- Report: #230256
Complaint Review: Afni - Bloomington Illinois
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Afni
PO Box 3427 Bloomington, 61702 Illinois, U.S.A.
Phone:
866-308-1160
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Afni, Collection Agency Fraud Bloomington Illinois
I received a collection notice in my mom's name, but at my house for a debt of $3,750 to Verizon Communications. It was for a number neither one of us had, and what's weird is my mom has no linkage to my address besides one line of credit she cosigned for me. I have no idea what's going on.
Before we realized it was a scam, we spoke with Afni and they said it was for a number way back in 1995, but we live in an area code that was created in 1997!!! Verizon has no records (of course!) and Afni has a 60 something minute wait every time I call. I think they're trying to scare people away with the wait time.
I thought about writing them like some of these stories say, but what's the point they probably won't answer. We just want to find out how they knew to send her mail to my house, and if someone is using her identity. It might be an inside source releasing information. There's only one way they could think she lived at my address and it's through Care Credit. Does anyone else who has fallen victim to this happen to have Care Credit?? All suggestions welcome. :) Thanks
Melissa
Bellflower, California
U.S.A.
Before we realized it was a scam, we spoke with Afni and they said it was for a number way back in 1995, but we live in an area code that was created in 1997!!! Verizon has no records (of course!) and Afni has a 60 something minute wait every time I call. I think they're trying to scare people away with the wait time.
I thought about writing them like some of these stories say, but what's the point they probably won't answer. We just want to find out how they knew to send her mail to my house, and if someone is using her identity. It might be an inside source releasing information. There's only one way they could think she lived at my address and it's through Care Credit. Does anyone else who has fallen victim to this happen to have Care Credit?? All suggestions welcome. :) Thanks
Melissa
Bellflower, California
U.S.A.
5 Updates & Rebuttals
J
Lakewood,Ohio,
U.S.A.
SOL in Ca.
#2Consumer Suggestion
Sun, January 14, 2007
The statute of limitation in Ca: open account:2 years (no writing) open account:4 years (reduce to writing) written cintract: 4 years
Bob
Brandon,Florida,
U.S.A.
The SOL on collections
#3Consumer Comment
Sun, January 14, 2007
What are the SOL on debt that collectors have.
P
Dallas,Texas,
U.S.A.
TELL THEM TO VALIDATE AND IT IS OUT OF SOL
#4Consumer Suggestion
Sat, January 13, 2007
Steve, Don and J will belong shortly to give specifics but in the mean time .... 1. don't talk to them 2. send them a CERTIFIED letter * DO NOT SIGN THE LETTER - JUST TYPE YOUR NAME * Put the certification number on the letter and also get a return receipt * Tell them that first: - The debt has exceeded the SOL - This is not your debt nor your mothers debt - and they need to VALIDATE the debt The company may have re-aged the acccount so be aware of this, however, since it is NOT your debt the problem should stop there. This is what the validation process will/should prove. There are numerous posts on this company on this site. Do a search using the company's name and you can see you are in good company .... I also listed on several of the AFNI complaint postings detailed information regarding this company. If you don't find it in other postings let me know, I will repost.
Steve [Not A Lawyer]
Bradenton,Florida,
U.S.A.
Information for Melissa regarding that AFNI Collection
#5Consumer Suggestion
Sat, January 13, 2007
Melissa, First of all, Verizon is in no way involved here. These are JUNK DEBT BUYERS you are dealing with here who buy debts of this age and type for about 1/10th of a penny on the dollar. These are very old debts with little or no information on the original debtor. This is where the amateur skip tracers come in. They simply use public records and directories and send that collection letter to everyone with the same or similar name to the original debtor. They are fishing. For Nikki, as far as the credit report thing, that is only true if they have Melissa's SS#. You cannot access a credit report without a person's SS#. FYI..VERIZON was established in 2000. So any debt prior to that is automatically phony. Not to mention a 1995 debt being far past the SOL and totally uncollectable anyway. Stay off the phone, NEVER speak to any debt collector on the phone. Have some fun with these morons. Write a really foul reply on the bill, and put it in the payment envelope, but do not put a stamp or return address on it. Mark the lower left hand corner "attn: payments" and drop it in a big blue mailbox. Now these fools will stand in line, pay postage due only to get insulted and no money! You might as well waste some of their time and money just for satisfaction.
Nikki
Coconut Creek,Florida,
U.S.A.
How they have your address
#6Consumer Suggestion
Sat, January 13, 2007
Anytime you get credit, the credit company adds the address you applied with to your credit report. If your mother applied for Care Credit with your address, or on the co-signed loan, that's how it happened. Have her pull her credit reports and your address will probably be listed as a past address. She can dispute this as "never lived there".
