Business Profile

Collections Agencies

Afni, Inc.

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

This profile includes complaints for Afni, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

320 total complaints in the last 3 years.
13 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:05/23/2025
Type:Delivery Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
There was an accident on January 3rd 2025. We settled with AFNI subrogation on the claim in the amount of $4000.00 and paid it in full on Thursday April 10th to AFNI. I was assured on my date of payment I would receive a letter/release from AFNI in 20 days by mail. Fast forward, 20 days passed by and we called AFNI for an update. A different representative stated it would be 30-45 days from day of payment for us to receive a release of liability. It’s been now 44 days. We have tried emailing them as well and we haven’t heard back or received the release of liability. Our registration/driver license have now been suspended. We need this letter in order to lift the suspension on our registration/driver license.
Business Response
Date: 06/03/2025
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond to the claimant’s concerns. On February 14, 2025, U*** *orwarded the subject account, U*** account ** *************** Afni, Inc. account #: *********** with Afni for resolution. The account is from an accident which occurred on January 3, 2025, involving a vehicle that was listed as driven by the claimant, Flor Martinez.
On May 23,2025, Afni received this complaint. In response, Afni initiated an investigation. To address the claimant’s concerns, Afni agreed to settle the claim for $4,000. Afni advised that the release process takes an average of 30-45 days and cannot be completed until U*** has verified that the claim is closed and no further claim charges are pending. Afni requested claim balance and closure verification from U*** multiple times and U*** verified the claim was closed on June 2, 2025. Afni escalated the release and mailed it to **** ******** the same day. Please see attached. Afni trusts that this response has addressed all of the claimant’s concerns, but if questions remain, or if **** ******** would like to discuss the U*** account further, they may contact an Uninsured Motorist representative at (866) 889-1617.
Customer Answer
Date: 06/03/2025
I am rejecting this response because:

It is missing witness signature on the release.
Business Response
Date: 06/04/2025
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond to the claimant’s concerns.
On June 4,2025, Afni received this complaint rejection. In response, Afni initiated an investigation. To address the claimant’s concerns, the prior response attachments were provided as reference. The actual documentation sent in the mail includes all required elements. A copy of the signed and notarized release is attached. Afni trusts that this response has addressed all of the claimant’s concerns, but if questions remain, or if Flor Martinez would like to discuss the U*** account further, they may contact an Uninsured Motorist representative at (866) 889-1617.
Customer Answer
Date: 06/10/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 23371518, and find that this resolution is satisfactory to me.
Initial Complaint
Date:04/06/2025
Type:Delivery Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I was in an at fault accident on November 21st 2024. I settled subrogation with Afni and paid settlement in full on January 17th 2025. I was assured on my date of payment I would receive a letter of debt paid/claim closed via the mail within the next 30 days. 14 days later I called again to confirm this to find out my claim was never sent over to the original insurer and that they would get it sent over that day but that it would restart the 30 day window to receive the letter and that it could be up to 45 days(This is now going past the date my license would be suspended and Inconvenient) but so be it. Fast forward from that date 55 days and I STILL have not received any letter. My license is suspended, I can not drive, my debt is paid and I have no proof. I called Afni again this time the agent on the phone said there is nothing they can do and that the letter will be sent when it gets sent and there’s nothing anyone them or I can do about it. Ultimately, dealing with this company has been worse then any other debt collector I’ve ever dealt with and is severely impacting my life as I need to be able to drive again and can not do so until the all mighty at Afni decide they finally want to send my my letter that they promised almost 90 days ago when I originally paid. I just want my letter so I can move past this and get back to living my life.
Business Response
Date: 04/08/2025
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond to the claimant’s concerns. On January 6, 2025, ***** Insurance forwarded the subject account, ***** Insurance account #: **************** , Afni, Inc. account #: **********, with Afni for resolution on the balance of $3,397.68. The account is from an accident which occurred on November 21, 2024, involving a vehicle that was listed as driven by ***** *********.

On April 6, 2025, Afni received this complaint. In response, Afni initiated an investigation. To address the claimant’s concerns, the tort claim was settled in full upon receipt of the final payment towards the property damage on January 17, 2025. Afni submitted a request to ***** Insurance to confirm that all perils were closed prior to completing the Release letter. Afni has been able to close the claim file and created the Property damage release letter on April 8, 2025. Please see attached release documentation. Afni trusts that this response has addressed all of the claimant’s concerns, but if questions remain, contact an Uninsured Motorist representative at ***** ********.
Customer Answer
Date: 04/08/2025
I am rejecting this response because: The business did not sign the release that was provided. I also need a receipt showing the date I paid the damages; or the date the damages were paid need to be included in the release. The DOL Will not accept an unsigned document and I need the receipts to prove I paid the damages before February 17th
Business Response
Date: 04/08/2025
Added signed release documentation.
Customer Answer
Date: 04/09/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Initial Complaint
Date:03/23/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
i got into a accident 1/31/2023 and this company handled my case. first i was given a pay out amount of roughly $3500 i paid half of that and my balance was then 1700. i then called to pay the remaining balance and was then told that i know owe $9 ,383.81. which i don't understand where 7,000 extra dollars came from. i then set up a payment arrangement to settle for the amount of 4691. which i would pay 3,000 down and 3 payments of 563.96 until settlement paid in full. all payments have been successfully made but my license is still suspended. i have been reaching out to see when i would be able to get a release form to take to the bmv to get my license back or even a form stating that my account is paid in full. i have gotten so many different answers. one guy told me 2-3 weeks. another said 30-45 days. and a lady told me 1-2 days and someone from the support team would email me. i don't understand what the hold up is.
Business Response
Date: 04/01/2025
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond to the claimant’s concerns. On March 3, 2023, ********* ***** ********* forwarded the subject account, ********* ***** ********* account #: *******, Afni, Inc. account #: *******-*** with Afni for resolution on the balance of $4,691.89.

On March 23,2025, Afni received this complaint. In response, Afni initiated an investigation. To address the claimant’s concerns, this tort file has been closed as settled in full on March 21, 2025. Afni sent the Release of Property Damage Claims and Demands to ******* ******* on March 24, 2025. Please see the attached Release of Property Damage Claims and Demands. Afni trusts that this response has addressed all of the claimant’s concerns, but if questions remain, or if Felicia Houston would like to discuss the account further, she may contact an Uninsured Motorist representative at ***** *********
Initial Complaint
Date:02/10/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I setup a payment plan and arrangement with anfi in connection to a car accident I was in ***** the insurer issued it to anfi for repayment ***** has stated to me the claim is closed anfi claims they are waiting for given to give them the final payment amount but at the same time told me it was 13,854.08 for the total and told me I will receive a payment arrangement letter with in 3 weeks time it had been over a month so they had me use a electronic signature and agreeded to this amount and now saying they are waiting on ***** for the total amount this is fraud by definition all I want is my payment arrangement letter so I can present it to the DOL in Washington state and get my license back other wise I don’t think I should keep paying a company who commits fraud my afni account number is listed below for reference
Business Response
Date: 02/17/2025
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond to the claimant’s concerns. On December 23, 2024, ***** Insurance forwarded the subject account, ***** Insurance account #: ****************, Afni, Inc. account #**********, with Afni for resolution on the balance of $13,854.13. The current balance is $13,361.15. The claim perils remain open, and the balance may be adjusted if ***** Insurance pays out additional funds towards the claim.

The account is from an accident which occurred on October 09, 2024, involving a vehicle that was listed as driven by ******** *********; a 2007 Subaru Impreza; with license plate # *******.
On February 10, 2025, Afni received this complaint. In response, Afni ceased communication and initiated an investigation. To address the claimant’s concerns, ******** ********* agreed to a payment arrangement with Afni and was advised that the requested installment agreement takes an average of thirty days to complete. Afni has attached the requested installment agreement to this response. Afni trusts that this response has addressed all of the claimant’s concerns, but if questions remain, or if ******** ********* would like to discuss the ***** Insurance account further, he may contact an Uninsured Motorist representative at ***** ********.
Initial Complaint
Date:02/03/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I received a collections letter from AFNI on February 3, 2025. I witnessed an auto accident on 1-03-2025, and have been helpful to both *********** (the person who's vehicle got hit in a hit and run incident) and the **** ***** ******* Police Department in their investigation. *********** is somehow saying I'm liable and owe $2895 to them for subrogation. They sent me to collections when I was the person who witnessed the accident and had no involvement in it at all. I called AFNI today and told them they had it messed up, and they said the would review the file (and still asked me over the phone if I wanted to make a payment). I am concerned this could affect my credit, and it's a hassle to try and get it corrected.
Business Response
Date: 02/05/2025
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond to the ******* **********’s concerns.

On February 4,2025 Afni received this complaint. In response, Afni ceased communication and initiated an investigation. To address the concerns, the investigation completed by Afi confirmed that ******* ********** was a witness to the incident that occurred and is not responsible for or involved in the accident. Afni apologizes for the liability error and has removed ******* ************ information for the claim file. He will not receive further contact from Afni regarding this matter. Afni trusts that this response has addressed all of the complainant’s concerns, but if questions remain ******* ********** may contact an Uninsured Motorist representative at ***** ********.
Customer Answer
Date: 02/06/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Initial Complaint
Date:01/29/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I was involved in a minor fender bender on Jan 27,2024. The other driver cut his car from an alley to the main road without yielding my right of way. The driver’s insurance claims that I am at 100% fault for this incident. l have been denying these charges and been asking for proof of the fact that I am at fault for this incident but I have not received validation of my debt notice.
Business Response
Date: 02/06/2025
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond to the claimant’s concerns. On September 25, 2024, **** forwarded the subject account, **** account #: **************, Afni, Inc. account #: **********, with Afni for resolution on the balance of $3,779.29.
The account is from an accident which occurred on January 27,2024, involving a vehicle that was listed as driven by the claimant, ************ *****; a 2020 Nissan Altima with license plate: *******.
On January 29, 2025, Afni received this complaint. In response, Afni ceased communication and initiated an investigation. To address the claimant’s concerns the account is not a debt, this is a tort, or wrongful act. There were no services provided to ************ ***** and **** is pursuing ************ ***** as he was found to be responsible for the accident based on the investigation completed by ****. The vehicle driven by ************ ***** pulled into the parking lane and failed to yield resulting in ************ *****’s vehicle striking ****’s insured vehicle in the right front section. At the date of loss, ************ ***** did not provide valid insurance information. If ************ ***** had valid insurance, they are encouraged to provide the policy and claim information to Afni to process the claim. Afni trusts that this response has addressed all of the claimant’s concerns, but if questions remain, or if ************ ***** would like to discuss the **** account further or provide valid insurance information on the date of loss, they may contact an Uninsured Motorist representative at ***** ********.
Customer Answer
Date: 02/06/2025
I am rejecting this response because:
The facts provided by the **** and/or driver of the other vehicle are false.
“The vehicle driven by ************ ***** pulled into the parking lane and failed to yield resulting in ************ *****’s vehicle striking ****’s insured vehicle in the right front section”
I was driving in the driving lane and did not pull into the parking lane. The driver of the other vehicle pulled into the main road from the alley without yielding to oncoming traffic i.e. my car.

Business Response
Date: 02/07/2025
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond to the claimant’s concerns. On September 25, 2024, **** forwarded the subject account, **** account #: **************, Afni, Inc. account #: **********, with Afni for resolution on the balance of $3,779.29.
The account is from an accident which occurred on January 27,2024, involving a vehicle that was listed as driven by the claimant, ************ *****; a 2020 Nissan Altima with license plate: *******.
On Feb 7, Afni received this complaint rejection. To address the claimant’s concerns the account is not a debt, this is a tort, or wrongful act. There were no services provided to ************ ***** and **** is pursuing ************ ***** as he was found to be responsible for the accident based on the investigation completed by ****. Per the statements provided during the liability investigation the insured vehicle was south bound on 16th and the vehicle driven by ************ ***** was East bound on East ******. The insured vehicle completed a turn onto East ****** when the vehicle driven by ************ ***** pulled into the parking lane and failed to yield resulting in ************ *****’s vehicle striking ****’s insured vehicle in the right front section. The insurance adjuster determined ************ ***** was at fault based upon the statements and damage to the vehicle. At the date of loss, ************ ***** did not provide valid insurance information. If ************ ***** had valid insurance, they are encouraged to provide the policy and claim information to Afni to process the claim. Afni has attached documents to support the claim that have previously been provided to ************ ***** detailing the damages. Afni trusts that this response has addressed all of the claimant’s concerns, but if questions remain, or if ************ ***** would like to discuss the **** account further or provide valid insurance information on the date of loss, they may contact an Uninsured Motorist representative at (**** *********
Customer Answer
Date: 02/10/2025
I am rejecting this response because:
this statement is false: “The insured vehicle completed a turn onto East ****** when the vehicle driven by ************ ***** pulled into the parking lane and failed to yield resulting in ************ *****’s vehicle striking ****’s insured vehicle in the right front section”.
My car was already in the driving lane and did not pull into the parking lane. In fact, the other vehicle, ****’s insured failed to yield to oncoming traffic and entirely responsible for this incident and liable for all damages.
Initial Complaint
Date:01/09/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On 07/04/2024 my son was in a fender bender. He was cut off in a two lane left turn, damage to his drivers side, her passenger side. Our insurance took no liability. He only had liability coverage. Fast forward to now, getting a bill in the mail from ANFI for over 4000 dollars and threatening to suspend my husband and son’s license if this was not paid, all the while providing no documentation to us. Called the original insurance who sent this to ANFI l, *****, and requested original forms for this claim they said ANFI provides that. Contacted them, they gave an email saying you need to email right away or your license is getting suspended. Emailed a few times, no response. Called, lady was extremely rude, said she’d send it in the US mail and it’d take 3-4 weeks. I said no, you’re threatening to suspend licenses I need this emailed. She was confused about me asking for original documents associated with the claim and said she’d send an itemized bill. I said I want documents I’m not paying a bill without any proof of how they came to the conclusion he was at fault, when police was not called and he had a witness on his car. She said no I’m not emailing we will send it in the mail, again, an itemized bill. I said I need you to NDA these immediately , again she no not doing that. I said email, again no. I said I want a supervisor, she said she’s just gonna tell you the same thing, I said I don’t care I want a supervisor. She said they’re not here I’ll transfer you. Put me on hold for 15 minutes for some reason, I hung up called back and she said I told you they’re not here. I said I know that you told me that you put me on hold for 15 minutes and never transferred me over to their voicemail. Again she put me on hold and after about 10 minutes I finally got transferred over to their voicemail where I left a voicemail and I have not received a phone call back nor an email back. I want ANFI to contact me immediately. I want all forms of the original claim sent to me.
Customer Answer
Date: 01/10/2025
I have sent yet another email with no response still.
Business Response
Date: 01/17/2025
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond to the claimant’s concerns. On December 19, 2024, ***** Insurance forwarded the subject account, ***** Insurance account #: ****************, Afni, Inc. account #:*******-04, with Afni for resolution on the balance of $4,835.26.
The account is from an accident which occurred on July 7, 2024, involving a vehicle that was listed as driven by ******* **** **.; a 2004 Ford Mustang.
On January 9, 2025, Afni received this complaint. In response, Afni ceased communication and initiated an investigation. To address the claimant’s concerns, after confirming the ********* Insurance Policy, the claim has been closed in Afni’s account management system, and we are no longer pursuing collections. If the claimant has any further questions about the claim, they are encouraged to work with their insurance company. Afni trusts that this response has addressed all of the claimant’s concerns.
Customer Answer
Date: 01/21/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. Although they did get the dates very wrong which shows me their incompetence
Initial Complaint
Date:12/31/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I was called on the following dates: July 3rd, July 18, July 22, July 26, July 30th, August 6th, August 7th, August 14th, August 15, August 22, August 26, August 30, September 4th, September 18, September 20, October 10, October 18th, October 21th, October 28th, October 29th, November 4th, November 6th, November 12th, November 14th, November 20th, November 27, December 4th, December 6, December 13. I've already explained to them ***** paid for the collision and gave them the account number. Afni has called me 29 times over the past six months, with calls occurring weekly. I have repeatedly ignored and declined these calls, yet they persist. I am awake during the nights and sleep during the day, but their calls—most of which occur during my sleeping hours—have disrupted my rest, leaving me stressed and exhausted. Despite their persistence, I have not received proper validation of the debt or been provided a reasonable way to resolve or dispute it. I feel harassed by their behavior and request that these calls stop immediately.
Business Response
Date: 01/08/2025
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond to the claimant’s concerns. On June 17, 2024, *********** Insurance forwarded the subject account, *********** Insurance account #:*********, Afni, Inc. account #:*******-04, with Afni for resolution on the balance of $2,239.94. Afni sent the attached First Notice letter to ****** ******** on June 18, 2024.The account is from an accident which occurred on May 23,2024, involving a vehicle that was listed as driven by the claimant, ****** ********; a Honda with license plate:*******.
On December 31,2024, Afni received this complaint. In response, Afni ceased communication and initiated an investigation. To address the claimant’s concerns, this is a tort, or wrongful act. There were no services provided to ****** ******** and *********** Insurance is pursuing ****** ******** as he was the driver of the vehicle that struck *********** Insurance’s insured and was found to be responsible for the accident based on the investigation completed by *********** Insurance and the attached police report. Per the attached police report, ****** ******** was cited for a DUI. ****** ******** proceeded through an intersection and struck *********** Insurance’s insured. At the time of placement, there was not valid insurance information provided to cover the damages that *********** Insurance had to pay out to make their insured whole again. Afni had a verbal communication with ****** ******** on September 20,2024. During the conversation ****** ******** provided insurance information for a ***** policy and claim # for the incident. Afni has submitted a request to determine if the ***** policy is valid to cover the damages and will take appropriate action on the file once the claim outcome is finalized. Afni has removed the telephone number from the file and added it to Afni’s internal Do Not Call list to prevent further calls to ****** ********. Afni trusts that this response has addressed all of the claimant’s concerns, but if questions remain, or if ****** ******** would like to discuss the *********** Insurance account further, they may contact an Uninsured Motorist representative at ***** ********.
Initial Complaint
Date:11/02/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On 3-19-2024 my car was in a car accident, my friend with my permission was driving my car 1999 Toyota Corolla. His name is ***** ******** the claim # is ************* The policy holders name is ********* ****. On the accident it was my belief since there was no police report or witnesses and upon speaking to her insurance company *******, I was told by ******* that it was a he said she said case. I told her insurance the accident was their policy holders' fault, and nothing could be done as far as my car was concerned because of no witnesses and that they believed their policy holder on who was at fault. Because of the fact that ********* **** is at fault for the accident I did not pay attention to the letters from ******* until it went to afni . This company did not return my request for information and I want them to do so, I request a copy of the debt for me and ***** ********. I would also like proof of said debt and payment request from original debtor
Business Response
Date: 11/05/2024
This is in response to your CFPB inquiry. Afni appreciates the opportunity to respond to the claimant’s concerns.   On May 14, 2024, ******* by ******* ********* forwarded the subject account, ******* by ******* ********* account #: ************** Afni, Inc. account #: **********, with Afni for resolution on the balance of $11,419.57.

The account is from an accident which occurred on March 19, 2024, involving a 1999 Toyota Corolla that was listed as owned by ********* ******** and driven by ***** ********.
On November 2, 2024, Afni received this complaint. In response, Afni ceased communication and initiated an investigation. To address the claimant’s concerns, this is a tort, or wrongful act. There were no services provided to ********* ******** and ******* by ******* ********* is pursuing ********* ******** as she was the owner of the vehicle, and ***** ******** as he was the driver of the vehicle that struck ******* by ******* *********’s insured and was found to be responsible for the accident based on the investigation completed by ******* by ******* *********. Afni has confirmed that on the date of loss there was not valid insurance to cover the damages that ******* by ******* ********* had to pay out to make their insured whole again. ******** ******* denied coverage for ********* ********’s policy # **********. Afni trusts that this response has addressed all of the claimant’s concerns, but if questions remain, or if ********* ******** would like to discuss the ******* by ******* ********* account further, she may contact an Uninsured Motorist representative at ***** *********
Customer Answer
Date: 11/05/2024
I am rejecting this response because:
It does not clearly state the at fault driver and the proof that they have other than word of mouth, and for your client's to have sent it to a collection without a paper stating damages, but to ask for payment, no original owner request from insurance company for payment, and the fact that the insurance company can state who was at fault in such matter and no investigation , I concluded that when speaking to the insurance that it was a word of their client and not a investigation to determine said at fault driver. No witness no police report and of course the fact their client is not at fault. This needs to go to court because I don't care about the damages to my car because I already fixed it but I want the truth to be heard! So, I need to see proof of debt and proof of investigation into the at fault driver other than their client's word

Business Response
Date: 11/05/2024
This is in response to your CFPB inquiry. Afni appreciates the opportunity to respond to the claimant’s concerns.   On May 14, 2024, ******* by ******* ****** Insurance forwarded the subject account, ******* by ******* ****** Insurance account #: *************, Afni, Inc. account #: **********, with Afni for resolution on the balance of $11,419.57.

The account is from an accident which occurred on March 19, 2024, involving a 1999 Toyota Corolla that was listed as owned by ********* ******** and driven by ***** ********.
On November 2, 2024, Afni received this complaint response rejection. To address the claimant’s concerns, ******* by ******* ****** Insurance assigned 100% liability to the vehicle owned by ********* ********. The investigation determined that the vehicle driven by ******* by ******* ****** Insurance’s insured was parked on the right side of the street. The insured driver looked prior to pulling out into the right lane. About one minute after pulling into the right lane, the vehicle owned by ********* ******** and driven by ***** ******** struck the insured vehicle while changing lanes. A ******* by ******* ****** Insurance Claim Center Representative spoke to ***** ********(driver) on March 20, 2024, and explained the investigation facts of loss details finding. Afni trusts that this response has addressed all of the claimant’s concerns, but if questions remain, or if ********* ******** would like to discuss the ******* by ******* ****** Insurance account further, she may contact an Uninsured Motorist representative at ***** *********
Customer Answer
Date: 11/06/2024
I am rejecting this response because:
***** ******** was driving my car and told me and her insurance the real story that she pulled away from the curb and did not look that she did give the right of way to traffic that was already on the road. But if Ms. **** wants to stick to her story then the only way to collect on your debt is to go to court and let a judge decide who is telling the right version of this accident. The fact that this case went to collections without proof of fault other than a insurance company's clients whom they told me on the phone is very scary. Don't worry about the damage to my car I am going for truth, and unless you know of a witness, or police report I suggest you stop your collection case against ***** ******** because it is based on hearsay not fact. Oh and I need a copy of original owner's request for payment and estimate of damages. not once did ***** ******** get anything showing what the money owed by him are for.

Customer Answer
Date: 11/06/2024
In my rejection response to complaint #******** code ************* I made a error in it about what happened, and I am adding this to correct it. ********* **** did not look when entering traffic violating the right of way rule I did not put in my other response the word not. thank you
Initial Complaint
Date:10/24/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
AFNI sent a letter Oct 18 2024 referring to ********* attempting to collect a debt of $1773.27 from an incident on 08-27-2024 forwarded by ***** Insurance. I was not involved in an incident on that date and no idea what this is about.
Business Response
Date: 10/29/2024
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond to the claimant’s concerns. On September 19,2024, ***** Insurance forwarded the subject account, ***** Insurance account #: ****************, Afni, Inc. account #: **********, with Afni for resolution on the balance of $1,773.27.

The account is from an accident which occurred on August 27, 2024, involving a vehicle that was listed as belonging to ******* ****; a 2005 Mercedes Benz, VIN number *****************; license plate *******; driver’s license number ********. The address provided by ***** Insurance for ******* **** is *** ****** *** ********* ** **********. Afni mailed the initial notice of the account on or about September 20, 2024.

On October 25, 2024, Afni received this complaint. In response, Afni initiated an investigation. To address the claimant’s concerns, this is a tort, or wrongful act. There were no services provided to ******* ****. ***** Insurance has completed their investigation and has found that the vehicle driven by ***** ***** and owned by ******* **** was at fault for the accident. The vehicle owned by ******* **** hit ***** Insurance’s insured vehicle from behind. If ******* **** had valid insurance on the date of the accident, they are encouraged to contact Afni with the policy and claim information. Afni trusts that this response has addressed all of the claimant’s concerns, but if questions remain, or if ******* **** would like to discuss the ***** Insurance account further, they may contact an Uninsured Motorist representative at ***** *********
Customer Answer
Date: 10/29/2024
I am rejecting this response because:
My Mercedes Benz was totaled in an accident on 6/14/2024 and was signed over to *********** via my auto body shop. I have attached the title search attached is for the VIN number *****************. This is insurance fraud.
Business Response
Date: 10/30/2024
This is in response to your BBB inquiry. Afni appreciates the opportunity to respond to the complainant’s concerns.

On October 25, 2024, Afni received this complaint and received the rejection on October 30, 2024. In response, Afni initiated an investigation including the additional documentation provided. To address the complainant’s concerns, based upon the VIN documentation provided, Afni has removed ******* ****’ information from the claim and advised ***** Insurance of the incorrect owner assignment. ******* **** will not receive any further contact from Afni in relation to this account. Afni trusts that this response has addressed all of the complainant’s concerns, but if questions remain, they may contact an Uninsured Motorist representative at (**** ********.

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.

Cookies on BBB.org

Complaints

Customer Complaints Summary

If you've experienced an issue

Filter and sort by

Sort by

Complaint status

Complaint type

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Complaint statuses

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Customer Answer

Complaint statuses

Business Response

Customer Answer

Business Response

Afni, Inc. is NOT a BBB Accredited Business.