Consumer complaint received 2022-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AFNI INC. (IA)

This is what I sent to AFNI , Inc after receiving their debt collection letter : I recently received your letter dated XXXX XXXX XXXX about an alleged XXXX XXXX debt totaling a staggering {$3900.00} that you and XXXX say Im responsible for. 
I do not owe this debt and will continue to object to anything remotely close to what your client tries to claim. Based on their letter ( attached ), youll note that my account was closed on XXXX XXXX XXXX and XX/XX/XXXX they put us on another plan on a line with XXXX usage that Ive requested be cancelled numerous times. They point out the amount remaining on our final device is {$390.00}. There should be NO other charges or connections to XXXX XXXX after this amount is paid. 
Your client failed to resolve several issues with our cellular lines and continued to charge us for lines we never activated and never had any usage on. Within the past four to six months, Ive talked to XXXX XXXX XXXX and Customer Service representatives multiple times pleading that they remove the three unused lines with XXXX resolution. I was in disbelief looking back at months of charges I wrongfully paid ( still have not received any reimbursement for amounts wrongly paid with our XXXX XXXX  bankruptcy ). Two letters to the bankruptcy department at XXXX and not even an acknowledgment. 
After 15 years of loyal service to XXXX, paying an average of $ XXXX, we were forced into a sudden right to cure ( attached ) which had no merit. Repeated attempts to figure this out with representatives and repeating myself over and over not only wastes time and money, but I have yet to receive an explaination for how we got these three lines! I would look at documents, receipts, and statements on my account, but I havent been able to access it since XXXX ( minus the one time I called XXXX XXXX to get my password reset, which was a one-time access code ). Maybe I could provide the proper documentation if XXXX would allow me access to my complete account, which seems nonsensical ; nevertheless I still have NO access to important statements, documents, or receipts because they have blocked my access. 
Also, why is it I canceled XXXX XXXX as of XXXX XXXX XXXX  yet I am charged through XX/XX/? Why is my XXXX XXXX XXXX locked and repeats the message Sorry you cant switch carriers right now? It is a paid off device as you can see from previous statements months ago. I can not use MY phone because XXXX locked itwhy? 
At any rate, I need all of the following information via postal mail : 1. The amount of the alleged debt, detailed and itemized line by line ; 2. Full name and mailing and contact address of the original creditor with the alleged debt ; 3. Documentation showing you have verified that I or we are responsible for this debt and why I havent received Bankruptcy relief for payments I made that you wrongfully requested and accepted ( included is list of creditors claimed and XXXX is highlighted ), and, 4. Documentation showing you, AFNI , Inc., are licensed to collect debts in Iowa. 
As Im writing to you within 30 days of being notified by your company about this alleged debt, kindly cease all collection activities until weve received the correct, requested information and XXXX suggested proposal for resolution. We will discuss options with our attorney and the Consumer Financial Protection Bureau. If you continue to collect on this alleged debt, or seek judgment for payment without first providing written verification, youll be in violation of the Fair Debt Collection Practices Act, which Im sure youre familiar with. 
Further, the alleged debt can not accrue any fees or interest beyond whats allowed by state law or contract with the original creditor. I will continue to accurately keep written record of any phone calls, messages, and correspondence from you and your client and without proper and just solution, I will report XXXX XXXX violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX 
I have disputed this debt. Therefore, until it is legally validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) , then you must at once inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly, violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without confirming this debt or offering resolution, I will inform the judge and request that a counter-claim or dismissal is just based on your failure to comply with the FDCPA. 
Finally, if AFNI , Inc. does not own this debt, I need a copy of this dispute sent to the original creditor immediately, so they are also aware that I dispute the debt in its entirety and am pursuing legal recourse. 
A fine start would include XXXX unlocking my XXXX phone. This was rightfully and justly moved to XXXX and weve yet to get it unlocked which is something you claim you never do. Representatives cant give me any information as to why this particular phone is locked when it was paid in full and moved XX/XX/XXXX. Again, the entire account was closed XX/XX/XXXX so why are we charged through XX/XX/XXXX? Im quite certain, after 15 years, we will be due refunds for amounts paid to XXXX under bankruptcy ill-practices and therefore, should apply towards the illegal charges you list in your letter with the remaining issued to me.