Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: GA

Complaint narrative:
I am filing a formal complaint regarding collection practices being conducted by AFNI on behalf of XXXX XXXX XXXX in connection with an alleged debt of approximately {$3900.00} arising from an XX/XX/XXXX automobile accident. AFNI has contacted me attempting to collect this alleged debt despite the fact that I dispute personal liability. At the time of the incident, I was operating a company-owned vehicle within the scope of my employment. No documentation has been provided establishing that I am personally responsible for this debt, nor has AFNI provided sufficient validation of the claim. AFNI has engaged in aggressive and coercive collection tactics, including pressuring me into providing payment information and implying that failure to pay could result in suspension of my drivers license and registration. These statements were presented in a manner intended to induce payment without proper validation and may be misleading regarding the actual legal process required for license suspension in Georgia. To date, neither AFNI nor XXXX XXXX has provided : - Proof of my personal legal liability - Full validation of the debt - Detailed documentation of damages and payments - Proper legal basis for subrogation against me individually - Clear explanation of why employer liability does not apply This conduct raises serious concerns under the Fair Debt Collection Practices Act ( FDCPA ), including : - Attempting to collect a disputed debt without proper validation - Use of misleading or coercive representations - Improper pressure tactics to obtain payment information I formally dispute this debt and have requested validation in writing. Despite this, AFNI continues collection activity without adequate proof of liability. Requested resolution : 1. Immediate cessation of all collection activity until proper validation is provided 2. Full written verification of the alleged debt and legal basis for personal liability 3. Review of AFNIs collection conduct for compliance with federal and state law 4. Correction or withdrawal of any improper payment authorization obtained under pressure 5. Closure of this matter if validation can not be provided I request written confirmation of the outcome of this complaint. -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX AFNI Attn : Collections/ Subrogation Department RE : FORMAL DISPUTE OF ALLEGED DEBT / DEMAND FOR VALIDATION Original Creditor : State Farm Insurance To Whom It May Concern, I am writing in response to your attempt to collect an alleged debt in the amount of approximately {$3900.00} related to an automobile accident occurring in XX/XX/XXXX, which you claim is being pursued on behalf of XXXX XXXX XXXX. This letter serves as a formal dispute of the alleged debt in its entirety. I do not acknowledge any personal liability for this claim. At the time of the incident, I was operating a company-owned vehicle within the scope of my employment. Any liability arising from this incident must be directed to the appropriate corporate entity and/or applicable insurance carrier. You have provided no documentation establishing that I am personally liable for this debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand full validation of this alleged debt, including : XXXX. Complete documentation establishing my personal legal liability for this claim XXXX. Full accident report and liability determination relied upon XXXX. Itemized proof of damages, payments, and repair invoices XXXX. Documentation showing AFNIs authority to collect this debt on behalf of XXXX XXXX XXXX. Copies of any applicable insurance coverage determinations, including denial rationale XXXX. Proof that all collection activity complies with Georgia law and federal consumer protection statutes Additionally, I am formally revoking any authorization for electronic payment previously obtained and expressly instruct that no debit card, credit card, or bank account information may be used for any payment or charge. I also demand that all communication cease via telephone. All future communication must be conducted strictly in writing. Any attempt to collect this debt without proper validation, or any continued coercive or misleading representations ( including threats regarding license suspension without judicial action ), will be documented and reported to appropriate regulatory authorities. This matter is formally disputed. Until full validation is provided, all collection activity must cease. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation