Afni Collections agency – How best can you handle the collector?
Afni, Inc offers services on collection, insurance and debt purchase to leading companies in the US. If you have a debt account held by Afni collections, it is essential that you know how this collection agency treats debtors and how best you can deal with them.
Afni Collections agency complaints - How to deal with them
The community members and guests participating in the DebtCC forum have shared their feedback on the collection agency. Given below are some of the complaints they've made. Check out the complaints and know how you should be dealing with Afni Collections.
- Changing dates related to the debt account: One community member speaks about Afni Collections, saying that the agency tried to change dates on an account but the Statute of Limitations was already over. The member repeatedly sent letters of validation but the collection agency (CA) didn't respond with any proof that the former owed the money. What Afni Collections simply wanted was that the member should pay the entire amount. Know more....
If you're in a similar situation as above, and you're not certain that you owe money to Afni collections, do not make any payment towards the bill unless the CA validates your debt. Moreover, if the SOL is over, you may avoid making even a partial payment towards the bill. That's because it may start the SOL all over again! Know more on how to handle collection agencies... - Harassing debtors: People complain of Afni Collections agency harassing them for debt accounts on which the SOL has already expired. The CA is also said to contact people for payments on bills which they haven't ever applied for. Find more....
If you've been contacted by the CA for an old account and you're sure that the SOL in your state has expired, send them an Expired SOL Notification letter and request them to not contact you for the payments since the SOL is over. - Not willing to validate debt: Consumers often complain of Afni Collections agency not willing to validate the bill which they claim that you owe. The only option then left for the consumers is to file a complaint with the State Attorney General. At times, the consumers' attorneys have even sued Afni Collections agency but the latter doesn't seem to stop. Know more...
- Reporting credit information incorrectly: Afni Collections agency is said to report wrong information to the credit bureaus. One consumer says that Afni reported inaccurate information to the credit bureau as a result of which the consumer's credit report showed an account with Nextel. But the latter didn't have a Nextel account since the past 9 years and when he had the account, it showed up as zero balance on the credit report. So, he actually didn't have any outstanding balance on the account. The consumer disputed the information thrice and each time the response from the CA is that the account status has been verified and reported correctly. Get further details...
If you too are in a similar situation as above, talk to the credit bureaus and have them remove the incorrect information from your credit report. While you communicate with the credit bureau, provide them with the copies of documents which prove that the information reported is erroneous. Your letter to the bureau should indicate clearly which items are under dispute and you shouldn't forget to mention the facts supporting it. Once you contact the bureaus to dispute inaccurate information, the latter should investigate and remove the errors from your report within a time period of 30 days.
How to contact Afni Collections agency
You can call at the Afni Collections phone number: (877) 403-0670 or use the following address details:
Afni, Inc.
PO Box 3427 Bloomington, IL 61702-3427
You can even contact the CA using the Afni Collections fax number: (309) 828-0931
Related Forum Discussions
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#1
06-15-2007, 10:48 AM
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Sub:
Afni Collections agency – How best can you handle the collector?
My wife got a call from afni collections regarding a bill that they said was from Verizon that was dated several months after we moved from where that phone service was. When my wife told the woman to send her a detailed validation she was told that all the law required was the total. Well thanks to this site my wife knows better. Then she wanted my wife to go to a "grocery store" to receive a fax. Yeah right.
I went on line and look what I found. Holey Moley! Check out this link about them. budhibbs.com/debtcollectorpages/AFNI.htm or go to budhibbs.com and click on the list of agencies to avoid. This bunch is one oh the worst. Big junk debt scam of afni collection agency. It was no coincidence that they tried to change the date. Statute of limitations had run out on this in a few months ago if she owes it at all. I am getting tired of sending validation letters to afni collections but here we go again. Beware of afni collections scam! This is a huge scam by a company that apparently is trying to climb out of thier own financial mess! 
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#2
06-15-2007, 01:23 PM
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Member
Join Date: Dec 2006
Posts: 220
Credits: 1,591
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afni collections scam
The word needs to get out.
Unfortunately, there are many illegal companies like afni collections in the list. Even if one of them is shut down, it will be a big relief to many people dealing with such crooks. Be aware of your consumer rights. The collectors will try to intimidate you into paying more, without giving any documentation of your account. You have the laws in your favor to fight against AFNI INC.
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#3
08-03-2008, 09:32 PM
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Guest
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afni collections agency complaints
Verizone often hires afni collections for collection purposes. It has become their habit to harass people on old and statute of limitation expired debts. Many a times afni collections call for a debt which you never had. It is preposterous.
When a debt has passed its SOL then no collection agency has the right to harass you. I.e. no collection agency can neither force you to pay the debt nor file any legal action against you. Send them debt validation letter until and unless they give full information. Best of Luck buddy... 
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#4
08-03-2008, 09:40 PM
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Guest
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dealing with afni collections
I think you should send second validation letter and mention in it that you don't want verification but validation of the debt. Information provided by AFNI collection agency must come from Verizone and not afni inc. Make it sure that you are sending the letter through a certified mail return receipt requested.
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#5
08-03-2008, 10:14 PM
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Guest
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afni collections agency address and phone number
contact details of afni inc :-
404 Brock Drive, Bloomington, IL 61702 Afni Collections Phone Number: - (877) 403-0670 Afni Collections fax number: - (309) 828-0931 Websites: - afniupsourcing.com , afnicollections.com DBA names of afni are: - Additional DBA Names AFNI, Afni/Bloom, Anderson Fin Network, Anderson Financial Network, Anderson Financial Network Inc Its other addresses are: - P.O. Box 3097, Bloomington, IL 61702 P.O. Box 3427, Bloomington, IL 61702 You can also call them at: - (866) 425-1601
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#7
08-31-2008, 08:20 PM
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AFNI INC
Actually, a consumer does not have a private right of action to sue a collection agency (like Afni Collections INC) for not having the proper state license. Only the state can file.
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#8
09-28-2008, 07:37 PM
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Guest
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Sub:
collection letter from afni inc
I received a collection letter from afni collection agency a month ago claiming that I owe for a landline phone bill. The problem I have is that the debt was accrued early 2002, and i wasn't 18 yet. I obviously didn't open that phone acct due to the fact that I was a minor. I have never received any correspondence from the phone company in all this time regarding this matter and it has been 6 years. And now i receive a letter requesting the debt be paid. I called afni collections to find out when this debt had occured, and when the guy found out that I wasn't 18 at the time, he was quick to try and get me to pay him by check or card. They also stated that this hadn't been reported to my credit yet, and wouldn't be if I got this matter taken care of. I have not sent any money or given any banking info to these folks.
Can they do anything after 6 years and considering the fact that I was not 18 at the time?
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#9
09-28-2008, 11:00 PM
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Guest
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Sub:
afni collections?
Don't send them any money, send AFNI COLLECTIONS INC a DV letter instead. I would try to find what phone company they are collecting for and call to find out who opened the account in your name. There may be some ID theft going on here.
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#10
09-29-2008, 04:59 AM
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afni inc
Actually minors can enter into contracts , especially for necesseties which I believe a phone is . Once they reach the age of majority, the contract can be set aside but if you fail to do so, you can be held legally responsible.
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#11
11-11-2008, 08:53 AM
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Member
Join Date: Oct 2008
Posts: 114
Credits: 1,670
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Sub:
Is AFNI INC same as Anderson Financial Network???
Is AFNI Collections the same company as Anderson Financial Network???
I have been watching my credit reports and I noticied that this company just recently reported on my credit file for an outstanding debt they say I hade with nextel.
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#12
11-11-2008, 09:50 AM
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Full form of AFNI INC is Anderson Financial Network
That's AFNI Collections
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#14
11-14-2008, 04:12 AM
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Afni collections agency debt has passed SOL
If this debt of Afni collections is past SOL, then they have no legal teeth to collect. They still have the right to ask and you have the right to send a full Cease Comm FOAD letter to them.
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#15
11-18-2008, 03:00 PM
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Guest
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Afni collections scam
I received the same letter regarding a t-mobile bill. I am a business owner...a collection agency..go figure. Just wante to pass along a little info on AFNI INC. In most cases the debt is out of statute but, if you pay even a penny the debt renews itself...so don't pay! Simply send them a cease and desist letter and send it certified. If they contact you again after receiving the letter you now have the right to sue. Good luck
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#16
11-21-2008, 11:24 PM
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Guest
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Anfi collections scam
I also just received an Anfi letter about a $3140.00 bill from t-mobile on an account I've never had. Researching and reading the entries here has really helped guide me to what action to take. Two questions: 1) do I skip sending a request for validation letter and go directly to a Cease and Desist letter? It seems unnecessary to request validation for an account I've never contracted for but I want to make sure I do everything correctly so these a**holes won't continue to make trouble and possibly put a black mark on my present excellent credit record. 2) Do I also send a copy of any correspondence to governmental agencies, and if so, who should be included?
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