• Report: #283572
Complaint Review:

Afni, Inc.

  • Submitted: Wed, November 07, 2007
  • Updated: Wed, November 07, 2007

  • Reported By:tijeras New Mexico
Afni, Inc.
404 Brock Drive Bloomington, Illinois U.S.A.

Afni, Inc. Debt Collections on ancient phone bills, Scams, Scare tactics Bloomington, IL 61702 Bloomington Illinois

*Consumer Comment: Advise....

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I received a letter from Afni, Inc. regarding a bill for Verizon (Contel of the South) for $39.34 for a phone number I had over 8 years ago. I was concerned because it was from a collection agency. I was not aware that I owed any money and I carefully review my credit reports and have never seen anything about this nor have I ever received anything from Verizon (Contel of the South) regarding late notices. When I called, they did not have my SS# but rattled off the last two addresses I had in Virginia (moved to NM 7 years prior). They said the last notice was sent over five years ago to my old address. I just assumed it was legit and gave them my bank account info on the phone. After thinking about it over night I realized, there is no proof this was my bill or that I owed anything except their word. I have no records showing any late or outstanding balances on any accounts. I checked online the next morning and found a load of scam reports about Afni, Inc. Since the charges had not been posted to my account yet, I went to my bank, changed my account number and stopped payment from going through. I have since sent Afni a letter stating I would not deal with a collection agency, that even if the alleged charges were legit, the statue of limitations had ran and that any attempt to file suit would NOT be ignored and I would respond with an affirmative defense under the statute of limitations and any other applicable Federal and State laws for unfair debt collection practices.
Anyone got any other advice on how to handle this? If I ever receive a collection notice again, I'll do my homework and verify the legitimacy of a company and the debt owed BEFORE attempting to make a payment.

tijeras, New Mexico

This report was posted on Ripoff Report on 11/07/2007 04:12 PM and is a permanent record located here: http://www.ripoffreport.com/reports/afni-inc/bloomington-illinois-61702/afni-inc-debt-collections-on-ancient-phone-bills-scams-scare-tactics-bloomington-il-283572. 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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#1 Consumer Comment


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

You gave them your bank account info?? Not good....

It's probably safe to assume that they've already debited the amount...

If you Google "Afni" you'll see TONS of complaints about this sleazy firm. The fact that this company has your bank transit and checking account number is a very bad thing. I'd cancel your bank account immediately....If you don't they can raid your checking account and take all your money.

For your future reference:
Understand that you have rights under the Fair Debt Collection Act, which is a federal law governing the behavior of collection agents. Collection agents cannot take your firstborn child, nor can they send the sheriff to your residence to have you arrested if you don't pay them by sundown.

***Per the Fair Debt Collection Act you have the right to demand that ANY alleged debt be validated. YOU HAVE THIS RIGHT UNDER FEDERAL LAW SO ALWAYS INSIST UPON IT. If a bill collector calls you, YOU SHOULD FIRST ALWAYS tell them:

"I am requesting that this alleged debt be validated per the Fair Debt Collection Act."

Per federal law they MUST do this.... Even if you recognize that the debt that they are trying to collect on is real and valid, you should STILL request validation. This will give you 30 days to collect your thoughts and get a game plan in place.

DO NOT let them scare you into making a payment or giving them your checking account info....Neither should you give them a pint of your blood....
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