This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 4,370 complaints

Afni Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 52 states, reputation grade D.

Complaints by issue type

What consumers report about Afni Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record afni-inc Afni Inc.

Grade D · 4,370 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #40 · compose #191

  • VOL 4,370
  • GRADE D
  • 12MO 87
  • STATES 52
  • TIMELY 100%
  • DISPUTE 12%
  • ISSUE Attempts to collect debt n…
  • RANK #40
  • COMPOSE #191

Volume peers

Nearest volume peer: Harris & Harris, Ltd. (4,346 complaints)

TrueAccord Corp.TrueAccord Corp.4,343Harris & Harris, Ltd.Harris & Harris, Ltd.4,346Afni Inc. (this)Afni Inc. (this)4,370Affirm Holdings, IncAffirm Holdings, Inc4,401Aldous & Associates, PLLCAldous & Associates, PLLC4,480
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Afni Inc.'s 4,370 CFPB complaints sit next to Harris & Harris, Ltd. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 4,370 complaints break down

Every complaint issue type on record for Afni Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
54.0/100
Afni Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
4,370
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
12%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

Afni Inc. spreads filings across 52 states - Florida leads at only 11.9%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
Florida still leads at 11.9% across 52 states
Seasonal peak
2025-12 8.4%
8–15% band · 180 filings
Corpus ranks
#40 volume
#191 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Afni Inc. compare to its peers?

How does AFNI INC. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
AFNI INC. National average
Complaints (last 12 mo)lower is better
87
2,360
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
12%
15%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Afni Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 97.5%98%98.5%99%99.5%100%100.5% 10%15%20%25% Timely response rate (%) Dispute rate (%) Afni Inc. vs. 9 similar-volume peers, by response speed and dispute rate Afni Inc.Harris & Harris, Ltd.TrueAccord Corp.Aldous & Associates, PLLCDiversified Consultants, Inc.NAVY FEDERAL CREDIT UNIONNCB Management Services Inc.Amsher Collection Services, Inc.Navient Solutions, LLC.CAVALRY INVESTMENTS, LLC
Source: CFPB Consumer Complaint Database

Afni Inc.'s complaint volume in context

Afni Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

4,370 Top 1% higher than 99% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Afni Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
1,643
Cont'd attempts collect debt not owed
1,016
Written notification about debt
607
Disclosure verification of debt
347
False statements or representation
308
Communication tactics
223
Took or threatened to take negative or legal action
147
Improper contact or sharing of info
35
Threatened to contact someone or share information improperly
27
Taking/threatening an illegal action
15

Where do complaints against Afni Inc. come from?

Afni Inc.'s own per-state count, not a national baseline.

Top states by complaints against Afni Inc.

Across 52 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Afni Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 4,370.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 100%.

4 peers

Know your rights before responding to Afni Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.