls are annoying, if not to the point of harassment. I went online to see what Afni, Inc. was and found page after page of consumer complaints about this same issue. Can't something be done to stop this scam as I'm sure a lot of people may not keep as thorough records as I have and might possibly go ahead and pay them when it apparently is fraud and a scam?

I am going to contact my Attorney General for the state of Tennessee. Something needs to be done. There should be a class action lawsuit against this firm by the many people who are being victimized. I am a senior citizen (64) and I wonder if they are targeting seniors, especially when a spouse is deceased and the surviving spouse may not be fully aware of what transpired and especially, in my case, waiting 10 and a half yrs. after my husband's death. This is fraud if not criminal.

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Original review: Feb. 12, 2010

I received a collection notice from this company AFNI, 3 years ago claiming I owed $626.35 from a Nextel bill that was 7 years old. After speaking with Nextel (now sprint), we could not confirm or deny this bill that I owed or I paid because of the time that passed and that their systems changed over since the acquisition of Nextel.

After battling with AFNI for a year, I finally gave up and took the 50% settlement amount of $318.18 and received a payment in full settlement letter.

Now on 2/5/2009, I received another collection letter with the same amount. After proving I paid, I thought it was over until I just received another letter on 2/5/2010 for the same amount. I have been battling the credit agencies for two years to get this removed and lost credit cards and have been denied car loans because of this bill I didn't owe in the first place. In addition, I have been a Sprint/Nextel customer for over 10 years and never did they send me a late bill or shut down my phones because of non-payment.

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Original review: Jan. 28, 2010

They report false or improper dates on reports given to the credit bureaus and report open accounts as delinquent accounts to credit reporting agencies. This may have adverse effect on credit due to older accounts not coming off credit reports.

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Original review: Jan. 27, 2010

I received a bill from AFNI this past week (1-26-10). They stated I owe Q-West $617.68. I have a current Q-West account, therefore I contacted Q-West and the only account I have with them is my current account. The customer service rep made an exhaustive search and couldn't find anything I owed other than my current account. AFNI seems to have a passion for trying to collect cellphone or other telephone bills that people do not owe. I feel an investigation at the federal level is appropriate.

2 people found this review helpful
Original review: Nov. 28, 2009

Discovered a $40 collection record on my credit report in Nov, 2009. called the company & learns that I owe verizon from Oct. 2006 which i don't know anything about. Never being late once on all of my bills plus I'm paying bills of over $10,000 each month. Please help stop this co.

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Original review: Nov. 24, 2009

I contacted the company to attempt to pay a bill do to a car accident.I asked them to prove who they were, as it could be a scam. They refused to prove who they were, or send me any additional info on our car accident.Then they proceeded to ask me to lie to my state DMV,by attempting to get me to agree to a billing amount i could not pay. I asked them if we could get a lower amount that i could afford or if I needed to get a judge to approve that .He than proceeded to get a manager. Who also asked me to lie to the state.When i told her I would like to receive a statement she stated "That is for our records only we do not need to show you that.No no we don't need to send you that." I was appalled that any company would allow that type of behavior from their employees.

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Original review: Nov. 24, 2009

AFNI or AFNI Bloom or AFNI inc or however many ways they choose to disguise themselves, says I owe money from an old cingular cell phone right after they became AT&T. I called them and explained to them that I have been in good standing and had even just completed a contract with AT&T but they claim are no help...AFNI also mixes up account numbers to where you have no idea which is which. They are clearly out of control and should be fined!I hope a class action lawsuit is in the works.

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Original review: Nov. 19, 2009

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Original review: Nov. 3, 2009

This company is appearing on my credit report, after several calls I found out this is for a Verizon bill. This was a home phone in a city that I never lived in!! Nor do I know anyone with Verizon. This is the only flaw on my credit report...please check out this company

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Original review: Oct. 26, 2009

the reason that im having a problem is that thiz company afni from at&t mobility has been sending me bills for years now, but the thing is i never ever in my hole intire life had at&t and i think someone took my information some how and it appears that supposably i have 3 different account for at&t but i never got at&t.i would like to see if you guyz can some how talk to the company so they can stop sending me all this stuff that i never even applied and erase this account form my credit buirror. thanks for your time have a greta day.

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Original review: Aug. 31, 2009

I received a “Discounted Payment Offer” from this 'collections agency' for a bill supposedly owed to Verizon. I have never missed a payment to Verizon, nor have I ever been late on a payment! I verified this with Verizon, with whom I am a 'VIP' customer! I am a federal investigator and found this to be very suspecting. I am debt free and have a very high credit rating. I went online and found that there are 2,680 entries on complaints about fraudulent billing related to Verizon from this same company! Please investigate! If this has been reported to the Credit Bureau, it will affect my FICA ratings!

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Original review: Aug. 27, 2009

On August 25, 2009, a collection notice was addressed to Lonnie **. I opened the letter to find that it was a collection notice from Afni for Verizon Wireless original account number **, in the amount due of $444.29. I called 1-888-257-1585 twice. The first person indicated that the birth date was **, which is Lonnie Joe **, not Lonnie **, as indicated on the collection notice. After a heated conversation that got nowhere, the first person hung up. A second call was placed and Jim indicated that the SC state law prohibited them to talk to Lonnie Joe **, that they needed to talk to Lonnie **. Lonnie Joe ** has a business phone with Verizon Wireless, that is in SL Masonary. This account does not belong to Lonnie Joe **. Apparently, Afni has obtained the incorrect SS number and the birthday to attach to Lonnie ** for the $444.29 debt due. This is clearly a violation of the Fair Trade Act for privacy. Lonnie Joe ** does not have a bad debt.

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Original review: Aug. 25, 2009

Out of the blue, I too got a collection notice from this Afni. It was over a cell phone that I had back in 2002. They tried to say I never paid my last bill, but I knew I had so I just ignored it (it was just for $56). Then, I went to get a loan and found it was on my credit report. I looked on the Better Business Bureau website about collection scams to see what I should do. I called Afni and the minute I mentioned the Better Business Bureau, they put me on with a supervisor who said they would put a dispute on the account and start an investigation. One week later, I got a letter in the mail from Afni apologizing for the problem and they closed the collection and removed it from my credit. I agree with previous post that they are getting old phone accounts and just trying to scam people.

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Original review: Aug. 21, 2009

I have recently checked my credit report and noticed a company named Afni, Inc was on there for a debt from Qwest, which I have never used. It showed up with a date of 09/2008, and I've never used that business or anything. Now, I'm trying to find the phone number for this business, because their website doesn't have that or an address for them. Any info would help tremendously. Thank you.

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Original review: Aug. 18, 2009

I have been getting collection letters from them when I don't owe anything from Verizon in 2002. Every time we get letters from them, my husband stresses out, which is not good as he has a heart condition.

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Original review: Aug. 15, 2009

I received a notice last month from Citibank saying they were canceling a MasterCard in my (maiden) name due to an Equifax report warning them I had "serious delinquency" on my credit report. I called Citibank and then requested a free copy of the report from Equifax and the only item of concern on it was from a collections agency called AFNI, Inc. stating I owe $43 for unpaid "utilities" that first went delinquent in November 2002, but hadn't been reported to AFNI, Inc. until August 2008.

In November of 2002, I had no utilities as I was living with my parents and didn't even have a cell phone. Furthermore, I'd been living with them for most of that year, so I hadn't had utilities for a while. Why would AFNI not receive something for collections until 6 years later and why hadn't it shown up on my credit report until July 2009? The whole thing is suspicious. I've already filled out the paper Equifax provided to dispute it. So far there have been no damages resulting from this other than the cancellation of a Citibank card I didn't even know had been opened in my name. I hope to have this resolved before I need to have my credit report pulled for something like a car loan, though.

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Original review: Aug. 12, 2009

Afni, Inc. used a false debt to ruin my credit. They claimed that I owed a phone bill to GTE. This company has never operated in Kingsland, TX as far as I know.

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Original review: Aug. 9, 2009

I received an alert from my credit monitoring company. It stated that a company called AFNI placed me in collections recently. Also, another alert stated that "Anderson Fin Network" recently placed me in collections for over $500. It states that the date the account was opened was May 2009 and that the account was delinquent. However, I did not open any recent accounts nor did I receive any information regarding these two companies. I researched and found that other people have recently encountered the same issue. I am writing to the 3 main credit agencies to dispute, but something needs to be done quickly! As a result of these two derogatory listings, my overall credit score decreased by 15 points.

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Original review: Aug. 7, 2009

I received a "settlement offer" from this company supposedly about a phone I had had back in the 1980's. My suspicions were aroused, since I had used that phone company long after the alleged number Afni said that I owed on. In other words, if I had owed money in the past, the phone company would have followed up on a new number that I had. Based on this and from the above letters that I read, Afni must acquire long-dead phone numbers and write to people, hoping to find someone who may have not paid up their bill in full or who may not recall something long dead. Afni is a scam searching for pigeons. I submit this mainly as a warning to others.

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Original review: July 23, 2009

I received a collection letter from Afni in regard to a Verizon phone, which I had disconnected in 2003. It was paid in full at the time. Never have I gotten any notice from Verizon that they thought that I still owed them anything. I have not called them. Their letter gives a web address, which I will not go to as I suspect it may be loaded with a virus.

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Original review: July 21, 2009

I received notice from my credit watch that a possibly adverse entry was to my credit report. I checked, it was an entry by Afni, Inc. I called Afni, Inc. to find out what this was all about. I never received any letter from them concerning and collection effort. I first talked to a lady named Angela, who transferred me to someone named Jason **. He would not give his last name. I asked for his ID number, which he gave me as **. He finally turned the phone over to his supervisor, Robert **. I finally got out of Mr. ** the fact that they were trying to collect for AT&T. I told him I canceled AT&T services way back in 2001. He then stated it was for a cellular phone service and mentioned Cellular One and Cingular.

I did have Cellular One service, which I canceled in 2006, paid in full. After further discussion, Mr. ** said he would cancel out and try not to collect, and send a letter to me of that affect. I might add, this came up after I told him that I had researched Afni, Inc. on the web, and had read dozens of reports about other people's complaints about Afni, Inc., a little detail. This adverse information was posted to my credit report on July 12, 2009. It was caught by the credit report company Experian on July 16, 2009, and an alert was emailed to me July 17, 2009. I made my call at 7:28 a.m. July 20, 2009. The very same day, I received another credit alert. This one showed an account opened on May 1, 2009 in the name of Anderson Financial Network in Bloomington. I never opened an account with them.

How could they arbitrarily enter this in my credit report? And why did it show up the same day I talked to Afni, Inc.? The answer of course is that Afni, Inc. and Anderson Financial are one and the same. This is an outrage and these people have to be stopped! I now have 2 entries in my credit report that are detrimental to my financial well-being. It has also taken an emotional toll on me, anger, frustration, and a feeling that I cannot resolve this issue with people who tell you one thing and do the dirtiest they can after giving assurances they would cancel out the bill they said I owed.

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Original review: July 18, 2009

I received a collection letter from Afni for a Verizon bill, with a phone number which I never had, for $214. No explanation was given. Do they even check to see if these are real accounts before they start sending out statements? I never had this account in my name and Verizon has no information on the number. Is this a real company or a scam company trying to get people to pay for accounts that never existed?

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Original review: July 7, 2009

I just received a letter from Afni, Inc. about a past due on a Verizon account I do not have. Also, it has an address fro California and an address for Bloomington, Illinois. I contacted Verizon and I have no outstanding balance.

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Original review: July 3, 2009

Afni continues to send me outstanding bills from several cell phone companies I have used in the past. I have called all of them individually, and I have a zero balance! According to Afni, I owe $919.31 on Nextel alone! This is a scam! I've tried calling them, and they kept insisting I owe when I know I do not! Someone has to stop them!

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Original review: June 9, 2009

I received a collections notice for $591.88 for a Qwest account that was not delinquent from 8 years ago. I contacted Qwest to get more information, but they said I needed to talk to the collections agency. I asked how I was able to get service if I owed so much money and why no one said anything when I spoke with Qwest several times over the years. The representative stated, "We send out one bill and one bill only." This was for a cell phone; I was unhappy with the service and informed Qwest I would not be renewing my contract. Six days before my contract was up, they cancelled my account and charged me $200.00 cancellation fee. I paid the $200 after fighting for months over it and now I owe $591.88? Afni will not speak to me unless I give them all my personal information, which I do not want to do. I told them I would not and was told "your funeral". What is that supposed to mean? I tried to speak with Qwest about this, but they would not help me and did not care how this reflected on them.

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Original review: May 28, 2009

trying to collect debt over 9 years old or older harrassment

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Original review: May 26, 2009

I received a collections notice from AFNI, inc. for a T-Mobile account I never had. I immediately became concerned about my credit report and decided to order an all 3-Report to find that AFNI has ruined my credit score and made a major negative impact on my credit. I went from 740 to 676. Something is incredibly wrong with the credit system when a scam collection agency has the right to enter a false claim on your credit report and the credit agency's way of determing if it's yours or not is simply sending a one page questionnaire asking for basic information which anyone can pull off the web to tie me to this collection. This drives me insane especially when I was just about to apply for a home loan and now can't because of this. If you google AFNI or T-Mobile disputed charges you will receive a windfall of negative information about the tactics this collection uses which is illegal and against the fair credit reporting act. We, the people of the United States need protection from such faulty laws. Collection agency's should not be allowed to report to a credit bureau. Only trustworthy companies such as a utility company or a credit card lender etc. should be allowed such powerful motions. This law requires change fast especially in these hard times when good, honset working folks are being affected.

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Original review: 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 smart a.. attitude.

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Original review: 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.

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Original review: 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.

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Original review: April 21, 2009

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. There was 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. Furthermore, 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, 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. Furthermore, I had done my research on AFNI, Inc., as I had questioned 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 person's personal information.

2 people found this review helpful
Original review: April 15, 2009

I pulled my credit report last week to start working on improving my credit score. I knew I had some delinquent accounts since my husband's injury at work, but I had no idea it looked like it did. Afni, Inc. has me owing Alltel for 4 different accounts. I cannot see a company giving out an account after one is delinquent. 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!

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Original review: April 13, 2009

My name is Mark **. This is what I noticed: several years back, I was applying for employment and most companies run background checks and also credit checks. With the credit check, I asked for copies of my credit report to be mailed to me. I was reviewing my credit report and noticed that I had an outstanding debt for a T-Mobile account for $869.15. The first thing that came to mind was I've never opened a T-Mobile account, and I've never stepped foot into a T-Mobile office to open an account. 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 account in the past. The rep said that it may not have been a T-Mobile account back then. I mentioned to him it didn't matter because I was never delinquent on any cell phone bill, and if I was, it was definitely resolved. Either way, I had the rep tell me what name was the T-Mobile account opened under, etc., etc. He said it was opened under a Jocelyn and Mark ** 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 definitely 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 account, and I will be disputing this. After about a week and a half, I received a letter from Afni in response to the letter I sent. 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: copy of actual proof of 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 account in question and asked what date was the account opened. The T-Mobile account in question was from July 23, 2002 to November 29, 2002. Overall, I find this very odd. Since this has been a delinquency since July to November of 2002, and between that time and the day I received the collection notice from Afni, I was never contacted by anyone regarding this T-Mobile account. Why am I now being contacted 6-7 years 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 accounts. 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 and Social Security is my info.

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Original review: April 1, 2009

I received two letters billing me for $1200 for one bill and the other was for over $300. I called and told them they were mistaken, they were not my bills. They said it would take 30 days to investigate. I looked on the Fair Trade Commission website and from there wrote Afni a letter:

#1 The debt is over 7 years old so they cannot report to a credit reporting service (debts are not mine).
#2 The debt is over 5 years old (Florida statute) so they cannot sue me for the debts (which are not mine).
#3 I wrote that they may not contact me. FTC rule. If I tell them they cannot contact me, they have to go back to the original debt holder for them to call me.

#4 I contacted Verizon and they had no record of the debt and would not on a debt that old.

This company is fishing. If you play with their bait, they will use up your time to write the same letter. It must be delivered to them within 30 days of your receipt of charges, return receipt requested.

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Original review: March 27, 2009

They have been sending notices for a debt with AT&T MOBILITY despite the fact I have only once have I subscribed with AT&T, and I'm still a customer.

I dialed *67 when calling them just in case they use caller ID. I refused to give my account number to them.
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Original review: March 24, 2009

Afni collections inc is the worst after I contact them and told them this Verizon account is not mine, they started to say that if I dont pay them their money they was going to send the police to my house and have me put in jail for nonpayment. I told them I dont owe them anything and to send me a bill stating I owe this money they did not , then they was calling me all day and night on my home phone leaving all types of nasty messages is this the way a collection agency to act?. I tried blocking the number but they keep calling from different numbers. Then they started calling my job telling the people I work with not to trust me that Im a thief and dead beat that dont pay his bills. These people are sending me crazy for an account thats not mine I called Verizon about the account they said they have no record of me having an account with them..When I told afni this I was told thats not there problem? they want their money and if they dont get it Im going to jail.

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Original review: March 12, 2009

I received a collections statement using the wrong last name for a business I never have used in a town 400 miles away from where I live. Afer calling to report the bill was an error...the person quoted my correct SSN and Birthdate. Then accused me of either so-signing for the use or denying I was responsible. He kept stating 'WHO DID YOU CO-SIGN FOR' and ' WHY DON't YOU PAY TO CLEAR YOUR NAME', etc. I became very frustrated. Later, I checked my credit report and found I had one negative mark.....from AFNI.

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Original review: March 11, 2009

I have received a negative charge on my account form AFNI, Inc. for a Verizon account that I have never taken out. I have never had Verizon cellular service nor home phone services. I am wondering why I am receiving a phony charge of $550.00 on my credit report for a charge that I have never created.

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Original review: March 1, 2009

I received a letter from Afni about a T-Mobile Debt. I have never had T-Mobile service in my life. I might have had a phone from a company that T-Mobile bought but that would have been over 8 years ago. They are trying to bill me $331.24. This debit does not show on any of the three credit reports, and at first I thought it was a scam until I had seen the pages of complaints on multiple sites about their company. I have no intention of paying this debt.

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Original review: March 1, 2009

Few years back some one use my social security #,I report this to all the credit report agencys.I send copy of the police report,letter of investigation from,AT&T,T Mobile,etc from every one.Now after over 2 years this company (AFNI INC)report on my credit 2 collection,one for 200 and on the other for 815,I have been disputing this information but they dont want to delited.

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Original review: Feb. 27, 2009

Received a collection notice for money I do not owe.

They state they acquired this from Verizon California Inc for the amount of $383.81. This is NOT valid, it is not due, it is not even on my credit reports.
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Original review: Feb. 22, 2009

I was contacted by an attorney who has started a class action suit against AFNI

2 people found this review helpful
Original review: Feb. 15, 2009

I have been receiving letters from AFNI regarding an overdue bill from Verizon from December 2004 in the amount of $1119.35. I have also received bills from you with amounts saying what I promised to pay. I have NEVER said I would promise to make payments. I have been dealing with Verizon for years and I continue to receive service from them. I have also changed my mothers phone account from her name to mine with no issues whatsoever. This so-called bill has also not appeared on any credit reports. I have discovered that the statute of limitations have expired on this so-called overdue final bill. I WILL not be sending you payments on this account. And if I continue to receive correspondences from your company I WILL be in contact with the Better Business Bureau and the state attorneys office.

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Original review: Feb. 13, 2009

i received negative mark for 2004 that i never had service in that year and i have got more info for this company

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Original review: Feb. 13, 2009

I Checked my credit report and observed a deliquency originated through SPRINT, I contacted AFNI INC that the account was forwrded to and spoke with TAMMY. This representitive was advised that this bill was paid in full 3 YEARS AGO and I have all the paperwork that states it was paid. TAMMY stated THATS NOT MY PROBLEM THIS WILL CONTINUE TO STAY ON YOUR CREDIT REPORT UNTIL WE RECIEVE THE PAYMENT OF 465.00 and proceeded to hang up the phone. SPRINT was contacted and the issue was resolved. TAMMY contacted me back after she was issued a notice to remove themselves off my CREDIT REPORT from SPRINT due to a mistake; TAMMY states it will not come off the credit report because AFNI, INC is responsible for the account. NOW we go to court. (REMEMBER record your conversations and get all names that are involved.

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Original review: Feb. 10, 2009

i got this statement in the mail that said we will settle for $81.96 when the bill was normally $168.92. I called them to find out information about this because i don't have cingular. I had cingular when i was 18 i am 26 now and they sent me a bill when i was 18 for $94.00. I paid them the $94.00 and got a letter back saying thank you for your payment. 8 years later they send this and said they never got the 94 dollars but now they will settle for 81 dollars. I believed this at first but then i realized when i talked to the person on the phone she said it was in 2001 and then i realized i was 20 i had sprint not cingular.

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Original review: Feb. 10, 2009

Trying to collect a Sprint bill for 1296.96 Issue is I don't have Sprint. This is Fraud and I want them stopped.

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Original review: Feb. 10, 2009

I received a collection letter with a balance due from Qwest. John, from AFNI told me the bill was dated March 2004 and that I owed money. I told him I had bills dated 2006 and no where did it have out standing balances. He said I was lying and that he was going to but this on my credit report. he told me that I needed to give him my information and my credit card number and pay half the balance ASAP or they were going to report it to my credit report. John raised his voice several times and told me I had to pay or send him a bill that showed it was paid in full. The account number did not match my bills either.

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Original review: Feb. 7, 2009

I continue to get collections from them for an account with Verizon from who knows when because they don't state it. The phone number is in Ohio, and I haven't lived there in over 10 years. And when I did there wasn't a Verizon Phone company-but a Bell.

They originally wanted 137 dollars and now they'll take 68 dollars.
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Original review: Feb. 5, 2009

I was contacted in early 2004 at my home by a 'representative' of AFNI who sarcastically began the conversation with "Why don't you pay your bills?" As I pay my bills online when due or through automatic withdrawal, I began asking who he was, what it was about, etc. He claimed that "I" had opened a Nextel account in 2005 and owed $3604 and if I didn't begin making immediate payments it would be placed on my credit record. Upon further query of this 'representative', he stated that my address was in a city I'd never lived and that the account had been opened in early 2005. I explained that in December of 2004, my laptop with my personal information had been stolen from my car and a police report filed and that I have never had any other mobile service other than Sprint since early 2000 and paid my bills online automatically. He said he would mail a complaint form that would take a few weeks to arrive. I was instructed to fill it out, mail it back and they would forward to Nextel. Several months went by and no documents had arrived. I contacted the rep at AFNI and was told he was too busy to talk to me so I asked to be diverted to his supervisor. Upon talking with the supervisor and letting him know I still had not received the documents, he said they were mailed out earlier and my contesting the claim was sent to Nextel and they would be the next party to contact me. I asked for Nextel's contact information and was given an 800 number. The documents did arrive several weeks later. I did contact Nextel and they said they, too, would send out documents to be filled out. I sent AFNI's documents back to them with a copy of the police report and other items they'd asked for but never heard anything back from them until I went to apply for a home loan in 2007. It was at that point that I discovered my credit was preventing me from getting a loan due to a collection from AFNI. I immediately contacted AFNI and went through the whole process again of telling them the story, filling out the paperwork, etc. Being between a rock and a hard place, I needed a place to live and to take a loan that is now costing me horribly in this economy. (I had tried renting but because of the collection posting from AFNI, I was never approved for a rental and my only option was to buy and be done with it.. or so I thought.

Several months after moving into my new home, I received a letter from AFNI offering to withdraw the collection if I paid half of the $3604. I then received notice from the credit reporting agencies that AFNI had again posted a collection notice with a new date. They did this 3 times past the original post date. Every time they do this, it affects my credit score and costs me time and money for I have to log back in to a reporting agency and dispute their claim. It's the same information every time: this is a case of identity theft, I am not responsible for these charges, my laptop was stolen in 2004 with pertinent personal information, an account was opened with Nextel in my name but different address in 2005, I have provided both AFNI and Nextel with the appropriate paperwork and have never received confirmation that they've even looked at it. I still receive letters from time to time from AFNI with the same offer of my paying them half and their posting another 'collection' on my credit report and I find this mindless hassle. I have wasted my time, energy, worry, frustration and loss of a place to live due to their actions. I am now saddled with a mortgage I can barely afford. Still, all in all, it is Nextel's failure to verify who it is providing services to and the onus should be placed on their procedures and policies. Neither Nextel nor AFNI has ever told me what the charges are for despite repeated requests...a phone bill, long distance, a phone system? I have no idea. And, why would they let a bill grow to $3604 before doing anything about it??? This is absolutely mind boggling. By the way, the address AFNI orginally told me I lived at is/was an empty piece of land. Nextel's bad billing policies and lack of verifying it's account holders primary information should be investigated.
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Original review: Feb. 3, 2009

I received a Notice from this third party collections agency back in June advising me that I owed $750.00 on my Sprint Bill. I did owe sprint money so I called and heard them out. They advised that I could pay around $300 one time payment but that my credit would still suffer. I could also agree to give them my bank account information and they would accept 3 $180 payments for a total of about $520 and that Sprint would consider that as paid in full and they would report to the Credit Reporting Agencies like I paid my bill in full from the get go. I'm desperately trying to fix my credit so I agreed. They advised that my final payment would be in September and that I should be receiving a letter by 10/31/08 from them and Sprint finalizing that the Credit Agencies were being notified that I paid in full with no penalties. November came and still no word from AFNI. I called on November 8th and they acted surprised because the submission to Sprint had not gone through yet. They advised to call back in a few weeks. I called back again around the second week of December only to have them give me the same answer but this time they added that for some reason Sprint was not returning their requests and that the AFNI Representative in charge of the Sprint contact will try to contact them again.

February 2nd 2009 - I call AFNI again and the first rep tells me that Sprint has not come back with their reply but that he can close the account at AFNI (Which at Sprint would remain open). The rep told me that Sprint had my payments. I advised the rep that I will contact Sprint about the matter. I called Sprint and they did not even have me in the system and transferred me back to AFNI. Once I contacted AFNI again the rep advised me they can't do anything and she transferred me to a supervisor Angie. Angie proceeded to tell me that they have my money not Sprint but that they could not release it because Sprint has to send a Reply back. I explained to her that this has been going on for 3 or 4 months already and that I need resolution on the matter. She only offered to resubmit my request. I asked her to please conference call a Sprint representative with us so we can sort it out, but she refused. She advised that they do not have a phone number for Sprint and that only one of their specialized reps can do it but they would have to submit a request. At this point I demanded my money back and advised I would pay Sprint directly. She advised she will not release my funds. I ended my call by requesting their legal departments contact information.
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Original review: Jan. 28, 2009

I received a collection notice from Afni 1/26/09. It contained no info other than an Afni acct.#, balance due of $45.98 of which they so graciously would accept $36.78 (20%off), creditor (Verizon South, Inc.), creditor acct.#, and date of 12/11/08. I have never used Verizon South, or any other Verizon compass direction. I am shocked to read all the complaints against them for practically the same reason - bogus debt with cell phone carriers. They pulled this from somewhere out of the past because they used my maiden name. I was married and changed my last name in 2000.

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Original review: Jan. 20, 2009

Keep getting Settlement offeres from AFNI on phone service I've never had. They started with Sprint, then Verison now it's ATT. Same claim different phone companies. Been going on for several years now. I have just been throwing out their notices, but now I'm going to start keeping them. I think they should be sued.

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Original review: Jan. 20, 2009

I found out that I have been a victim of identity fraud in 2007. I had two collection accounts on my credit report. someone had obtained services with my SS#. I contacted the merchants and after submitting all the required information to these two companies, they found the accounts to be fraudulent and dismissed the charges and informed the above collection agency. Although one of the accounts was removed from my credit, it has reappeared after 18 months and the other account remains in collection. I have contacted the collection agency many times to find out why the account appeared again and why the other account has not been removed even though I have confirmation from the companies that I owe nothing. They will not provide my with any information and will not remove the collection from my credit. They have ruined my credit even though I have proof that all these charges are fraudulent. This collection agency seems to be a fraud itself and is using victims like me to collect easy money.(Please type in their name on the internet and see how many people have been wrongly accused of debt by this collection agency). The companies that they claim hired them to collect money for them, tell me I do not owe them anything.

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Original review: Jan. 16, 2009

I got two collections notices from AFNI today one for me for $248.29 and one for my wife $99.53 both from AT & T Mobility. We have never had an account with AT & T Mobility and do not owe on either account. We were not given any information, just company name and amount. We will fight this to the bitter end. We are not going to be AFNI's victims. We are sending two separate letters demanding proof and disputing this debt. This kind of crap should not be possible. Some scam company spins the roulette wheel on who to terrorize and they have the ultimate threat of attacking your credit.

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Original review: Jan. 12, 2009

I received again, a collection notice from them, claiming once again that I had a balance from Verizon, NJ (1998) for an address that I have never resided at, especially since I have been living in Virginia. Back in 2005, I was refinancing my home and this same info came up (I ended up paying them 133.00)in order to proceed with the re-fi. Now they are trying to claim that there is another balance for the same account! To add insult to injury during this whole ordeal I was employed with Verizon. Verizon was not Verizon until 2002 not 1998, then it was Bell Atlantic and any so called bill would be under that name. This new charge is for around 26.00 or so, and I FLAT OUT REFUSE TO PAY.

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Original review: Dec. 20, 2008

I received a bill from the company stating I had an unpaid bill from Qwest for $73. It gave my previous number (in New Mexico) with a different area code. I havent been at this address for over 4 1/2 years (moved with the Air Force). I tried to call the company but can't get through. When I left New Mexico, I closed out all accounts and paid off the creditors. This seems to be a fraudulent practice that needs to be addressed legally as well as with both the BBB and Federal Trade Commission.

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Original review: Nov. 25, 2008

I am getting settlement offer notices for a bill I do not owe. I will not call them because the last time i called a company years ago under the same circumstances & then was harassed through that number after that.

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Original review: Nov. 22, 2008

BBB was contacted. AFNI is part of Arrow Financial. The charges were bogus and Arrow stated via BBB response that they would stop further contact. They FISH old debt files and try to impose collection using various deceptive methods.

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Original review: Nov. 20, 2008


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Original review: Nov. 19, 2008

Sent a settlement offer notice for me to pay half of a bill they claim was 135.51 for a phone with area code I am totally unfamiliar with, i.e. I've never had the phone number, not even lived in the same area code region. Have have seen numerous complaints in regard to this company and similar fraud incidents. What will Consumer Affairs do about this?

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Original review: Nov. 12, 2008

Afni Inc placed information on my credit report stating I owed on a Verizon of NYC bill. I have never lived in New York and disputed the info on my credit report. The info has not been removed. Credit reporting agency states that if a company states it is your bill that is all of the verification that they need. I have filed a complaint with better business bureau, FTC and AG of Illinois.

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Original review: Nov. 11, 2008

I have had them post 2 accounts in collection on me. Of which both I had nothing to do with. They have been 2 seperate phone company's. One was Sprint, the other Bell South. I have never used either one of these. They started while I was in the Army and had a address that is not me. Where I never lived. Do not give them your name or anything as they will change it and make it seem as if it was you.

I know who the collections was made by but have no way of proving it... I paid one of her accounts off of my credit but after I did that and new one showed up. The 1st one was for around 160ish. then the new one is 260ish...
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Original review: Nov. 10, 2008

Afni started collections on me for an ammount they say owed to Qwest from May of 2002. I contacted Qwest directly to get coppies of bills and paid ammounts, Qwest sold all the records to Afni and could not access any information. I could document that I paid Qwest after the bill date. Afni would not confirm any payments to the account in question. Afni claimed that I may have paid Qwest but it did not credit this account directly, so I owe it. It is the only account of record qwest has, who was I paying? And who cashed my checks then? Qwest did. They did not credit the past due amounts, so it sat in collections for 6 years. Qwest did not send me bills in 6 years. They did not flag my credit for it, for six years.

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Original review: Nov. 8, 2008

In August of this year I get a notice that AFNI Collections has placed a collection notice on my credit. While the amount is minor ($26.00) I was never once contaced by ANFI nor the supposed creditor for the outstanding balance and now it's impacting my credit that I work hard to maintain. I have made numerous calls to AFNI and cannot reach anyone.

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Original review: Oct. 29, 2008

In dealing with Verizon in the late 1990's, I had a outside long distance company call wanting me to switch services. I repeatedly said no and at some point in the conversation I had said yes but not to accept their services. The conversation ended with me believing i had made no change until the next months bill came. It was more than $800. I called the number on the bill and said I had't changed sevices. They said I had and there was nothing they could do about it. At one point they said I had said yes to thier sevices and it was on tape. I said I didn't and I wanted it changed back. They told me they could not do that, I would have to go through the servicing company. Long story short, they would not help me clear it up so I had them cancel the account and I refused to pay the bill that was above customary service. It went to collections, I disputed it and it went away (for some time). In 2005, I moved and asked for a forward for 1 month and the final bill, they confirmed the forwarding address, told me to wait and they would send an end statemnent. Better than a year had passed and we forgot all about the final bill. Until we applied for credit and was denied for a over due phone bill in collections. We contacted the collections company, VERY disappointed, agreed to a fee and paid it asking at the time was this going to clear all debt? to which their reply was Verizon said this will clear all debt. Now late 2008, we apply for credit again only to find ANOTHER Verizon in collection. I called to let the collection company know we had already paid that bill. This is when they advised me that the bill we paid was from 1998 and we now (3 years later) have an outstanding bill for $448. So I was led to believe that I was paying a legitimate bill that was not in dispute. Then when I needed financing, I was denied because of a Bill I never recieved a copy of. The collections company told me they had sent me up to 5 bills, of which we thought were just carry over and would/had stopped coming.

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Original review: Oct. 20, 2008

I checked my credit report today as I always do every 2 months and found that a company called AFNI, Inc. showed up on all 3 of my credit reports as having a past due account with Qwest. No previous notices/bills were ever sent to my address. I have NEVER used Qwest in my life. I called Qwest and they said they could do nothing. I called AFNI and they said it was a valid account and wanted my current information. I DID NOT give them anything. I have disputed this with all 3 credit reporting agencies and I hope this takes care of this scam. I have read a lot of information on the web about these crooks pulling this scam. Isn't this illegal? Why are they able to continue these practices? If there is a class action lawsuit, count me in!

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Original review: Oct. 14, 2008

A representative claiming to be from Afni Inc (Collection Agency) has been calling and now has started to send letters in an effort to collect a debt from 2001 when my company was owned by another individual. 2 Minutes into the first phone call, she said that they would be willing to settle for half of the $9200 they claim is owed. No past due bills were ever sent here and nothing negative has ever showed up on my credit report. After checking online, it seems that this company is just trying to scare people into paying money that they do not owe.

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Original review: Oct. 7, 2008

I received a Collection Notice for an alleged outstanding bill from Verizon Virginia on 9/27/08. The notice had absolutely no official Verizon contact information, account number, logo, etc. I'm perplexed as to how AFNI can produce a collection notice from bogus information. The fact of the matter is, while the telephone number they listed as mine was correct, everything else was completely wrong. They had my last name wrong, they had the dates wrong, and the fact that I owed anyone anything was completely bogus. Not only do I possess a copy of my final Verizon invoice with a paid in full, $0.00 balance, but I also have a copy of my disconnect order dated July 2003. In addition, I had a new Verizon account set up in my new locale, as well as a Verizon Wireless account. Both of these accounts have always been paid in full each month. Verizon would not have allowed me to set up these new accounts if old debts had been outstanding.

I have since written AFNI a Cease and Desist letter, sent via USPS Certified Mail with a copy to the FTC, all three credit bureaus, Verizon Inc., the Attorney General in both Illinois (AFNI's corporate location) and Virginia, as well as the Inspector General of the USPS in case this can be classified as mail fraud. I have not seen anything hit my credit reports so far, and I stated in my letter to AFNI that if any derogatory information hits my credit reports, that I will file an official complaint with the FTC and any other State, Federal, and appropriate consumer agencies to ensure they are punished for these outrageous phishing scams. The only consequences thus far have been the irritation of receiving a collections notice and the time it took to research AFNI and compile an appropriate response to their bogus Collection Notice. I will update this information as this issue is either escalated or put to rest.

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Original review: Oct. 3, 2008

Fraudulent Collection notice RE: Verizon Several years old.

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Original review: Oct. 3, 2008

I received 2 phone calls from AFNI, one in March 2008, the other in September 2008 saying that they are attempting to collect an outstanding debt. I told them that this wasn't possible, as I have never had an account with Sprint. I then received a letter dated 9/17/08 stating that they are collecting for the amount of $2427.76 for an outstanding account from Sprint. I have never had any dealings with Sprint, but someone used my name, address and SSN to set up this bogus account.

Sprint has been very helpful to me by giving me what info they could on the account. Not much though, date account was opened and the account number. This account was opened back in November 2006. I am doing everything I can on my end, i.e., contacting the 3 credit bureaus, filling out an Identity Theft Affidavit from the Sprint Fraud Department, filing a complaint with the FTC, contacting the Department of Social Security and a report with our local police department. With all the other complaints I have read from other victims, it sounds like AFNI is running a scam.

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Original review: Sept. 25, 2008

This company sent me a fake collection notice. I've never had service with Qwest, and never will, however they sent me a bill, and then repeatedly asked for private information from me when I called in. I asked for proof of said debt, and they refused to provide it. The scary part about this all, is that they have access to people's credit report, and that no-debt rating that I once has, has probably been ruined because of this.

I'm a very hard working man. A full time employee, and a full time student. I pay for college out of pocket, and hope to buy a house soon, so having my credit tarnished with false debt information, will pretty much ruin my life. I'm very upset about this, and would really appreciate if a stand was officially taken against this company

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Original review: Sept. 10, 2008

I believe Collection Agencies like Afni are using this Economic times to use credit rating as a threat to collect funds that people cannot dispute because of age of the bill. Afni sent me a bill from Verizon for $78.22 for a phone number that was disconnected 8 years ago! When I asked if they had proof that the bill was not paid, the agent in turn asked me if I had proof that the bill was paid! For bills 8 years ago, I dont have immediate proof for anything! So most people will decide to give in because it is too small to go down an 8 year paper trail to harm your own credit rating. But this stinks of really poor ethics. Is there a way to deal with this?

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Original review: Sept. 7, 2008

$172 collection with no back up and busy signal when I called. I will pay the $172 but I have never seen an original bill or any backup on why this collection exists. Stinks like a scam, but I am not willing to spend the hours to resolve.

I will pay the $172 but I have never seen an original bill or any backup on why this collection exists. Stinks like a scam, but I am not willing to spend the hours to resolve.

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Original review: Sept. 6, 2008

Afni sent me a collection notice for $39 from a Quest account that I diputed with Quest 6 years ago because I paid my FINAL bill with them and then some weeks later they wanted more but couldn't tell me where the extra $39 came from. Quest said they were sending my dispute to some part of their company for review and I would find out what they chose to do. Six years later I now get a collection notice from Afni for $39. Six years later? Someone told me there was a limitation of 4 years for collections for land lines under a federal law. I was also told debts under $50 are not accepted by credit bureaus.

I'm going to conatact the Consumer Affairs Agency or whatever it is called . The Better Business Bureau as well. How can the Government allow disputes like this end up in collections with no more contact other than the original dispute. No word, no letter, nothing... just We'll get back to you. and then six years later a collection agency threatening to hurt my credit right before I want to buy a home for my Mom and myself. I thought that Quest just decided to accept my FINAL bill and leave it at that. I'm upset with Quest for not contactin me again and I do believe I smell a rat with Afni!

So far my credit has not been affected but I don't know why unless there is a $50 limit on debt reporting or if there is a 4 year limitation on deliquent land line telephone bill collecting.

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Original review: Sept. 5, 2008

They sent us a collection letter addressed to my husband saying that we owed Verizon 1710.69. THe phone # they gave we never had and they said the number was in existence for 14 +years. FIrst of the exchange and area code do not exist in my husband's prior home town nor in our home town we lived in before we moved here. THey said that last bills were sent to our home and that is not true. We don't even have Verizon on our land line.

THey told me that I couldn't call verizon because they were not handling it anymore. I know for a fact that this is not something that Verizon will tell anyone. THis kind of thing has got to stop. I want this reported and I want something done about it. NOone has the right to do things like this. I would never pay a bill on something some collection agency has sent without knowing what it's about. They couldn't even tell me what it was for.

Stress and aggravation!!!!!!!that's enough!

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Original review: Sept. 2, 2008

about a month ago i was sent a collection notice from afni in the amount of $50.96 from an old qwest bill for a phone i had in denver, inow live in florida. i asked for the copy of the invoice so i could resurce the payment and see if i made a mistake not paying the bill. today i recieved the back up for the collection and there is nowhere on the paperwork they sent out that reflects an anount owed of $50.96, as far as i can tell i should owe them $348.70 ( but the back up paperwork looks like it may have been resued from soom dumpster somewre in denver, it is not a formal invoice like you would get to pay a bill it looks more like a sumery report that would be in an accounting file).

anyway they are threatening to put a black mark on my credit score. i would gladly send out the money if i owed it and had the proper backup. are they a scamming company? i go to their web site and the give the inpression that they are a paricite or a company that pays on people with good credit, the ladies i spoke with said it was validated that owed the money. they couldn't let me talk to the superviser because they didn't take phone calls.

they are telling me that it will reflect on my credit score

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Original review: Aug. 30, 2008

Thanks everyone for posting on your site. I am now more determined than ever that Tuesday I will be contacting a Lawyer. I'm not even going to let this get to the point that it's on my credit report, and I've found a lawyer's letter to the AG gets much quicker and efficient reponses than individuals. I've dealt with bill collectors before, and this seemed off.

They claim I owe for Cingular, yet I've never recieved a bill in 8 years from Cingular. The bill they sent me of the supposed bill looks like something a kid made up on their computer, says AT&T, not even cingular, has 2008 date, not 2000, and doesn't even have an AT&T logo anywhere on it. Add to that the fact that the woman on the phone was so rude, it just screamed SCAM to me.

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Original review: Aug. 26, 2008

AFNI contacted me about a bill from Sprint that was over a year old. Sprint was my cell carrier at that time (customer since 2004) and still is my current cell carrier. They contacted me via a relative in WYOMING and violated every privacy law known to man by telling a 3rd party that I was turned over for collection. I called AFNI, who advised me that Sprint would not discuss the debt in question because it had been turned over for collect. They also could not tell me what the bill was for, or what number it was being billed on. I advised I would call Sprint and see about that.

I called Sprint, and in all fairness, I got 2 reps that looked up the bill, explained it was due to an account number change in their system, (not a new 2 year contract) but an account number charge that could not be rolled onto the new bill. In all truth, I cannot say if it had or had not been paid a year ago, but I agreed to pay it, upon serious dispute. It was only $121. so it did not break the bank, but the privacy law violation bothers me more than anything. Sprint cannot roll old prior balances onto a new billing account, so they apparently turn you over for collection.

Funniest thing of all, they said they called my old land line, and when they couldn't reach me, they turned me over for collection. I asked the 2 reps, didn't you just call the cell number? I still have that very same phone number (for 4 years) with you.

I won't be renewing my contract with sprint in 5 months.

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Original review: Aug. 19, 2008

Five years after I closed my Cingular account that was PAID IN FULL, I received a collection notice from Afni, Inc. I was told that I owed so much and then they tacked on more money because it was turned over to Afni, Inc. What was turned over to Afni?? I paid in full when I closed my account. I have never in five years received a notice from Cingular stating otherwise. I called Afni and the woman told me that if I have no proff that I paid the stated amount then I owe them the money. I never received another bill from Cingular because I was PAID IN FULL.

I am worried that this will go against my credit eventhough it is not my debt! I want to buy a house in the next year and I fear that this mishap will not allow mw to do that.

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Original review: Aug. 11, 2008

Today I recieved a collection notice from Afni, Inc. stating that I have an outstanding debt due to Verizon. First of all my name has not been S**** for 12 years. Secondly, I disconnected my service within the past year and have paid my final bill in full. The first call I placed they state that there was a 30 min. wait and to go to their web site and request a time to speak with a representative. I went to their worthless web site where it is only linked to related web sites and has not place to contact anyone.

I believe we have a case of fraud going on here. I am going to contact the Consumer Protection Ageny, And the Fair Credit Bureau in regard to this company. I do not owe this debt and I hope to soon own them..... (Afni, Inc.) If there is to be a class action suit to be filed count me in.

I am in the process of checking my credit report for which I have a credit monitoring agency that I have aquired. We will see what happens with them involved.

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Original review: Aug. 11, 2008

Today I recieved a collection notice from Afni, Inc. stating that I have an outstanding debt due to Verizon. First of all my name has not been Shives for 12 years. Secondly, I disconnected my service within the past year and have paid my final bill in full. The first call I placed they state that there was a 30 min. wait and to go to their web site and request a time to speak with a representative. I went to their worthless web site where it is only linked to related web sites and has not place to contact anyone.

I believe we have a case of fraud going on here. I am going to contact the Consumer Protection Ageny, And the Fair Credit Bureau in regard to this company. I do not owe this debt and I hope to soon own them (Afni, Inc.). If there is to be a class action suit to be filed count me in. I am in the process of checking my credit report for which I have a credit monitoring agency that I have aquired. We will see what happens with them involved.

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Original review: Aug. 6, 2008

Received a Collection Notice letter on August 5th from AFNI, representing QWEST. Called # provied several times and ONLY a recorded message asking to wait 30 minutes to an hour.

Notification stated that if no reply by 30 days of 7/31/2008, this would not only be reported on my credit report but other consequences.

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Original review: July 31, 2008

Received $901.oo bill from AFNI who stated that I owe this amount from a diconnected verizon 9 year old bill. I never received one notice from verizon. And still have service with verizon. I called verizon and they have no record that had this number and neither do I. My credit score has dropped and I have sent certified letters to AFNI. I received a phone call from them requesting information and 1/2 the bill to settle the account. These people are truly bottom feeders. Someone in their office has got to be sitting back rolling in the dough from all these unsubstaniated debts.

I have suffered by not being able to refinance my home now that the mortgage companies have strict requirements. I just refuse to pay a debt not mine.

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Original review: July 26, 2008

I called AFNI to discontinue my boyfriends payments(coming out of my bank account) due to the fact we have fell on hard times and I have a 5 month old that needs the money more. I spoke to Shirley regarding this, due to the fact that I had called the day before and no one was helpful

I called the day the payment was due because there was no money in the account for the payment. So I told him/her to stop payments as of 6/18/2008. He/she told me that the payment had tried to go through and was unsuccessful. I then called my bank to see if the transaction had gone through and it had not. So today, 7/25/08 I find a letter in the mail stating that the balance is $40.00 less and that I have to pay $85.84 by 7/31/08. I check my bank records and it states that they actually took the money out on 7/22/08 not 7/18/08 like they were suppose to and now I am $78 negitive because they have taken money that they were not suppose to even take out.

I have an estimated $80 dollars wether of debit that AFNI caused and should not have happened.

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Original review: July 13, 2008

Afni sent me a collections notice for a 15 year old MCI bill, which I was quite certain I did not owe, as MCI has never sent me any unpaid bill notices in the last 15 years.

I called MCI and after finagling with the service agent got her to tell me the phone number and partial address to the account # Afni says I'm supposed to pay, and it is for an address I have never lived at and for a phone number I have never had. The city is the same and the first two digits of the phone number are the same as mine, so it seems that AFNI just uses a database to randomly guess who they can bill. And then harass and ruin the credit for.

I wrote them a letter saying that MCI agreed the bill was not mine, paid to send it (because for some reason they have the right to destroy my financial life and I have zero rights). Now I'm supposed to fill out more stupid paperwork about identity theft. Hello? AFNI is the only one stealing my identity.

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Original review: June 30, 2008

We had an account with Bell South Mobility before it was Cingular/AT&T Wireless. We disconnected the line during the return period and they said everything was fine and the account was clear now. Many years later, we started receiving collection letters from Afni, Inc. and said I owed $729.04 for a over-due bill for disconnecting the phone 9 to 10 years ago. They have called us repeatedly and sent many letters about it.

When they called we asked them to show us proof that we owed the money and send us the contract and any other information about the account. They said they would, but of course I never received any documentation about the account.

They have not told us of anything that would happen if not paid.

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Original review: June 23, 2008

I just received a Collelction Notice today 6/23/2008 from Afni Inc.demanding payment and a 30-day limit to dispute the debt. I believe that if I contact them, even to dispute the debt, they will take it to mean they have a right to collect the money, albeit, fraudulently for THEMSELVES. The account in question was never attempted for collection neither was a notice ever sent to me from Verizon about a late/delinquent payment (I had an earlier form of pay as you go system).

Four years later the suppposed debt appeared on my credit report. I wrote a note in my credit report last year and a collection notice from Afni, Inc., dated 6/17/2008 was in my mail box today, demanding payment and an assumtion of validity is no call is placed within 30 days. I will not be calling because I believe that this is FRAUD.

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Original review: June 12, 2008

AFNI has placed a collection accounts on my credit report for a Verizon phone bill of $530. I requested AFNI to validate the account and they refuse to send me proof this account belongs to me. I called Verizon and they have no record of an account in my name except for my current Verizon account. I disputed the item with the credit Equifax, TransUnion and Experian. Experian deleted the item, but TransUnion and Experian are stating the verified with AFNI and the information is correct.

This is affecting my credit standing. Because of AFNI listing on my credit report it is affecting my credit standing and it is very stressful trying to obtain information from this company because they refused to provide it.

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Original review: June 10, 2008

This collection company been calling my house asking me to paid this bill; I beleive I don't owed anything to this company becuase I alreayd have an account VERIZON NEW YORK INC company. I need someone to review this matter A.S.A.P I don't recall having this in the amount of $338.69 or $169.35; I don't owed anything to VERIZON NEW YORK INC

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Original review: June 4, 2008

AFNI, Inc. Anderson Financial Network Collection placed derogatory and negative statements on my credit report with three major credit reporting agencies. The derogatory statements reflect a Verizon phone bill in the amount of 43.00. AFNI made no attempt or effort to contact me before effecting my credit. Which could have been resolved, because I know of no unpaid phone bills.

Also, AFNI Refused to send me an original copy of the 2002 Verizon phone bill in the amount of 43.00 they said I own ?. During my attempt to resolve this matter, the collections woman at AFNI had no patients for being questioned, and actually screemed at me over the authenticity of the account and give me a lecture on responsibility. I absolutely was shocked. Speaking of Unlawful. . describing this person . . The epitome of vindictiveness. It has been 8 months since the first attacks on my credit reports and they still have not produced an unpaid phone bill.

40 point drop on my credit score. Stress, fatigue, irritation . . time off from work in attempt to resolve this mater on the phone. .

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Original review: June 3, 2008

I recieved a Settleement Offer in the mail on June 2,2008 claiming to be another attempt to contact me re: my overdue account. It went on to say they would accept $555.04, half of the original amount due. The letter stated that I owed Verizon California Inc. $1110.08 for a phone number that I had with (I believe) GTE.

I closed that account with GTE, paid the final bill and disconnected that service when I moved from California to Arizona in August of 1999. I called the toll free number on the settlement notice and spoke with Tyrone to tell them this and that their records were erroneous.

He said that the account was in my name from 1996 - 1999 and that I had not paid the final bill. I told him that I had and he called me a liar. I then asked him to please send me all info and paperwork that Afni has on this so that I could follow up on it. He refused and said he would tell me over the phone whatever I needed to know and I again told him that I wanted it to be mailed to me and he refused. He asked me to give him my credit card number and I wouldnt have to worry about the issue any more. I told him no way would I do such a thing, and he said that if I did not, it would be reported to the 3 credit bureaus and my credit would be ruined. I told him I would be calling an attorney and hung up. I have never in my life spoken to anyone as rude and insulting as this Tyrone.

I called Verizon and after much line holding and being shuffled from one department to another, I was told that they could not tell me anything at all except that there was a phone in my name with that number in the mid to late 1990s. That representative's name was Pat and she gave me a diferent toll free number for Afni Inc. that was not printed on my Settlement Offer letter. I asked Pat about what her records showed as any balance and she stated that there was no information on that or anything else. All she had was my name, that phone number and that it dated back to the 1990s, and that I needed to call Afni if I wanted more information.

She thanked me for calling Verizon and hung up on me. I wasnt finished asking her questions! I have never recieved any previous letters or notifications about this matter before now, and I even pulled my credit report last month as I am preparing to apply for a student loan, and I wanted to see what was on my report. There has been NOTHING remotely close to this on that report. That report was from Equifax. Also, I recently discontinued monthly notifications from Experian. They had been monitoring my credit for over a year and nothing like this was posted on that either.

I am afraid my credit will be ruined by this and that I will not qualify for my student loan. I am worried sick about all of this. I dont know what to do. I cant afford an attorney, as my income last year was under $9,000. Which is why I'm going back to school.

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Original review: May 14, 2008

After discovering a collection reported by this company on my credit report, I sent a letter requesting validation of the alleged debt by certified mail. After 30 days, I sent another letter by certified mail asking for validation again and pointing out a few FDCPA violations they had made. I received a letter from this company stating that they could not verify this account. They have yet to prove any legal obligation I have for this account. This debt is still listed on my credit reports even though they have failed to follow the law regarding validation or deletion of this item.

It has cost me time and money to pursue this matter. I have also been denied a loan from two banks because this collection is listed on my credit reports.

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Original review: May 12, 2008

I received a letter on sometime between 3-5 April ,2008 from the collection agency identified here and the letter indicated I owed a debt for $106.00 on some account. When I called I was told this was for a Verizon account in year 2000. I indicated to them I had no recollection of this debt and no previous notification of this debt and I immediately filed a dispute on their website.

I since found out that this company reported this debt to the three Credit Bureau as a bad debt while this was being disputed by me. After several failed attempts by me to resolve this with this company I decided to seek help from the Consumer protection agency.

Negative effect on my credit history and credit score.

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Original review: May 3, 2008

In April I received a collection notice for a Cingular debt that was 8 years old! In the year 2000 I had a Cingular Account for a Cell Phone Cingular kept charging me wrong rates because I was using an OLD plan and they kept wanting me to change, I refused because the old plan worked for me. Every month I called in because the rates being charged were wrong. I

cancelled and was given a cancellation # and was told no Cancellation Fee would apply because the phone company kept charging wrong rates and I had called in several months to correct problem. The cancellation number was extensive but I kept on file.

A few months later I was contacted at work by a collection agency trying to collect on same debt. I called Cingular again after several people spoke to a Manager who apologized and told me the collection would be stopped and cancellation fee was adjusted off. I was given another confirming #. I kept all paperwork until last year when the seven years expired and destroyed my paperwork.

Now exactly 8 years later, I am getting notices on collection for the same bill. I dont know what my options are now since I destroyed my records. I have chosen to ignore all notices and calls. I have spoken to A T & T who bought out Cingular but got no help from anyone who kept me on hold for almost an hour at 20 minute intervals while they transferred me from person to person. All they had on file was my calls regarding the complaints on the rates I was being charged but no record of the cancellation itself! How can that be? I have always taken care of my credit but on principle, I will not pay this absurd attempt to collect on a debt that was resolved 8 years ago. What are my other options?

Stress from trying to resolve this issue has affected my health

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Original review: April 29, 2008

I recieved a collection notice from Afni, Inc. claiming I owe $415.71 to Verizon New York Inc. I have never recieved any bills or notices from Verizon themselves claiming payment, nor did Verizon ever report me to the credit bureaus for non-payment. Not to mention that I print out my credit reports once a year and have never seen anything from Verizon. I then contacted Afni, Inc regarding this matter and they in turn sent me copies of what seem to an old Verizon bill from September 1, 2001. I have never seen or heard of such a matter for 7 years. I was told by Rachel from Afni, Inc. that if I do not pay, it will be sent to my credit report.

I have done a little investigating of my own and have read that the statue of limitations in New York is 6 years leaving me not responsible for these charges. Also, they can not notify any of the credit bureaus. I do not want to have any problems with this company to start harrassing me for something that I do not have any knowledge of. Would I be liable for this bill? Should I send a certified letter to Afni, Inc. stating that I am protected under the Fair Debt Collection Practices Act? I would appreciate any feedback and/or assistance on how to go about this matter. Thank You.

I am very concerned that my credit will be hurt. I constantly think about how I can resolve this matter. Especially knowing that I am not alone.

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Original review: April 27, 2008

Joseph S. Enoch Thank You! I have been in contact with the IL. A,G. office. They really do look into AFNI, Inc. DV Afni, Inc. they responded to everyone but me. Sent CD letter just in the last 2wks. Il. BBB no help, really. CA A.G. office no help The 3 Big CRs only confirm what AFNI sends them. SOL in CA is 4 years. I can wait for this to drop off in 1/09 if I have too. After that I will sue.

I have found so many mistakes in documents, sent by AFNI to others but not to me and out right lies by them it is not funny. I just want to say thank you again for running the story. PS I found over 6000 complaints and cases against AFNI on the web.

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Original review: April 10, 2008

afni keeps sending a bill stating that they are a collection and they are trying to collect on a debt for verizon for $116.53. but when i tell them that they have the wrong address on the acct and nothing really adds up, i want to see proof they they take forever to provide something that looked like a phony bill that was incomplete and put together. i called them and complained again and they told me i had to pay it or go to their web page and file a complaint.

they reported this false debt on my credit report and i cant remove it and nobody (verizon or afni)can provide any real proof

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Original review: April 1, 2008

I received a collection notice from this company that I owe that them $462.42.I called them told them The creditor Which is Verizon they don't have any records. They have my social security number and a different address. I have never had account with verizon or them.

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Original review: March 22, 2008

I received a collection notice from afni, claiming I owe money on a verizon account for a phone number I never had. In the amount of $231.34. after reading all the other complaints on this site from AFNI, I realize it IS a scam.

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Original review: March 14, 2008

Many complaints have been filed against AFNI, Inc. I hope that the AG is looking at protecting California consumers. AFNI, INC. Bill Scam Warning . This is no Joke. A company called AFNI, Inc. P.O. Box 3472 in Bloomington, Il. 61702 is a third party collections company. They buy old worthless, incorrect and often out of statute of limitations debt portfolios. Recently, ANFI, Inc. sent out a second notice collection bill on an old phone account through Verizon California Inc. They said I owed from 2001. Note I never received a first notice. They offered to settle for half of what they said I owed, about $45.00. Dumbfounded, I knew I never had any account of any kind with Verizon, so I called Verizon Cal. Inc. and spoke to Eric, in Feb. 2008. He looked in his data base for my name, SS# and the phone number. He said there was nothing about me in any of their files. He also said the phone number wasn't even a Verizon number. So I did a phone number search at my own expense, $4.95, and found out what I already knew: it was not mine.

I checked my credit reports and found, in violation of the Fair Debt Reporting Act, they also placed this bill on my consumers credit reports without ever notifying me, and re-aged it from 2001 to 2007, which is also against the law. If you receive one of these bills from AFNI, Inc., and you know that you had never had Verizon, or if it is a bill you never heard of before, check your credit reports right away. I checked other web sites and found out a lot about AFNI, Inc. scamming people, not just a few--but hundreds, thousands across the USA. I then disputed the bill by Certified letters. Also, I filed with my state's Attorney General and the IL. A.G., the FTC, and the BBB and every web site I can to get the word out on these scum. The IL. BBB says that AFNI, INC. says it is my bill from 2001, but they, AFNI, Inc., have not validated it to me yet as required by my DV letters.

Even if it were mine, it is out of SOL in California, well over 4 years old. I am not sending them one red cent and will sue them if they continue to report this on my CR or sell this worthless paper to another debt agency. I have heard to NEVER, NEVER call AFNI, Inc., as they will capture your phone number and start calling and harassing you; AND NEVER give them your Information as they will use anything against you. Which brings me to the letter they sent me asking for information to help validate the debt I disputed. Another FDCPA violation. For More Information on the AFNI, Inc. scam check or simply type in consumer complaints AFNI, Inc. into your search the web box. There are hundreds of complaints against these scam artists.

Just today I was contacted by clear channel news in SYR. NY about their ongoing stories about AFNI, Inc. trying to collect out-of-SOL old debts. The resolution I am seeking is that AFNI, Inc. issue me a letter of apology on their letterhead signed by their CEO's, and that this issue is taken off my CR reports and never darkens my door again. I highly suggest the CA AG go after AFNI, Inc. for violating the Fair Debit Collections Practices Act and Fair Credit Reporting Act.

Lost work, stress, out close to $45.00 in mail and phone investigation. Credit report is damaged.

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Original review: March 14, 2008

On March 13, 2008 at approximately 8:39 p.m. I had a telephone conversation with a Customer Service Representative (Amanda) from Afni, Inc. I had placed a phone call in an attempt to dispute claims alleging I owed money to Cingular. During this conversation, I had asked her several questions upon which she eluded to answer stating that she didn't have any of the paperwork because it was in the files. Amanda suggested I request all answers in writing. Upon her suggestions, please find listed below questions in my pursuit to resolve this alleged claim on this account.

1. How did this account arise or appear in my name? 2. How did two accounts get created in my name under the same telephone number? 3. Please send to me a copy of the Declaration of Fraud that was done over the phone on March 13, 2008, with Amanda. 4. You are claiming I owe money on an account since 2003; why are you contacting me about this account 5 years later? 5. Why was this account turned over to a collection agency knowing I still had, and I currently do have, an existing active account today? 6. How can an account be sent to collections with an active status?

It has been very frustrating trying to get these questions answered over the telephone. I have been placed on hold for approximately 30 minutes at times trying to get answers from individuals. I have been told: I can't answer the questions right now. If you can't answer the questions now, how are you going to answer them later? I have been told that information is not available, files are not accessible and basically, given the brush off by Afni, Inc. and AT&T Customer Support Service Staff. Another thing I find to be very suspicious with this ordeal is that I had been given several amounts as to the dollar amount that they allege I owe. I also found it very strange that they were not able to access or tell me what telephone numbers were attached to this alleged bill. As a consumer, I believe I have the right to know what information they have in their files or records regarding this matter.

I find it to be very frustrating for the Customer Service Representatives both from Afni and AT&T Mobility to tell me over the telephone they have an idea of what is going on, but they can't say or tell me. That gives me that impression that they are hiding something and not forthcoming with the truth. At this time I would like to make an appeal to Consumer Affairs and also the Attorney General's Office on this matter. I feel that I have been the target of fraud and the target of bogus accounting errors from negligent personnel within these cellular phone companies. I would like to request a full investigation into the practices of Afni, Inc.; Cingular Wireless; and now AT&T Mobility on behalf of my complaint and any others that may exist.

Negative reporting on my credit report.

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Original review: Feb. 27, 2008

Today is 2/25/2008, and I have just received a bill from Afni stating I owe on an old Verizon account in the amount of $90.86 and that they will settle for $45.43. The account number they claim is for a Verizon phone number. This is very interesting because I have never had Verizon. I have never had this bill show up on any past credit reports. So I checked my credit current reports and found them listing that I owe them. I paid for a search on the phone number they listed, and I am not connected to that number. I called Verizon California Inc. and spoke to Eric; he said that it wasn't even a Verizon number, and they had no records of me on any account! I visited Budd Hibbs and Rip off report on the WWW only to find out that this agency was scamming me. I contacted the BBB, FTC, several consumer BB on the web, and my state attorney general as well as mailed AFNI, INC. letters.

I am really upset about this bogus claim on my credit report and have never had the phone number they claim I had, nor have I ever had a Verizon account. I owe nothing to Verizon or these people, and I am not giving them one red cent. I want an apology from Afni, Inc. on their letter head, signed by their owners and managers; and I want them off my credit report as well as print outs at their expense of the corrected credit reports. God forbid they should ever darken my door again. What gives them the right to steal my identity and make up a bogus bill? How many more California people have been scammed by this outfit? Someone needs to shut these types of rip off artists down and fine them big time.

Because of them I have been stressed out to the limit that I cannot sleep or work. I have been out money to investigate their claim and to prove that I don't owe these scammers. My credit reports have been affected due to this bogus outfit. This whole thing makes me feel like I have been raped.

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Original review: Feb. 22, 2008

A collections company called AFNI has called us 19 times over a period of about a month now. They claim to be working for Verizon and that we owe back pay on a closed account. I contacted Verizon and our account is closed with no balance and they claim to not have any records for AFNI? We want to find out our rights in this matter against AFNI as well as Verizon for releasing our private information to this company.

We consider this to a policy breach by Verizon for allowing this company to use their name and supplying our information to them. It is also harrassment for them to call us twice daily after we have spoken to them already concerning the matter and attempted to resolve this matter with Verizon directly. What are our rights and can we file further charges or a law suit against them?

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Original review: Jan. 28, 2008

Last November 07, I have received a letter from Afni, Inc. a debt collector of $78.67 for Verizon Seclect Services (residential no.). Immediately, I called and wrote to dispute this charge.After a couple of calls, finally today Jan 28, I received a copy of the bill. The billing indicated an old address where I have moved out over 13 years ago and the billing was for the time period of Feb 25, 1999 - Oct, 03, 2000. I do not remember the old phone no. at the billing address.

I called Verizon was directed to different department and the last department which I was told will have information about old bills. I was kept on hold for that department for 45 mins and I finally give up on hold. I am frustrated if ignoring this would affect my credit record which has been rated at a score of average 810. The billing does not make sense, therefore, would appreciate some legal advice. Thank You for your help and attention. Sincerely.

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Original review: Jan. 8, 2008

I have received numerous letters from this collection agency, AFNI Inc., stating that I have a debt to pay for a Verizon California, Inc. land-line telephone account. I have never had a Verizon account, and have never been interested in having one because of all the bad things I have heard about the company. They have given my name and address to a collection agency to collect on an account I never started or agreed to. I have spent all day, more than 7 hours on the telephone to Verizon to try and get this matter resolved and all they told me was that there was nothing they could do and I would have to go through the collection agency to get it resolved. I have already sent a letter to the collection agency informing them that I have never had a Verizon account but they sent me a letter back telling me I have to pay for this account anyway unless I can prove that it is not my account. I do not know how I can prove anything when Verizon refuses to help me and I obviously have no records on an account I never created in the first place.

I have never been treated so rudely by any company I have dealt with, being on hold for an unbelievable 7 hours today! Only to be told, after speaking with numerous customer service employees that there was nothing they could do. I have also tried several times to contact the above collection agency by phone but I get disconnected from the call every time. I know numerous other people who have had similar problems with Verizon, which is why I would never sign up with them. I asked them to send me a copy of the contract that has my signiture on it, a contract I know does not exist because I never signed one, and they told me they cannot do that, and that I will have to contact the collection agency, a company who refuses to take my calls.

The collection agency has stated that they will damage my credit over this.

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Original review: Dec. 12, 2007

On Monday December 10, 2007, I received a collection notice from Afni Inc.,stating that I owe them $280.05 for a disconnected phone service for 718-584-5895. I have never owned that telephone number. Also, on the notice, it states that the original creditor is Bell Atlantic. I never had phone service with Bell Atlantic. I called the 1-888-257-1585 number and spoke to someone who wanted me to verify my information in which I refused to do. The fact that I have received the notice from them, was the fact that they already have my information. However, the person I spoke to verified to me the last four of my social, as well as the year I was born. However, she stated that I lived at 795 Garden Street Bronx, New York. I have never lived at 795 Garden Street in the Bronx, New York. She ended the call suggesting I file a complaint, in which I am notifying Consumer Affairs as one of my file complaints.

Please be advised that besides Consumer Affairs, I have sent a certified copy of this letter to Afni Inc., and also by regular mail to the following:

Equifax, Inc.
Trans Union LLC

Better Business Bureau

I would appreciate if Consumer Affairs will investigate this situation as well.

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Original review: Nov. 29, 2007

On 11/7/2007 3:45 pm e.t. I spoke with Linda(33700)regarding an unknown debt on my credit report. I asked her to please provide me with a validation of debt. She declined and eventually hung up the phone. On 11/14/2007 I wrote AFNI INC regarding this unknown debt on my credit report. I asked them in my letter to please provide me with a validation of debt and gave them 7 business days to respond. I never received anything in the mail. On 11/26/07 I wrote a second letter explaining to them that they were in violation of article 2.3 of the Fair Debt Collection Pratices Statue by not providing me with the necessary proof. Since they have failed to do so, this must not be a valid debt and they need to remove it from my credit report. I have all the necessary documantation to prove my case.

It is making it extremely difficult for me to obtain a good job since most companies now require credt checks. I am also forced to pay an extremely high interest rate on my car loan because of it.

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Original review: Sept. 28, 2007

I was applying for a school loan and I requested a copy of my credit report 9/2007, on my credit report there there was a collection balance and a negative account that was reported by Afni in 8/07 according to my credit report. I am not understanding why this is so because I am still a verizon customer, and I recieved a letter from this accompany about a different bill which I cleared up, but I have not recieved any information about this verizon bill, It has been 7 years already and It was not on my credit report in may, why is it on here in august and if the contact me and recieved payments on the other bill why not contact me for a payment on this bill. It is possible to report one account twice as a double collects, one as a collection and the other as a negative collects.
I am giving you there address information from the sprint account that they contact me about which I paid and have the recieve for and further more the sprint account was over ten years and someone was using my sprint card to place calls so i was disputing that bill. again Can a company report and account a negative and as a collection

The consequences of this leave me unable to get a loan to buy a car, which I need in order to get to and from work. I was turned down by bank of america and my becon score has dropped tremendously.

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Original review: Sept. 11, 2007

I manage a mh park and in front of my office there was a pay phone that I had nothing to do with the company that had the phone removed for what I have no clue ,this pay phone company had to be paying verizon because it was there for over 8 years
now this collection company is harassing me and threating to destroy my credit and I have nothing with this phone company just because the phone was in front of the property that i worked we have never recieved a bill from verizon now only these threats from this from this collection company.
I think the phone company name was pay phones of florida but for sure verizon knows there name because they have recieved payments from this company for years
thank you

they are harassing over the phone and threating destroy my credit when I have a account with verizon wireless for many years in good standing

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Original review: Sept. 4, 2007

This company turned me in for a debt that is not mine. I have called them and tried to email them but they just give me the run around and say they do not have enough info from me to do a investigation. I cannot give them any information on the debt because it is not mine. They will only tell me it is for a cable bill from Charter Communications and i have never ever heard of that company or where it is located and they will not give me a number to get in touch with them to dispute this charge. I have filed fraud reports with the FTC and notified the 3 credit bureau's for help.

this company has left a negative mark on my perfect credit. i am in the process of sending them a certified letter demanding proof of this charge and disputing the charge. any help would be appreciated greatly!

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Original review: July 24, 2007

I was contacted by Afni Inc (debt collections)with a settlement offer to pay 1/2 of a CINGULAR phone bill totalling $485.01. I have never had a CINGULAR phone so this is not my bill.

Upon calling, Afni wanted my personal information. Upon not giving this, the girl became belligerant with me.

Upon reseraching, I believe that this agency is sending out incorrect information without validating the debt. Afni has placed a mark on my Experian credit report.

I have written them a strong cease and desist letter as well as demanding that they have Experian delete this incorrect information. I sent the letter certified mail return receipt requested within the 30 days, mentioned FCRA and FDCPA. I have notified the credit bureaus, FTC, IL Attorney General, NY Attorney General, the US Postal Inspector General, BBB and my lawyer.

Black mark on my Experian credit report

2 people found this review helpful
Original review: July 16, 2007

I have been a victim of credit fraud since 1995 and have a warning on my statement with the credit bureaus since then. Every now and then something else gets through. They notified me that I owe $252.56 for a Verizon Cell Phone registered with Verizon New York Inc.

I have never lived in New York nor had any dealings with Verizon New York. The phone number listed is a New York number (718)471-2802. When I spoke to them they said that I could pay half the amount and I told them that I was not paying anything because it was not my phone and I have never lived in New York. I have been employed at my job for 34 years and lived at my previous address for 28 years.

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Original review: June 15, 2007

Afni recently obtained information from Verizon NY regarding unsettled accounts from '93-94. Although the statute of limitations has expired, Afni is seeking to collect on these old accounts. I never lived or received mail at the address they have associated with the account they are trying to get me to pay (which is what tipped me off that this might be a scam).
When I called Afni Brenda,? the customer service rep with whom I spoke was indignant and rude. So was her supervisor Rachel, who had the audacity to question ME and the legitimacy of my concern. I was told that unless I requested that they do so in wiritng they would not provide me with any information to back-up the legitimacy of their claim.
After doing some research on collection laws and statutes of limitation I learned that it is not illegal for Afni to send out letters to whomever they like, what is illegal is for them to sue you, demand collection, and report you to credit reporting agencies for non-payment.
In other words, before sending any money to this company, be sure the claim is legitimate (they should provide you with documentation to prove their claim) and check your state's laws regarding statutes of limitation on old non-paid bills. Even if the claim is legitimate you may not be required to pay Afni.

The fact that this company is taking advantage of people's ignorance and intimidating them into sending them money for accounts that may never have existed is highly unethical and, in certain cases, illegal.

At this point, nothing more than heaps of wasted time trying to prevent this disreputable company from scamming me and threatening to impact my credit rating.

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Original review: June 4, 2007

I received a letter in the mail indicating that I owed nearly $2000 for a phone line in Brooklyn covered by Verizon. Obviously a scam, I called Verizon directly who indicated that the number wasn't even a Verizon number. I have never used Verizon and I have never heard of Afni, Inc.

No damages, just wanted to report that this is a criminal organization.

2 people found this review helpful
Original review: May 4, 2007

Afni sent me a bill for a charge that I'd heard nothing about for over 7 years. It had been a misbilling. I'd notified the original company about it and never heard about it again. I sent several notes to Afni indicating why I wasn't responsible for this bill. I also noted that the bill was generated in California and that I live there and that there's a 4-year statute of limitation on collection of debt.

They continued to send me impersonal letters stating that I owed the amount in question. I finally got through on the phone one day. The rep said he could offer me a 50% deal if I paid right then. I explained the situation - that I didn't owe that amount to begin with. He spoke with a manager and offered that I need only pay 1/3 the billed amount. I asked to speak with the manager. He transferred me to another rep as the manager wasn't available. This rep insisted that if I didn't pay right then by credit care that I wouldn't be offered this deal of only 1/3 the bill amount again. He went so far as to suggest calling my bank with him still on the line and getting my account number so they could cut an electronic check so we could just take care of this right now. When he couldn't get the money from me he said that I had until midnight to take advantage of the discounted offer.

After that, I sent a note with specific instructions to not contact me unless there was some change. I haven't heard any more from them and it's been over a month. I hope that's the end of it.

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