Consumer complaint received 2017-05-25
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To whom   it may concern, A blight is on my credit and yet the verification is simply a years billing no proof of contract nothing.
The existence of a bill does not verify the debt.
The issue with them is not resolved it is about Monthly billing fee is not the {$49.00} promised. But somewhere around {$69.00} monthly. They asked me to lock in a 2-year contract for a higher some and I refused repeatedly saying I would shop for a {$50.00} affordable plan if it went up not pay more to lock in a price.     the fraudulent billing of my bank account ( They promised to just run a {$1.00} in verification we had accounts and were credit worthy not take a {$99.00} fee we still do not know what is for because they never said and we were promised free set up and installation. ( found fraudulent and returned by the bank. ) ) ****See the bank letter. They later found it fraud and returned the money but we had to close the account because they could not guarantee it not happening again.   and lastly the length of terms in the face of the incorrect monthly billing. I see no contract that says they can bill me for a year. Nor did I agree to   one at all. I said no to the 2 year and said no repeatedly to any contracts.
When they recorded the transaction, I interrupted the recording to say the cost, the promised free set up, and that they would only charge a $   XXXX   to the account which all should have been recorded. Those are the things I insisted on saying instead just saying yes to the recorded questions which did not include those details. I inserted the offered costs and promises.
They kept the rights to the collection but hired an outside agency to collect this last year which I served certified mail on with these facts and my evidences. They then sent a letter through that collection agency AFNI they were done withdrawing and removing from my credit. Problem solved co  rrect? No now they hired a different agency still working for them  XXXX  and were starting all over again like I never disputed or sent proof or complained or discussed. If they representative says there done, then it should be done this is in of itself its own abuse.   Essential point they are being taken to small claims court we are done. in the meantime, the debt is indeed not verified they have not verified any agreement to cost or length of service. Therefore, I am once again writing to you the credit reporting agencies remove this fraud or be included in the suit. You are responsible to the people you are reporting on not just to take the word of the companies reporting. I am including proof they were held liable for fraudulent b  illing in the State of Florida therefore making it clear to you, the reporting agencies, you can not rely on their word to report on my credit. Otherwise you are culpable with them for any harm done.
Proof again of the fraud on the bank account, the liability in the state of Florida, and emails to them trying to discuss this is included. They never had a manager contact me or discuss this.

Company response to consumer: Closed with explanation