Report: #304111

Complaint Review: Affni Collections, Inc.

  • Submitted: Mon, January 28, 2008
  • Updated: Tue, January 29, 2008
  • Reported By: Miami Florida
  • Affni Collections, Inc.
    404 Brock Drive P.O. Box 3427
    Bloomington, Illinois

Affni Collections, Inc. Continuous requests for payment to creditor; Cingular Wireless, Inc. Bloomington Illinois

*Consumer Suggestion: James, never pay an original creditor when an account is at a collection agency.

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I received an initial collections letter from Nco Financial Systems, Inc., regarding Cingular Wireless Account due. This account was later transferred to Broward Adjustment Services, Inc. dated 1/14/05. Account was then paid be me, directly to Cingular Wireless, $659.51 dated 5/23/05.

I then received a letter from Afni Collections, Inc. dated 7/08/05 regarding Cingular Wireless account for $758.43. I was then told by Afni that this account was under Bellsouth. I then wrote Afni, advising them that I had paid the balance to Cingular Wireless, and enclosed receipt copies with my letter dated 7/22/05. Again, I wrote Afni another letter dated 2/7/06 requesting written confirmation that Cingular Wireless had advised them of account payed. I received a second collections letter from Afni dated 2/16/06 still requesting payment of $758.43. I then received a third letter from Afni dated 4/7/06 again, requesting payment of $758.43.

I then wrote Cingular Wireless, enclosing copies of Afni requested letters for confirmation that this account was paid directly to Cingular.

I received a confirmation letter from Cingular dated 6/14/06 that the account had been paid however, I still owed Afni $758.43 plus collection fees of $98.92. My last letter to Afni dated 6/20/06 has not been returned with a reply or confirmation.

This company Afni, seems to be fraudulent due to the following data I received from them in writing:
1. Afni letter dated 4/7/06 lists their address as Afni 404 Brock Drive P.O. Box 3427 Bloomington, Illinois 61702-3427 as well as P.O Box 20939 Ferndale, Michigan 48220.

2. Afni letter dated 4/7/06 Lists Cingular Wireless address as 1310 Martin Luther King Blvd. Bloomington, Illinois 61701.

Cingular Wireless, Inc. official address is Suite 1100-CO 5565 Glenridge Connector Atlanta, Georgia 30342.
Since the time of my last attempted contact to Afni, I have not gotten any more collections letters however, Afni is still listed on my credit report as unpaid account.

Miami, Florida
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This report was posted on Ripoff Report on 01/28/2008 03:55 PM and is a permanent record located here: 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. READ: Foreign websites steal our content

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#1 Consumer Suggestion

James, never pay an original creditor when an account is at a collection agency.

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


That was the only mistake you really made here. However, it is easily corrected.

At this point, stay off the phone. Do everything in writing and send by certified mail, return reciept requested. Be sure to put the cerified# on the letter itself and keep a copy for your records. This procedure is VERY important. Be sure you follow it exactly.

Now, by the means above, you need to dispute the item with each credit bureau. Attach a copy of the initial collections letter that referenced the Cingular account, as well as a copy of your payment to Cingular [now AT&T, again!]. And reference each in your dispute letters.

Now, also by the means above send a dispute letter to both Cingular / ATT and the collections agency. Reference the credit bureau disputes, and attach all evidence. DO NOT sign any letters, just print.

They now have 30 days from the date they recieve the letter to correct the erroneous reporting and drop the collection.

If they fail to do so, you file lawsuits against all parties under the provisions of the FDCPA and the FCRA. This is very easy to do when properly documented. You could get up to $1000 from each, plus costs.

FYI..Collection costs between a creditor and a collection agency can NEVER be passed on to the consumer/debtor. This is illegal. These costs can ONLY be awarded by a court. But it is ILLEGAL for a collection agency to add them into a demand for collection. Another violation here.

The person at Cingular must be a moron to have told you that. They are just trying to get out of paying the collection agency the agreed upon fee. That is on them. They accepted your payment.

Don't get mad, GET PAID!!
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