Total CFPB complaints
4,343
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 4,343 complaints
AFNI INC. — Debt Collector Complaint Profile
CFPB complaint profile across 52 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about AFNI INC.
- Attempts to collect debt not owed
Attempts to collect debt not owed
1,593 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
895 complaints
- Written notification about debt 600
Written notification about debt
600 complaints
- Disclosure verification of debt 255
Disclosure verification of debt
255 complaints
- False statements or representation 248
False statements or representation
248 complaints
- Took or threatened to take negative or legal action 120
Took or threatened to take negative or legal action
120 complaints
D
Grade D · 57.2/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about AFNI INC.?
AFNI INC. has accumulated 4,343 total CFPB complaints across 52 states, with 79 filed in the most recent 12 months against 4,264 historical complaints before that window. The trailing-12-month volume represents 1.8% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 12% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 52 states, led by Florida with 520 and California with 518, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.2/100 places AFNI INC. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
79
1.8% of total history
Rising ↑
States active
52
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
12%
After company response
Reputation grade
D
57.2/100 composite
Response-quality profile
How AFNI INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 24.8%
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?
AFNI INC. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-03 2026-03
Top Consumer Issues
Attempts to collect debt not owed1,593 (%)
Cont'd attempts collect debt not owed895 (%)
Written notification about debt600 (%)
Disclosure verification of debt255 (%)
False statements or representation248 (%)
Took or threatened to take negative or legal action120 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 957 |
| Cont'd attempts collect debt not owed | Debt is not mine | 640 |
| Written notification about debt | Didn't receive enough information to verify debt | 431 |
| Attempts to collect debt not owed | Debt was result of identity theft | 400 |
| Cont'd attempts collect debt not owed | Debt was paid | 255 |
| Disclosure verification of debt | Not given enough info to verify debt | 255 |
| False statements or representation | Attempted to collect wrong amount | 248 |
| Attempts to collect debt not owed | Debt was paid | 236 |
| Written notification about debt | Didn't receive notice of right to dispute | 169 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 120 |
Where do complaints against AFNI INC. come from?
The states where consumers have filed the most CFPB complaints against AFNI INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against AFNI INC.
Across 52 states with at least one filing
- Florida
Florida
520 complaints
- California
California
518 complaints
- Texas
Texas
490 complaints
- Georgia
Georgia
376 complaints
- Illinois
Illinois
210 complaints
- New York 182
New York
182 complaints
- Michigan 147
Michigan
147 complaints
- Ohio 121
Ohio
121 complaints
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 4,343 complaints filed with the CFPB.
Are complaints against AFNI INC. increasing or decreasing? ▼
Complaints against AFNI INC. are rising. The company received 79 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is AFNI INC.'s reputation grade? ▼
AFNI INC. has a reputation grade of D (score: 57.2/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (520 complaints).
What can I do if AFNI INC. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If AFNI INC. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |