What is the most common complaint against Afni Inc.?

The most common issue consumers report about Afni Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 4,370 complaints filed with the CFPB.

Are complaints against Afni Inc. increasing or decreasing?

Complaints against Afni Inc. are falling. The company received 87 complaints in the last 12 months, showing improvement over prior periods.

What is Afni Inc.'s reputation grade?

Afni Inc. has a reputation grade of D (score: 54.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Afni Inc. respond to consumer complaints?

Afni Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 12% of cases.

In how many states does Afni Inc. operate?

Afni Inc. has received CFPB complaints from consumers in 52 states, with the most complaints from Florida (522 complaints).

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

Afni Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 52 states, reputation grade D.

Compiled by PlainCollector

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

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 #3537

VOL 4,370
GRADE D
12MO 87
STATES 52
TIMELY 100%
DISPUTE 12%
ISSUE Attempts to collect debt n…
RANK #40
COMPOSE #3,537

Volume peers

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

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 →

Distributed filing map

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

Despite a broad state map, Afni Inc. still sits volume #40 against composite #3,537 - the two RankMaps diverge by 3,497 places. 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
Divergent corpus ranks: #40 volume; #3,537 composite; Cleanest-composite ladder is 3,497 places worse than volume

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

2,360

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

12%

15%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Florida

522
California

521
Texas

491
Georgia

377
Illinois

211
New York

182
Michigan

147
Ohio

121

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.