• Report: #403312

Complaint Review: AFNI Inc, AFNI-BLOOM

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  • Submitted: Fri, December 19, 2008
  • Updated: Mon, October 05, 2009

  • Reported By:Flat Rock Michigan
AFNI Inc, AFNI-BLOOM
404 Brock Drive Bloomington, Illinois U.S.A.

AFNI Inc, AFNI-BLOOM AFNI Inc Illegally Re-ages Old Debt, Refuses to Provide Validation Documents Bloomington Illinois

*Author of original report: Illinois Atty General Stepping In

*Consumer Comment: no scam here

*Consumer Comment: these are not SCAMS

*Consumer Comment: re:

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My husband and I applied for a mortgage loan last week. After receiving our credit report, our lender notified us that there were two new collection accounts in the amount of $251 each. Both share the exact same account number, one had been opened in 7/08 and was delinquent as of 11/08, and another that reported no open date and a last activity date of 10/04 on our report. We did not recognize the creditor and have not acquired any new revolving or installment accounts in several years. In the notation field on the report, both accounts stated "Verizon". My husband did not recall ever receiving any type of balance due statement from Verizon when he cancelled their phone service upon relocation four years ago.

On behalf of my husband, I first called Verizon to verify the name and SS# on the account. They were able to verify that it indeed was in his name, the account's telephone number, that it was a landline, a legitimate address for service, and that the account had been closed in 10/04. They were unable to provide further information and directed me to call AFNI.

I contacted AFNI Inc in order to obtain a copy of the original creditor's final statement to validate the debt. When I asked for a copy of the original
creditors bill, the gentleman who answered replied with "Are you calling to take care of this debt". I stated that we might consider it if he could provide us with a copy of the original bill. The gentleman stated that he was unable to send my husband a copy of the original creditor's final statement. I told him I could accept immediately by either fax or email. He refused. I stated that I needed a final bill to verify last activity date, because as it appears on the report, they have illegally re-aged the debt. He then stated that our lender "did not know how to read a credit report", insisted that AFNI's methods were legitimate, and again refused to send a copy of the original bill. In all, throughout the 3 minute phone call, I asked for an original copy of the bill 5-6 times. Finally I stated that I would contact my attorney and hung up.

I called Verizon back in hopes they would be able to provide the final statement of account, but their finance department told me that AFNI had purchased the debt and they were not legally able to provide documentation or further information on the original account.

I did extensive research on AFNI today, and among the thousands of consumer complaints, I also found a class-action lawsuit filed by Minnesota Attorney General's Office and a news report stating "Senator Owen Johnson has fired off a letter to Attorney General Andrew Cuomo asking Cuomo to probe "what appears to be an unfair debt collection act by Anderson Financial Network, Incorporated,' otherwise known as AFNI. The letter asks Cuomo to "investigate...to determine if AFNI is operating within the law.'"

I have filed complaints with BBB, FTC and Michigan Attorney General's office, disputed the item with the three major credit bureaus, and we are in the process of seeking an attorney to represent us in a violation of
the FCRA/FDCPA, violation of Michigan State Law, and possibly guilty of Defamation of Character considering this debt could potentially cause mortgage denial or additional interest rates. I would be willing to join any other class-action litigation pending against AFNI.

Whatever you do, DO NOT provide them with any information if they state that YOU must validate YOUR information. Burden of proof lies with the collection agency to prove the debt as legitimate!

Carrie
Flat Rock, Michigan
U.S.A.

This report was posted on Ripoff Report on 12/19/2008 10:14 PM and is a permanent record located here: http://www.ripoffreport.com/r/AFNI-Inc-AFNI-BLOOM/Bloomington-Illinois-61701/AFNI-Inc-AFNI-BLOOM-AFNI-Inc-Illegally-Re-ages-Old-Debt-Refuses-to-Provide-Validation-Do-403312. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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REBUTTALS & REPLIES:
1Author 3Consumer 0Employee/Owner
Updates & Rebuttals

#1 Author of original report

Illinois Atty General Stepping In

AUTHOR: Carrie - (U.S.A.)

As well as being sued by MN Atty General for Fraud, we contacted the Illinois Attorney General who is in the process of reviewing our documentation. FDCPA clearly states we have a right to a final bill and a letter of sale or assignment. Some "Pay us this amount" form letter does not fit the legal definition of "Validation".
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#2 Consumer Comment

no scam here

AUTHOR: Stacey - (U.S.A.)

You work for a bottom feeder debt collector and most likely make your money on commission
Grow up AFNI is one of the worst bottom feeders

AFNI, Inc.
fka/Anderson Financial Network, Inc.
404 Brock Drive Bloomington, IL 61701
Phone: 866-633-4384 309-828-5226

800-767-2364 or 888-338-2364
Fax: 877-435-8073 (309) 828-0931

309-663-4510 309-829-2682

Web Address: www.afnicollections.com

Head Debt Collectors:
Bruce F. Griffin Chairman and Chief Executive Officer
President Ronald L. Greene
Vice President Gregory J. Donovan
Secretary Gregory J. Donovan
Treasurer V. Curtis Oyer




--------------------------------------------------------------------------------

Consumer Comments Below

Bud Says

CONSUMERS ARE WARNED NOT TO FALL FOR THEIR SCAM OF ATTEMPTING TO COLLECT ON TIME BARRED DEBTS FROM VERIZON/GTE ACCOUNTS THAT DATE BACK TO THE EARLY 90'S. AFNI CANNOT SUE ON THESE DEBTS, THEY CANNOT REPORT THEM ON YOUR CREDIT FILES. AFNI IS HURTING FOR COLLECTION ACCOUNTS & PAID PENNIES FOR THIS WORTHLESS PORTFOLIO, HOPING TO CASH IN. THIS IS A SCAM -- YOU DO NOT HAVE TO PAY ON THESE OLD, OUTDATED ACCOUNTS!

FAX A LETTER TO AFNI AT (309)-828-0931

STATING: I REFUSE TO PAY THIS DEBT!

Get a receipt it was received

get a REAL job bottom feeder debt collector before you wind up in court defending your "great company"
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#3 Consumer Comment

these are not SCAMS

AUTHOR: No Scam Here - (U.S.A.)

AFNI buys the old debts from say VERIZON once they find you they offer to settle for half of the "old debt" they are just doin their job & are legit, IF YOU PAY YOUR BILLS YOU'LL NEVER HEAR FROM THESE PEOPLE (ALL YOU PEOPLE SOUND LIKE DEADBEAT DADS WHO GOT CAUGHT) they found me after 5 years I called Verizon and they confirmed everything.
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#4 Consumer Comment

re:

AUTHOR: John - (U.S.A.)

AFNI is located in Illinois...file complaints with the Illinois Attorny General and the Central Illinois BBB.


Send a letter via Certified Mail + Return Receipt to AFNI stating:

Per the Fair Debt Collection Practices Act, I am requesting written validation of this alleged debt, which includes:

- a copy of the original signed contract with my signature
- validation of the original "Date of Delinquency" for this alleged debt
- validation of the "Date of Last Activity" for this alleged debt
- validation that this alleged debt is within the statute of limitations.

Per the Fair Debt Collection Practices Act, the burden to validate the debt falls on the debt collector. It is not my responsibility to validate this alleged debt for you. If your firm has the info to place this item on my credit report, then you need no further validation of my identity. Receipt of this validation request is being time stamped by the USPS.

Either validate this alleged debt within the 30 day time period as allowed under the Fair Debt Collection Practices Act or remove it from my credit files

If this notation is not removed, I will have no choice by to take action per my rights under the Fair Debt Collection Practices Act. I also file reports with the Attorney General of Illinois and the BBB.
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