• Report: #568521

Complaint Review: Afni, Inc Collection Agency

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  • Submitted: Fri, February 12, 2010
  • Updated: Wed, February 17, 2010

  • Reported By: Brandi — Charlotte North Carolina United States of America
Afni, Inc Collection Agency
404 Brock Drive PO Box 3517 Bloomington, Illinois United States of America
  • Phone: 866-265-6032
  • Web:
  • Category:

Afni, Inc Collection Agency Afni debt Collection Company is ALL about the money and NOT about Intregrity! Bloomington, Illinois

*Consumer Comment: Snowball

*Author of original report: A Clarification on the Afni Matter...

*Consumer Suggestion: You're screwed.

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I recently received a letter in the mail from Afni Collection Agency regarding a supposed debt to a bank for a whopping $731.89. My eyes glanced down to the bottom of the statement and saw that they were willing to settle for half the amount.I thought to myself...the settlement amount was even outrageuos. I was really busy at the time, so I put it away for a later date when I could call them and find out what was going on.


I called Afni Collection Agency and "Eric" answered the phone. I kindly told him my account number on the bill, and the reason why I do not owe this insane amount of money. I went on to explain to him that I had a checking account with Charter One bank a year or so ago, and I had over-drawn my account by $7.00 and some change, and that I had another account that I frequented more often, so by the time I was aware that I had over-drawn the account, they had already incurred 4 fees of $35. [continued below]....

.....00 that they charged each day the account was over.


I then went on to explain how when I called their customer service line to dispute this matter, they were very nasty, and non-relenting. I said that I would pay a few of those charges, but there was no way I was going to pay $182.00 for $7.00 over-drawn. Then, I told them to just close my account, and they said they were going to let it add up day by day until it was paid. Boy, was I angry! I guess I need to write a rip-off report for Charter One Bank as well, but in case I do not get around to it...(do not open an account there).


Furthermore, I went on to tell Eric that I was willing to pay what I was willing to pay before, but that I did not think it was fair to have to pay $731.89, or even the $365.95 quoted in the statement they sent me for something I did not do! What was his response you ask?... "Well it is what you owe, and what you will have to pay! There is no negoiation whatsoever on the matter." He said that it is on my credit report, and "you will have to pay it eventually, one way or the other, so I may as well do it now!"


I told him that he could not do that, and that it is illegal to report inaccurate information on people, especially if you know that the charges in question are not fair or accurate! And it became a shouting match at this point. I told him that he will hear from my lawyer, because that it not the way to treat people , or do business...he said bring it on! I will call him myself!


So I say all this to ask these questions currently turning over in my mind:


What is the world coming to with this whole credit system?, and why do we consumers have to stand for getting bullied around by big business? How come there are not laws in place that really protect the consumer from false accusations from so called debtors? Sure I know that you can make a dispute against things put on your credit, but how often are these charges actually taken off? Not very often, if ever in my experience.


So where does that leave us????


This report was posted on Ripoff Report on 02/12/2010 09:46 AM and is a permanent record located here: http://www.ripoffreport.com/r/Afni-Inc-Collection-Agency/Bloomington-Illinois-61702/Afni-Inc-Collection-Agency-Afni-debt-Collection-Company-is-ALL-about-the-money-and-NOT-a-568521. 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.

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REBUTTALS & REPLIES:
1Author 2Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Snowball

AUTHOR: Flynrider - (USA)

  I'm not in the debt collecting or banking business, but I do read account agreements and understand how they work.

  Basically, you started with a $7 overdraft that you ignored and it built up overdraft charges (per the account agreement).  When you found out about it, you still refused to pay and let the charges build up (per the account agreement).  Then the bank gave up, sold the debt off to a collector, which incurred more fees.   If they decide to take this to court and get a judgement, the fees will go up again. 

  Had you taken care of this when you should have, you'd be out $35.  Your righteous indignation has allowed this to snowball into a sizable chunk of money and hit on your credit report.  You can dispute the charge with the credit agencies, but from what you've posted here, I'm betting that the collector has the documentation to back up the report.

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#2 Author of original report

A Clarification on the Afni Matter...

AUTHOR: Brandi - (United States of America)

Perhaps I was not clear in my willingness to pay what is owed, so let me clarify that I am willing to pay what is owed. However, my complaint is not simply that I can not have things "my way," in not paying anything, it is the possibility of being forced to pay an amount that is not what I truly owe. You see, I understand that banks charge overdraft fees, but what I do not understand is how it is lawful to charge 100 times what I incurred. Something tells me you are in the debt collecting or banking profession...
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#3 Consumer Suggestion

You're screwed.

AUTHOR: Flynrider - (USA)

   A debt is not invalid, just because you decided you didn't want to pay it.   I'll bet that when you signed up for your checking account, you agreed to pay those overdraft fees (that's what everyone agrees to when they open an account).   That you didn't like the amount of the fees when you finally incurred them has no bearing on the validity of the debt.  

  Basically, they really can make you pay one way or the other.  If they decided to take this to court, they would very likely get a judgement against you (which would include fees and court costs as well).   This is a fairly fresh debt and likely has good documentation behind it.

  I'm not suggesting that you have any dealings with this collection agency.  I'm just pointing out that your position that you don't owe any money is extremely weak (according to your own explanation).

 

   

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