Consumer complaint received 2018-11-04
Company: AFNI INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I come to XXXX every XXXX to run a festival. This year, I got into a car accident 2 days before I was due to come back to North Carolina. I didn't have insurance on the vehicle I was driving. I own the vehicle but it sits at a friend 's house all year long while I'm gone. When I got back, we were in the middle of going through the hurricanes out here and my husband was super busy with school in the military and wanted me to wait to call our insurance back until he could be with me so I didn't say the wrong thing. When I did call, they didn't call me back. We called the adjuster 3 times. Our insurance ended up sending us two letters, exactly the same, one to him and one to me, stating that they weren't paying for anything due to the fact that I didn't have insurance on my vehicle in WA. The other gentleman was getting the payout and that I needed to contact his insurance. Here 's where it's convoluted. While on the scene, WA law states that you must get off the road if your car is drivable - we were sitting in the carpool lane of 5 lanes almost under XXXX headed XXXX on XXXX. There were 2 people in the car even though they claim there were 4 to their insurance. The driver refused to talk to me and said he would not move his vehicle out of the carpool lane even though I stated multiple times that we needed to stop blocking all lanes of rush hour traffic. The other gentleman kept trying to get me to get away from their vehicle and go back to mine. The driver of the vehicle, while I was trying to talk him into moving to the opposite side of the road tried to slam my head in the door getting back into his vehicle but clearly stated he wasn't going to move. An unmarked car showed up and helped us move across the road to the other side where we sat until a state patrolman showed up. The patrolman made sure we had exchanged ID 's and Insurance cards via photographs. The patrolman states that he could not take a report because no one was hurt and there was basically no damage to the vehicles. Mine is a huge XXXX and his is a new smallish SUV. My bumper is basically too high to make any mark on the bumper of the their vehicle and the officer was siding with me so the guy said I'm late for a concert and I got ta go and left the scene. The officer then went and checked on my son in the truck whom said his stomach hurt and the officer said it was probably just from the seat belt locking from my old truck. He asked if I had damages and I said no. 

We've tried calling XXXX sporadically ( the other guys insurance ), again due to the hurricanes, but they wouldn't call us back either. Now I receive a paper in the mail on Friday, XX/XX/XXXX dated XX/XX/XXXX from AFNI Subrogation Dept claiming they are collections for XXXX and that my license will be revoked and I also won't be able to register any vehicles anymore. I looked up AFNI Subrogation Dept on the internet and there is a slew of fraud cases about them. One thing I found is that they will put on your credit report the first instance with the original complainant ( XXXX ) and then come back later and do it again with themselves ( AFNI ) ultimately charging you twice for the same thing. Another thing I've found is that they don't put on the paperwork anything about the vehicles in the accident. Another thing I've found is that they prefer your checking account info for payments. They have a habit of being beligerant towards people when calling and we've experienced this ourselves. They also can not get my name correct. XXXX ( the other gentleman 's company ) even though they have a copy of my info in two forms, has my name incorrect, AFNI has my name a different way but also incorrect as well. And this major thing that I've found where I talk about the 6 days to act above is this complaint from the internet that mimics mine a lot among many others where they say : " My wife and I received a letter from " XXXX XXXX XXXX Subrogation Department '' claiming that we had caused a car accident on XX/XX/XXXX and we were responsible for damages totaling {$2500.00}! I asked them why we had not received a police report and why we are getting a bill through the mail in such a manner and they had told me that they are in the process of ordering the police report. We received the letter XX/XX/XXXX, two months after this purported accident. I interrupted the first agent I spoke with and said I would like to go on record as declaring that this was a fraud and she said she would put that on file and hung up. Interesting! Second agent I spoke to was a man and he became belligerent with me as I recorded his conversation and told me he would recommend I be quiet or else he was going to file suit against me and contact the state to suspend my driving privileges. He told me never to call back again and he also hung up on me. I called a third time and spoke with another female agent and I requested to speak with the manager or supervisor. I recorded my message with " XXXX '' the supervisor and am waiting for her response. I will record her conversation if she dares to call me back. AFNI is a well know fraudulent company and the best thing you can do is do not contact them, instead contact the XXXX XXXX XXXX or the Federal Trade Commission. They will direct you towards the next step. Usually you will have to send a letter to the fraudulent company seeking legitimate documentation within 30 days. You must also contact your local and state governments by contacting the mayor, or governor and filing a report with them. '' My car accident date : XX/XX/XXXX Amount of claim : {$1600.00} Actions Taken : We called both insurance companies sporadically but neither of them responded to our voicemails.

Company response to consumer: Closed with explanation