ComplaintsforAffinity Credit Solutions

• Initial Complaint

  07/12/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I was sent to collections by AMA, they did not notify me of this because I moved and changed my phone number, which is understandable. I have zero complaints with AMA. My complaint is with affinity credit solutions. They sent me a demand to pay IMMEDIATELY or face a stain on my credit for 7 years, or 2029. They gave me zero notice to pay the balance. ZERO. How could they? They didn't have my phone number or address. BUT they had my email. And I did not receive any heads-up, or a willingness to work with me to resolve the solution. The specific agent I dealt with was *** *********. She sent me a demand letter on November 29th 2023, stating that if the balance of $538.19 is owing and is due on November 29th 2023 (The SAME DAY) or they would report it to the credit bureau. So, with zero notice, I've been reported to the bureau with a stain on my credit for 7 years because they are so obtuse, they couldn't even work with me to get it paid off. I asked for a two week extension in my emailed reply, and they never responded to my email. Simply just followed up with ANOTHER rude email, attempting to intimidate me into paying a bill I had no idea had went to collections. Yes, I forgot about a bill, and it went to collections, but I've never worked with a business that wasn't able to try and understand that I've had zero notice about the is collections bill, and then work with me to resolve the issue BEFORE it gets reported. I would have LOVED the opportunity to pay the damn bill, or at least negotiate some time to pay considering they gave me ZERO days notice.

  Customer response

  20/12/2023

  Hey this complaint has been resolved.

• Initial Complaint

  09/01/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Spoke to your agent *** on 28 Oct./22 when it came to my attention there was an issue with my credit rating! Called AMA to inquire. They advised it could’ve due to their transfer of info. to a new system. It was dealt with on the 28th Oct./22. They advised new info. would be sent with Oct./22 “batch” to Affinity. I also sent a copy to *** that day and sent 2 inquiries that day to *** to confirm receipt. No response. Not to mention my phone contact has been the same for over 20 yrs. Today 09 Jan./23 I found out there has been no action by Affinity to update the error! And this year all ******* is all automated! Oh joy! So, I found this on your website. Maybe now it will get actioned???!!!

  

  Business response

  13/01/2023

  On August 24, 2017 you emailed us wanting to know why your account was sent to collection. Our agent directed you to contact AMA regarding your debt for the amount of $256.16. You did not respond further until October 2022.
  
  On October 28, 2022 you called and spoke to our agent *** and stated that you were declined for a utility account due to this collection item. The agent was helpful and answered all of your questions and concerns regarding AMA and your previous communications with them.  She advised you that the account remained unpaid and you said you would contact AMA and call us back. She confirmed your email address and she agreed to send you an email with her contact information. After the email was sent, she left you a phone message and email the same afternoon requesting your new mailing address to send you a notice, however there is no record that this was provided to her. 
  
  You paid AMA directly with a credit card later on the same date of October 28, 2022 and forwarded the receipt to us for confirmation. We posted the payment to your account the same day and subsequently reported your account to ******* and ********** as paid in full. Our reporting is submitted on the 15th of each month therefore this was sent on November 15th, 2022 and can be expected to updated by the bureaus within 45-60 days from the date of reporting. 

• Initial Complaint

  09/02/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  They called and told me I had until the end of the day to pay me debt or my credit rating would be harmed said they would email me details on how to make a payment never received a email apparently they let there employees go home early because I called well before closing and didn't get a answer to my phonecall or messages

  

  Business response

  09/02/2022

  We have reviewed your communication with our agent. You called our office at 3:06pm February 8th, 2022 and the agent had advised you she would provide payment instructions by email. A check of our email server reflects the email was sent the same day at 3:13pm to the email address ***********************. Please check your spam folder.

  If you did not receive it call us  at ************** and we can provide you the instructions verbally or have it resent to your preferred email address. 

  Our call recording also reflects the agent asked if you could pay the account the same day; she did not state it would be reported to your credit record on that day. Your account is not scheduled to be reported to your credit bureau until February 27, 2022. If you pay the balance prior to this date it will not be reported. 

  ** **** **** ** ** ** ******* ********* *** *** **** **** ** ******* ***** **** **** ******** ****** ****** ****** ** ******** ** ***** 

• Initial Complaint

  10/12/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I was contacted and told to pay money by etransfer that day or have my credit damaged. I contacted the creditor direct, ***, and agreed to deal direct with them, also the amount being demanded with menacies by Affinty was more than 4 times what was owed. Yesterday, 8th Dec, was again given a final demand or my credit would be damaged. I replied and stated that I was dealing with *** direct and to stop threatening me. Another email arrived within an hour saying they knew of no arrangement and the debt had been registered against my credit burea and would remain active until 2027. On the 3rd Dec they already confirmed I was dealing direct with *** and so the actions taken are **** ********** resulting in my loss of credit. The person concerned at Affinity is as below: *** ********* *** * *** *** **** *** *** **** **** * * *** *** **** *** *** ******** ****** ********* **** ********* ****** ********* ******** *** *** *** ************ ****** ******** ********** *** **** ** **** ** *******

  

  Business response

  15/12/2021

  Mr. ******,

  
  We have reviewed this matter and have determined your complaint is invalid.

  
  We have confirmed with our client *** that you have not had any contact with them since August 2021. Your account was assigned by to Affinity Credit Solutions by *** in October 2021 due to non-payment and after multiple contacts with our agent you have not made any payment to date. The account has not yet been reported to your credit record.

  
  We will arrange to suspend collection activity until Monday January 17th, 2022 for you to contact our office ************** to pay the balance of your account. If it is not paid by that date, we will be reporting it as an unpaid collection item on your credit record.

  Customer response

  15/12/2021

  
  Complaint: ********
  
  I am rejecting this response because:

  The client deliberately threatened me with certain actions, then confirmed this had happened.

  You now say you have not reported the debt on my credit bureau, therefore this now becomes a case of extorting money with menaces by your staff member, please read her email to me again stating that she had reported to the credit agencies.

  At the least a letter of apology is appropriate
  
  Sincerely,
  
  ******** ******

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩