Debt collection -- Threatened to contact someone or share information improperly -- Complaint #16977499
Complaint Overview
Complaint ID: 16977499
Company: Afni INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-Issue: Contacted you after you asked them to stop
State: Nebraska
ZIP Code: 681XX
Date Received: 2025-11-02T12:00:00-05:00
Date Sent to Company: 2025-11-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received multiple letters and frequent phone calls from AFNI regarding a subrogation claim for a XXXX XXXX policyholder named XXXX XXXX XXXX, dated XX/XX/year>. AFNI claims I owe {$3700.00} for damages and says its not a debt but a XXXX XXXX because I was uninsured at the time. I mailed certified dispute and cease-contact letters to AFNI, but they never replied directly. Despite receiving and acknowledging my letters, they continued to call me twice daily on weekdays. When I answered, an AFNI representative said my letter means nothing and that I must pay anyway. Recently, I received another letter dated XX/XX/year>, repeating the same amount and offering a discounted payment of {$1800.00}. The amount of the alleged claim has not changed since the first notice. I believe XXXX conduct violates consumer protection rules by continuing to call after being told to stop and by using misleading communication about the nature of the claim. I want the CFPB to review their actions and ensure they stop contacting me by phone.
Frequently Asked Questions
What is Complaint #16977499 about?
Complaint #16977499 was filed against Afni INC. regarding Debt collection specifically about Threatened to contact someone or share information improperly. It was received by the CFPB on 2025-11-02T12:00:00-05:00.
How did Afni INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Afni INC.?
Yes, visit the Afni INC. company profile at readthecomplaint.com/company/afni-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.