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

Data updated July 2026

D

Grade D · 57.2/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Afni Inc. ranks ahead of 32% of the 5,283 collectors PlainCollector grades - 68% keep a cleaner CFPB record, on 4,370 all-time complaints and a 100% timely-response rate.

32nd pct
reputation rank of 5,283 graded collectors
4,370
CFPB complaints, all-time
100%
answered inside the CFPB window
87
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Afni Inc.?

Afni Inc. has accumulated 4,370 total CFPB complaints across 52 states, with 87 filed in the most recent 12 months against 4,283 historical complaints before that window. The trailing-12-month volume represents 2.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 100% timely-response rate against a 12% consumer-dispute-after-response rate.

Complaints have been recorded across 52 states, led by Florida with 522 and California with 521. Normalized against the full CFPB collector database, the reputation score of 57.2/100 places Afni Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

4,370

high-volume (CCDB)

Last 12 months

87

2.0% of all-time complaints

Falling ↓

States active

52

nationwide footprint

Timely response rate

100%

excellent band

Consumer disputes

12%

average (vertical avg ~19%)

Reputation grade

D

57.2/100 composite

How does Afni Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

57 32nd percentile higher than 32% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Afni Inc. versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 12.4%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 92.9%

Share of US states + territories with at least one filed complaint against this collector.

How does Afni Inc. compare to its peers?

How does AFNI INC. compare? Versus a similar-volume peer and the national average, 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.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if Afni Inc. contacts you

A grade of D signals how Afni Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Afni Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Afni Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 57.2/100), 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).

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

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.