Consumer complaint received 2020-04-10
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX Account, no contract, paid auto-pay each month with XXXX XXXX, when son graduated, we canceled the account on XX/XX/XXXX and turned in the equipment as directed by XXXX and were given a XXXX Return Receipt XX/XX/XXXX # XXXX XXXX TV Equipment 2 pieces XXXX. Again, no contract, account closed and equipment turned in with receipt on XXXX. 

On XXXX AFNI, Inc. reported to my credit reports that I owed {$430.00} past due to XXXX and it was now in collections. Creditor # XXXX and AFNI Account # XXXX. I immediately disputed and provided proof of account termination and equipment return with receipt, AFNI removed the collection action from my credit report. 

XX/XX/XXXX, XXXX XXXX  now reports the same amount {$430.00} on my credit report as being owed to XXXX and they are now initiating a new collection action, seemingly starting the entire process over again, just using a different Credit Collection Company, XXXX  now AFNI before. I've disputed with XXXX  and they have not provided detailed billing and debt information as requested, and AFNI did not either. Both have simply said they have " certified '' that the debt is owed and only provide a summary of current balance owed, no detailed debt with dates of what the debt is and was, and I continue to maintain the account was paid in full, current at the time of cancellation and equipment turn in. It is my belief, all alleged debt is for date after XXXX when the account was cancelled and equipment turned in, wrongfully charged for which I've disputed and have not been provided any proof of debt with dates and description. 

This looks and feels predatory and/or fraudulent in practice. 

With that said, my son was attending the University XXXX XXXX XXXX, renting a house, and I paid for the XXXX account via auto-pay each month, no contract, just month to month for nearly 2 years. When he graduated, we terminated the account and returned the equipment, with proof of receipt at the time. Months later, AFNI dinged my credit report with a past due collections, apparently on behalf of XXXX. I immediately disputed and provided proof of closing the account and returning the equipment, that was the last I heard of it, and the derogatory hit on my credit report by AFNI was removed. Months later, I get a notice that XXXX XXXX is now saying it has a past due account and in collections for XXXX, its like the process started all over again but with a different collection company, related or affiliated to AFNI I have no idea, but it seems " fishy, '' and predatory to me in my experience. 

I want to contest and do whatever is necessary, within reason, to help stop this kind of predatory behavior on consumers. 

I've attached a copy of my credit report, XXXX XXXX and a copy of my prior dispute with AFNI. 

Is this a matter for which you represent, albeit small, and what would you charge to dispute and take whatever other appropriate action necessary?

Company response to consumer: Closed with explanation