CFPB Consumer Complaint Profile

Afni Inc.

What 4,989 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.

Data updated 2026-05-15

4,989
Total complaints
86
Last 12 months
100%
Timely response
54
States affected

The verdict

Afni Inc. ranks #106 of 3,848 financial companies by CFPB complaint volume, with 4,989 complaints on record. Its on-time response rate is 100%, ahead of the 93% median among companies with 100+ complaints.

#106
of 3,848 companies by volume
100%
answered on time
Debt collection
most-complained product
54
states with complaints
Afni Inc. timely response rate 100.0%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - Other debt 1,854
Debt collection - Other (i.e. phone, health club, etc.) 1,303
Debt collection - I do not know 928
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 564
Debt collection - Credit card debt 81
Debt collection - Telecommunications debt 64
Debt collection - Auto debt 45
Credit reporting 31
Credit reporting or other personal consumer reports - Credit reporting 28
Debt collection - Medical debt 23

Top Issues

1.Attempts to collect debt not owed 1,628
2.Cont'd attempts collect debt not owed 1,016
3.Written notification about debt 606
4.Incorrect information on your report 366
5.Disclosure verification of debt 348
6.False statements or representation 302
7.Communication tactics 221
8.Problem with a credit reporting company's investigation into an existing problem 144
9.Took or threatened to take negative or legal action 143
10.Improper use of your report 74

Complaints by Year

Year Complaints
2013 113
2014 313
2015 440
2016 527
2017 686
2018 455
2019 285
2020 602
2021 666
2022 428
2023 304
2024 61
2025 88
2026 21

Complaints by State (Top 15)

Florida 616
California 561
Texas 560
Georgia 458
Illinois 246
New York 202
Michigan 179
Tennessee 142
Ohio 136
Pennsylvania 135
North Carolina 127
Louisiana 117
Arizona 113
New Jersey 104
Virginia 94

Company Responses

Closed with explanation 4,978
Closed 7
Closed with monetary relief 2
Closed with non-monetary relief 2

What the CFPB Complaint Record Shows for Afni Inc.

The CFPB Consumer Complaint Database has logged 4,989 complaints against Afni Inc. overall, with 86 of those filed in the trailing 12 months. Reports have come from consumers in 54 states and territories, making this a nationwide complaint footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.

Within the Bureau's 15-day response window, Afni Inc. answers 100% of forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. In 12.3% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 0.1% closed with the consumer receiving monetary or non-monetary relief.

How to read complaint counts

Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does Afni Inc. have?

4,989 complaints have been filed against Afni Inc. with the CFPB overall - 86 of them in the past year.

Does Afni Inc. respond to complaints on time?

Afni Inc.'s CFPB timely-response rate is 100%. This is considered excellent.

What product generates the most complaints for Afni Inc.?

The most complained-about product for Afni Inc. is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with Afni Inc.?

Consumers most often cite "Attempts to collect debt not owed" when complaining about Afni Inc.; the full issue list with counts is above.

How do I file a complaint against Afni Inc.?

You can file a complaint against Afni Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about Afni Inc.?

The CFPB has recorded complaints against Afni Inc. from 54 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.