Report: #458185

Complaint Review: AFNI - Bloomington Illinois

9 Updates & Rebuttals

Reported By:

- Littleton, Colorado,

Submitted:

Updated:

Author Confirmed

Why?

AFNI

www.afnicollections.com Bloomington, 61702 Illinois, U.S.A.

Phone:

866-684-3221

Web:

N/A

Categories:

Collection Agency's

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AFNI Collection AFNI has not validated the debt. What now? Bloomington Illinois

*Consumer Suggestion: Sue them.

*Consumer Comment: re:

*Consumer Comment: These responders are right

*Author of original report: Thanks

AFNI Collections are a scam. They will damage your credit report without giving you proof of debt. I think I've covered ALL of my basis with AFNI. They requested I pay on an account I never had. I sent them a certified letter to validate the debt or remove off my credit report. They answered with a generic printout that doesn't even match the amount they claim I owe. I sent them another certified letter demanding that the remove the debt from my credit report otherwise they were in violation under the Fair Credit Reporting Act. They again responded with the same generic printout. It's been 2 1/2 months since my first correspondence with them and I am ready file a claim now in small claims court for the maximum allowed fine of $1,000. The problem is that I am in Denver Colorado, they are in Illinois. What do I do?

Bee

Littleton, Colorado

U.S.A.

Click Here to read other Ripoff Reports on AFNI

9 Updates & Rebuttals

Bee

Littleton,
Colorado,
U.S.A.

Thanks

#2Author of original report

Tue, June 09, 2009

Thanks everyone for the suggestions. I do have all my ducks in a row, so yes all the correspodence was sent via certified mail WITH return receipt. I did file a complaint with the attorney general's office in Illinois as well as in Colorado. I'm not sure what will come of that though. I'll start looking up some attorneys now. Thanks again

Bee

Littleton,
Colorado,
U.S.A.

Thanks

#3Author of original report

Tue, June 09, 2009

Bee

Littleton,
Colorado,
U.S.A.

Thanks

#4Author of original report

Tue, June 09, 2009

Stacey

Dallas,
Texas,
U.S.A.

These responders are right

#5Consumer Comment

Mon, June 08, 2009

My question is when you sent the certified letter did you do it with return receipt requested? Did you keep copies - These are important pieces to take to court Been there done that - In the State of Texas the Secretary of State requires that all debt collector must have a surety bond on file - if they do not, they cannot collect Check with your State to see if it is required for that is a BIG plus for you in court Good luck and take these scum bags down visit www.budhibbs.com for more information

John

Louisville,
Kentucky,
U.S.A.

re:

#6Consumer Comment

Sun, June 07, 2009

AFNI is located in Illinois: File official complaints with the Attorney General (Lisa Madigan) of Illinois and the BBB. Attorney General Lisa Madigan 500 South Second Street Springfield, IL 62706 BBB of Central Illinois Email: [email protected] Phone: (309) 688-3741 ================================= If this does not work all you can do is sue them for FCRA violations.

Robert

Buffalo,
New York,
U.S.A.

Sue them.

#7Consumer Suggestion

Sat, June 06, 2009

Hire an attorney and sue them in District Court in Denver. District court can award actual damages, statutory damages up to $1000, and reasonable attorney fees. You shouldn't have any trouble finding an attorney to handle this for you -it's easy money for both of you.

Robert

Buffalo,
New York,
U.S.A.