- Report: #1038992
Complaint Review: Afni Inc. - Internet
-
Author Not Confirmed
Why?
Afni Inc.
1310 Martin Luther King Drive P.O. Box 3427 61702-3427 Internet, United States of America
Phone:
(888) 804-2409
Web:
www.afnicollections.com
Categories:
Business Rating:
(0)
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Afni, Inc. DISCOUNTED PAYMENT OFFER REGARDING OVERDUE T-MOBILE ACCOUNT Internet
I got a letter in the mail from Afni, Inc., a collections agency stating it was regarding my overdue account with T-MOBILE. It stated my current balance of: $260.08,&Settlement Offer of: $50. It sounded good, I was about to drop my payment&payment stub in the mailbox, before I did I went on the internet to check out their website. Then that's when "RIPOFF REPORT" opened up on my page. I really was interested in finding out, "How can I really find out if it's a SCAM or not? When I was in High School I think I may have had an account with a cell phone company I dont remember which one or if my mom had payed my balance,&my mom cant remember either.
1 Updates & Rebuttals
Robert
Buffalo,New York,
You were in HS?
#2Consumer Comment
Fri, March 29, 2013
How can I really find out if it's a SCAM or not? When I was in High School I think I may have had an account with a cell phone company I dont remember which one or if my mom had payed my balance,&my mom cant remember either.
If your were under 18, you could not have a binding contract with them unless you were declared an emancipated minor by a court and you do not owe Tmobile any money and you cannot be forced to pay it.
If it was your mother's account (billed to her) you do not owe Tmobile any money-it's not your bill and you cannot be forced to pay it.
You need to go to the FTC website, www.ftc.gov and download three federal laws: Fair Debt Collection Practices Act, Fair Credit Billing Act, and the Fair Credit Reporting Act. These laws will tell you how to deal with any debt collector and what your legal recourse for violations.
