Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: TX

Complaint narrative:
I was unintentional to the fact that my XXXX insurance policy was being canceled on XX/XX/XXXX. At this time I suffered from various illness without successful treatment, diagnosis 's, or tolerable maintenance of day to day : normal functioning. 
Due to various doctors ; as well as specialist, that were continually unable to diagnose ; let alone treat or even aliviate my daily debilitating symptoms I suffered from, life became a day to day achievement to accomplish simple daily or work task. Clearly I was not equipped to prepare for, let alone physically or financially fight for my justice in this situation ... .initially. Now, Due to having my XXXX insurance packet ; which stated XX/XX/XXXX to XX/XX/XXXX I was left under the assumption that my insurance policy was still active upon the occurrence of the accident on XX/XX/XXXX and XXXX would handle the claim with Mr. XXXX as they typically do for all their clientele. This is when things started to go south. XX/XX/XXXX XXXX sent a letter acknowledging I made the claim against myself. And from there I thought the situation would be handled through the two insurance companies as they typically are. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX. It stated I needed to pay {$1300.00} otherwise the threatening ultimatems were listed on the document below such as : if I did not make the payment they would take me to court litigation and require me to not only cover my fees, but Mr. XXXX fees as well. Also threatened to have my wages garnished and bank accounts seized. I am a single mother on Public Assistance and even after explaining that to him stated well skip some bills, or borrow from your parents, you can not get a loan? At this point I was in uncharted territory and although I knew he wasn't performing his job to the best of his ability or even professionally, I was truly trying to to the right thing and pay back Mr. XXXX. That did not matter The agent forced me to pay two installments of XXXX $ within a 30 day period at that point he stated if I did not make the payment within the month he would then go forth with further retaliation. He basically continually verbally implying that I needed to make this payment today or else I would have serious financial repercussions to follow. On XX/XX/XXXX I paid {$900.00} to the company AFNI. As the agent forced me to agree to have to again on XX/XX/XXXX pay another {$900.00} to which it was then claimed to be paid in full to AFNI for Mr. XXXX. 
HOWEVER, the issues mainly arise with 1. the two year statute from the day of accident. ( I'm not too knowledgeable on this criterion ), also the false threats to garnish my wages, take my car and home. On top of all this the price was initially stated to be XXXX $ by AFNI on the date I paid XXXX . The balance stated on the XX/XX/XXXX statement for the last {$900.00} payment stated the same damage to the vehicle and total owed was XXXX XXXX Now during this whole conversation I understand that XXXX $ + XXXX $ clearly already exceeds the damage total I was told I owed. I spoke with an XXXX representative about the case today he clearly explained how regardless if I was in a financial situation and unable to pay the damage total should've never continually climbed to a grand total of almost {$2000.00} when initially it was claimed to be XXXX XXXX So the fact that I am a single working mother I am enraged I was fully taken advantage of due to my ignorance of legalize. What made his actions even more unethical and unjust was his awarenesses of my situation ie : poverty level and being on public assistance he continually harassed me through phone calls and statements that if I did not pay I would have legal litigation come against that me that would of cost me more money in the long run. Potentially resulting in me losing my house and my car because he asked me the value of my vehicle. That's the situation, I would truly appreciate if you could help me or at least point me in the direction to someone who can. Thank You

Company response to consumer: Closed with explanation