I recently received a letter in the mail from Afni Collection Agency regarding a supposed debt to a bank for a whopping $731.89. My eyes glanced down to the bottom of the statement and saw that they were willing to settle for half the amount. I thought to myself... The settlement amount was even outrageuos. I was really busy at the time, so I put it away for a later date when I could call them and find out what was going on.
I called Afni Collection Agency and "Eric" answered the phone. I kindly told him my account number on the bill, and the reason why I do not owe this insane amount of money. I went on to explain to him that I had a checking account with Charter One bank a year or so ago, and I had over-drawn my account by $7.00 and some change, and that I had another account that I frequented more often, so by the time I was aware that I had over-drawn the account, they had already incurred 4 fees of $35.
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