Afni

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.

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!

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!

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.

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.

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.

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!

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.

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.

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.

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.

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.

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.

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.

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.

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?

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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).

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.

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.

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?

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.

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?

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.

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!

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!

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 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!

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.

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.

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.

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."

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?

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.

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?

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.

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.

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.

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!

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.

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.

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.

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.

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.

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.

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 (www.afnicollections.com) 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.

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.

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.

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.

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.

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.

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.

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:

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.

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.

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 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.

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.

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.

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!

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?

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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.

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!

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.

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.

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.

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.

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.

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.

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.

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.

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.

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 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?

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.

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!

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.

trying to collect debt over 9 years old or older harrassment

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.

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.

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.

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.

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.

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!

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.

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:

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.

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.

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.

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.

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.

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.

Received a collection notice for money I do not owe.

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

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.

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

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.

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.

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

I RECEIVED A BILL FROM AFNI COLLECTIONS FOR A LAND LINE PHONE CHARGE FROM 1-99 THROUGH 6-99 IN THE NAME OF MY DECEASED HUSBAND, WILLIAM KISTLER. THE CHARGE WAS FOR A LAND LINE PHONE # (813)975-1111, A VERIZON FLORIDA NUMBER. MY HUSBAND HAS NEVER LIVED IN FLORIDA!! AFTER READING SIMILAR COMPLAINTS WITHIN YOUR WEBSITE I AM CONVINCED THIS COMPANY IS COMMITTING FRAUD AND DESTROYING EVERYONE'S GOOD CREDIT. YOUR ASSISTANCE TO THIS MATTER WOULD BE GREATLY APPRECIATED. THANK YOU IN ADVANCE FOR YOUR EXPERT ADVICE AND ASSISTANCE!!

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?

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.

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.

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.

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.

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.

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!

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.

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.

Fraudulent Collection notice RE: Verizon Several years old.

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.

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 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?

$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.

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.

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.

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).

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.

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.

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.

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.

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.

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.

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 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

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.

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.

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).

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 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

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.

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.

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.

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.

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

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.

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.

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.

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.

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.

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.

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.

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 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.

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.