Rozlin Financial Group, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78704	Web
Dear Consumer Financial Protection Bureau : I'm filing a complaint against Rozlin Financial Group , Inc. ( RFGI ) with the mailing address of : XXXX XXXX XXXX XXXX, IL XXXX. RFGI is a debt-collection company. The contact there is XXXX XXXX. She may be reached at ( XXXX ) XXXX and/or XXXX. RFGI is attempting to collect a debt from me totaling {$510.00} on behalf of the online dating company, XXXX, with the address of : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX may be contacted at XXXX. I have disputed the alleged debt in writing through email communication with XXXX and RFGI. Both have denied in writing by email communication my assertion that I do not owe XXXX any money. Below is the letter I sent this morning to RFGI contesting the debt : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, IL XXXX Dear RFGI : Thank you for your XX/XX/XXXX email informing me that you are attempting to collect a debt on behalf of XXXX totaling {$510.00}. Please accept this letter as a formal dispute of that debt. Please note I am replying prior to the XX/XX/XXXX deadline you stated in your XX/XX/XXXX email. Im writing you to inform you that I do not owe XXXX any debt as outlined in your XX/XX/XXXX email with the reference number : XXXX. The address you listed for me is inaccurate. In your XX/XX/XXXX email, you list my address as : XXXX. I have not resided at that address since prior to XXXX XXXX, XXXX. No credit card or banking information that is mine has listed that address as my billing and mailing address since I moved on XXXX XXXX, XXXX, to my current address : XXXX. Why was/is XXXX permitted to charge me {$510.00} when I did not authorize this charge, and when the billing information that RFGI and, apparently, XXXX possesses is incorrect? As stated above, I did not authorize this charge to my credit card. My bank, XXXX XXXX, informed me by email on XXXX XXXX, XXXX, that it had detected some unusual activity on your XXXX XXXX Credit Card ending in XXXX. XXXX XXXX automatically declined the charge totaling {$510.00}. I have attached a PDF of the email I received from XXXX XXXX regarding this incident. I contacted XXXX XXXX and reported the fraudulent charge. XXXX XXXX canceled that credit card and issued me a new one. To further ensure that XXXX no longer could charge my credit card without my authorization, I accessed my XXXX account for the first time in roughly 11 months. At that time, I observed that the company still listed me as a subscribing member despite me not signing up for membership continuation nor receiving any notice from XXXX that the company would be charging me any amount without my authorization. I canceled my membership to halt the automatic renewal the company was/is attempting to force upon me and charge me for without my authorization. I explained this situation to XXXX XXXX and the bank agreed this constituted a fraudulent charge perpetrated by XXXX. XXXX then obtained my replacement XXXX XXXX credit card information and charged the replacement card {$510.00}. I notified XXXX XXXX of this second fraudulent charge by XXXX. XXXX XXXX declined the charge and issued me another replacement card. XXXX XXXX informed me that the bank would block further attempts by XXXX to charge my credit card. At this point, I understood the matter to be resolved. But on XXXX XXXX, I received an email from XXXX stating that the company had sent me a payment reminder on XX/XX/XXXX. I did not receive that XXXX XXXX email or any other email or communication from XXXX. Otherwise, I would have immediately disputed the charge, as I did on XXXX XXXX. I replied on XXXX XXXX to XXXX informing the company that I did not owe XXXX any money. I stated that XXXX XXXX agreed that XXXX twice had attempted to fraudulently charge me and twice issued me a new card, so XXXX could not continue to charge me without my authorization. I also informed the company that I had canceled my membership. And I forwarded XXXX the attached XXXX XXXX email from XXXX XXXX alerting me of unusual activity on my credit card i.e., XXXX attempting to fraudulently charge me {$510.00}. XXXX on XX/XX/XXXX emailed me informing me that I had purchased a multi-payment subscription which still has 6 payments remaining. I replied to XXXX that same day, informing the company the following : I did not purchase " a multi-payment subscription. '' I did not approve the charge XXXX attempted to transact with my XXXX XXXX credit card. XXXX charged my card without my consent. This is why XXXX XXXX declined XXXX initial attempt to charge my credit card. XXXX XXXX issued me a new card due to this fraudulent charge and XXXX then attempted also to charge that card. After discussing the situation with XXXX XXXX, XXXX XXXX officials agreed I did not make or approve the purchase and that the charge was fraudulent. I had not used or logged onto XXXX in roughly 11 months when XXXX charged my credit card. So, it was clear I no longer was an eHarmony customer, just as it was and is clear that I would not have purchased or approved a purchase for an eHarmony service or product that I was not using. I also ccd XXXX XXXX on each correspondence I had with XXXX. Please halt the collection of {$510.00} you currently seek on behalf of XXXX. I do not owe the company any money. Thank you for attention to this matter, and appreciate you closing it and considering the issue resolved. Sincerely, XXXX XXXX XXXX Below is the response I received from RFGI this afternoon : -- -- -- -- -- Forwarded message -- -- -- -- - From : RFGI Customer Service XXXX Date : Tue, XX/XX/XXXX at XXXX Subject : RE : Online Dispute To : XXXX Good Afternoon XXXX, Thank you for reaching out. Upon review of documentation provided by XXXX, your original subscription placed on XX/XX/XXXX was paid in full. Subscriptions renew automatically to provide customers with uninterrupted service. For your convenience this is mentioned during the purchase process, in the order confirmation, and in the Terms and Conditions. As the auto renewal was not deactivated, a 12-month renewal subscription totaling {$470.00} ( plus applicable sales tax of {$31.00} ) made payable in 1 payment continues the same terms until you cancel and was enacted on XX/XX/XXXX. Unfortunately due to a chargeback, your installment payment did not go through leaving the full balance {$510.00} which has been placed with us. Do you have a cancellation notice from before the renewal date of XX/XX/XXXX? If so, you can email that to us and, once confirmed, we can close this case right away for you. If cancellation is made after the auto renewal date, cancellation unfortunately will not affect your obligation to pay the total contractual amount due on your subscription. You can review eHarmonys Terms and Conditions regarding cancellation here : XXXX XXXX XXXXXXXX. The order confirmation that was received upon purchase of the subscription explained the auto renewal pricing and enactment date along with instructions on how to cancel. I have attached the order confirmation and payment reminders that were sent to you for your reference. I have also attached a sample screenshot of the details that are provided on the website before you subscribe for your review. It shows the price, total installment amounts and how many installments, the term length, renewal information, etc. It states the following : I authorize XXXX to charge my account now and upon each monthly payment and each renewal. You agreed to the terms and conditions when checking the box and clicking subscribe now. If you were refunded by your banking institution that did not erase the outstanding debt due to XXXX as you were credited and they were rebilled. A decision by your banking institution is not a legal judgement, it only refers to the payment method and not the actual legality of the debt. We do not own this account but are contracted by XXXX to collect on outstanding balances on their behalf. We are not authorized to write off the balance. Please let me know if I can be of further assistance. XXXX XXXX Rozlin Financial Group , Inc . XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX ID : XXXX New York XXXX XXXX XXXX XXXX North Carolina Permit XXXX XXXX This is an attempt to collect a debt. Any information obtained will be used for that purpose. Rozlin Financial Group, Inc ( RFGI ) is a debt collector. To opt out of receiving e-mails, respond " OPT-OUT '' IMPORTANT : The contents of this email and any attachments are confidential. It is strictly forbidden to share any part of this message with any third party, without a written consent of the sender. If you received this message by mistake, please reply to this message and follow with its deletion, so that we can ensure such a mistake does not occur in the future. XXXX I expect companies with auto-renew policies such as XXXX to be more transparent, respect user privacy and be prevented from financial predation on unaware customers myself in this instance. Any and all companies of this kind should send a reminder email to alert the customer a renewal charge is upcoming. This is my experience with all other companies with which I have subscriptions. What XXXX, and RFGI by extension, has done is charge me for a service I hadn't used in roughly 11 months without reasonable warning that another charge was imminent. Had I received such a notification, I would have canceled my membership and halted my subscription. This practice is predatory at best and fraudulent at worst. Companies with an ethical and moral compass do not engage in such practices. I am surprised that such corporate behavior continues while competitor companies do their best to be reasonable with customers, ensuring fairness and loyalty. For example, I experienced this identical situation with the online dating company, Coffeemeetsbagel.com. The customer-service representative I communicated with there immediately refunded me the charge, eliminated the debt and canceled my subscription. XXXX would do well to follow this example.
09/13/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WA 98225	Web
Hello! This describes a debt notice I received about a debt owed to XXXX from RFGI Collections ( XXXX XXXX XXXX ). The debt notice did not contain the proper information that your website says must be clearly stated about my debt collection rights. For context : on XX/XX/XXXX, I purchased a 12-month membership to XXXX. I put a note in my personal calendar for XX/XX/XXXX to remind myself to cancel the membership if I did not want it to auto-renew. Before XX/XX/XXXX, I selected in the XXXX app that I was canceling my membership so it would not renew. I did not access my account on my app after mid or late XXXX of XXXX. On XX/XX/XXXX, I received a fraud alert from my XXXX XXXX XXXX that I used for the previously purchased, 1-year membership. The fraud alert text said that XXXX was trying to make a payment of {$54.00} and asked if it was valid or not. Since I already canceled my membership and had already paid my 12-month subscription, I selected 2, indicating it was not valid. I then called XXXX and confirmed my card was still safely with me but that I did not approve XXXX to charge me as I did not renew my membership for after XX/XX/XXXX. On XX/XX/XXXX, I received an email stating " Final Reminder '' and telling me I had a bill of {$160.00}. I tried to log into the XXXX app, but my access was restricted and it directed me to call the customer service line to reactive my account. I then called the customer service line with XXXX and explained that I canceled my membership and was incorrectly receiving a bill. The customer service agent told me I needed to make the payment to regain access to my account. I repeated several times that I already canceled my membership and did not want to pay anything to access my account as I don't need or want to access my account past the 12 months I paid. I was told that was not possible and I needed to pay my bill. On XX/XX/XXXX, I received an email from Rozlin Financial Group trying to collect my past due debt. Since I did not access ( and later couldn't access ) my account for the period from XXXX - XXXX of XXXX after canceling my membership in the app, I submitted a notice to the XXXX XXXX XXXX hoping to have a mediator review this information and confirm I would not need to pay the alleged past due debt of {$160.00}. I then examined the text of the debt collection notice I received on XX/XX/XXXX from Rozlin Financial Group. I noticed the message failed to comply with the requirements as described on your website about debt collection validation notices. Specifically, it did not include information about my debt collection rights or information on how to dispute a debt. I responded to the message on XX/XX/XXXX stating I do not recognize the debt collection notice as valid and had reported to the XXXX XXXX XXXX about being charged this amount after my cancelation. On XX/XX/XXXX, I received a response from Rozlin Financial Group. The response included numbers that were not the debt I was disputing. The response mentioned that I had been charged installments of {$78.00}. I did make those payments as those refer to the 12-month membership in XXXX that I did pay in full. I am disputing 3 charges of {$54.00} from XXXX and XXXX of XXXX after I canceled my membership in XX/XX/XXXX. Further, the message did not in any way address the concerns I pointed out about the debt collection notice not containing information that is required. My reading of the CFPB 's policy as outlined here is that this debt collection notice from XX/XX/XXXX is not valid since it did not initially -- nor within 5 days after that message or even in the response from XX/XX/XXXX -- mention my rights to dispute the debt. ttps : //www.consumerfinance.gov/ask-cfpb/what-is-a-debt-collection-validation-notice-en-2109XXXX As a former consumer of this product for 12 months, I believe to have been scammed by someone renewing my membership after I canceled it and being told that I am responsible for this payment that I should not owe. I am concerned that this debt collection notice I received did not follow the requirements from CFPB, and I am troubled that the message I receive in my response has - incorrect payment information and - does not respond to the concerns I raised about requirements not being followed Thank you for reading this and for the assistance you can provide.
01/21/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 170XX	Web
Rozlin Financial Group , Inc. has been contacting me off and on for several months about a debt I do not owe. The first phone call I spoke with a gentleman who told me that I owed {$4700.00} to a company called XXXX. I've never had any interaction with that company and stated such to the agent. I then asked that he provide some sort of debt validation. That debt validation was never received and the calls continued. Then today I received an e-mail on my work e-mail address. The e-mail says as follows : From : XXXX XXXX from XXXX XXXX
03/21/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 23322	Web
I accepted employment with XXXX XXXX under very, very defined terms. After negotiating with those terms made clear and accepted by the brand-new manager and recruiter, an on-line contract for employment. I was working and was told I needed to sign it right away so I could start within a certain cycle of new hires. Not expecting anything to be added that we had never discussed, I quickly opened the document and e-signed it sending it back to the manager right away. It is my fault for not reading the contract in more depth. It was hard to read online and I did not even think to look for anything that had not already been discussed. Once hired and onboarded with XXXX, XXXX I absolutely was excited to get through training and start living up to the terms of what I thought was our agreement. Not one of the things I had been promised worked out. They were inducements to get me to come on board. I guess they figured that I would stay anyway. I left a very good job in the field to come to work there. Had those terms been honored I would have stayed. I stayed several months trying to get a straight answer regarding where the breakdown was in communication. I was mis-led into believing that the things promised could still be worked out. I was totally deflated and realized that without those terms I could never achieve what I thought was a great career at XXXX, XXXX My second mistake was not leaving immediately once I realized the dishonesty of their newly hired manager. I was devastated. I was stunned when I received an email from XXXX XXXX at XXXX, XXXX stating that I had agreed in advance to re-pay any advancement of a draw since I left the company early. Double whammy here. I understood the money being paid to me for the first few months was a salary, like a training salary. Second, I had never even heard of any pay back being required. And so I started negotiating with XXXX XXXX with XXXX, XXXX Below are the facts of the story at that point. The facts are : 1. On XX/XX/2022, XXXX reported to XXXX and XXXX a Collection on my credit file. This is false. I have never been served any papers regarding any debt with XXXX or XXXX. 2. If there is any action taken for Collection it would be considered to be filed for after this information was reported to my credit file at XXXX and XXXX. 3. After discussing with your representative, XXXX, that I was still disputing that I owed any money at all, she advised me that if I got on a payment plan with RFGI until I could obtain legal advice that would hold off any Collection activity. This monthly payment activity was suggested as a way to have the time to seek legal advice. I am attaching the initial outline of the payment plan set up as communicated by email. I am also attaching my receipts as evidence that all payments have been made through XX/XX/2022. XXXX stated to me that if I was making good faith payments that would keep any potential collection from being reported. I set that plan up in good faith and yet XXXX proceeded anyway to report false information with two major credit bureaus. 4. I tried to negotiate with XXXX representative XXXX XXXX for months. She would not accept any of my offers. She flatly refused to give any counter offer. 5. I have tried several times make an offer to RFGIs representative XXXX. My last offer was made XX/XX/2022, Friday ) for {XXXX} plus any payments already made. XXXX stated that I owed much more than that and because of that they could not present an offer to their client ( XXXX ). 6. That XXXX refused to present any of my offers to XXXX Reference was made to my offer as being too inadequate to present to lXXXX. I have tried to negotiate a mutually beneficial sum. Then I discovered the collection I had no idea about.
07/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70363	Web
To Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you .At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX , XXXX , XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues toreport on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character .I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account Any Judgments obtained by any creditor regarding this account Name and address of alleged creditor Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for your company in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards
01/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 731XX	Web
On XX/XX/2021, I received a marketing email from XXXX, advertising 50 % off 24 months of their online dating service. However, XXXX disclosed neither the amount nor the discounted total. Intrigued, I clicked through to their offers landing page. After it became clear that they would not reveal the price until I added the subscription to my cart, I proceeded to fill out a form on their website, selected pay in 4 installments, and selected XXXX as the payment method. I logged into XXXX to complete the process, believing I would have an opportunity to review the total amount to be charged. Instead, XXXX immediately processed my payment, charged my XXXX XXXX card ( linked through XXXX ) one installment out of {$250.00} ( {$62.00} ), and bound me to a contract for 24 months of service. Had I known the total to be charged, I would never have agreed to proceed. It is worth noting my credit card company, XXXX XXXX, found this entire matter absurd and quickly agreed to my dispute of the first {$62.00} payment. I immediately reached out to eHarmony support ( XX/XX/2021, at XXXX PM XXXX ), explained the situation as described to you in this letter, and kindly asked them to refund the charge and cancel my account. Five days later, on XX/XX/2021, Customer Care representative XXXX XXXX responded to my request, writing that it would be impossible to cancel my account and issue a refund because I live in Oklahoma, and Oklahoma is apparently not one of the eleven states in which XXXX offers a three-day cancellation window according to their terms of service. He insisted that I would still be bound to the contract and that my remaining three payments would process. Fortunately, since I used my XXXX XXXX card through XXXX, I was able to simply cancel the billing agreement through XXXX so that no future payments would be made. I asked him to reconsider, as this was obviously a technical glitch that caused my payment to be processed automatically. On XX/XX/2021, XXXX XXXX responded to that email and reiterated the same points, this time offering a courtesy XXXX extension of XXXX service. I rejected that offer because I have no desire to use XXXX product as a result of their deceptive sales tactics. Additionally, after repeated requests, XXXX deleted my profile on XX/XX/2021. I never used the service while my account was active. In short, I am being charged {$250.00} for a service I never wanted to use, never used, and never will use. At best, this is a sleazy attempt to gain unsuspecting customers who may not challenge the charges. XXXX is unwilling to acknowledge that this technical error on their website caused this unwanted charge, and they are aggressively pursuing a quick buck, it seems, by turning this over to a collections company, Rozlin Financial Group ( RFGI ). I have been in communication with RFGI since XX/XX/2021, and they seem unwilling to acknowledge even the possibility that this could have been an error on XXXX 's part. I am attaching one PDF containing all correspondence to date with XXXX and RFGI, in chronological order. Thank you in advance for your review.
03/10/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91405	Web
This began in XX/XX/2021. I notified said company ( XXXX ) of my cancellation after XXXX payment within the accepted time frame to do so. Their " contact us '' format was extremely non-user-friendly and they make it very difficult to contact them. Their cancellation policies were convoluted and misleading. There may have been delayed response time on their part due to COVID-19 which brings me to my point. 1. I respectfully attempted to close my acct/cancel my membership very soon after I opened it due to financial hardship and perceived XXXX tones on the site. 2. Once canceled I did not receive any notifications from them until collection started. 2. After what I perceived as a canceled membership, I came to learn that all they did was cancel the auto-renewal for the next year. 3. The nature of my cancellation was/is extremely sensitive and unfortunately a result of our times. 4. I explained that due to COVID-19 I was no longer employed and was facing financial hardship. 5. The overwhelming nature of our world crisis has taken a tremendous toll on me. 6. I stopped using the site immediately and dissolved my profile as much as it would allow. 7. I asked for it to be completely shut down. 8. They ( XXXX ) now claim there is no record of my attempted cancellation. 9. Due to their non-user-friendly cancellation policies, I never received a confirmation until I realized they had only canceled my I-year renewal. 10. AGAIN : Due to Covid-19 I was and still am suffering extreme financial hardship and therefore canceled my membership within the acceptable time frame. 11. Even though the cancelation process started during the accepted time frame their response time was slow, apparently ( without my knowledge ) pushing me into a " too late to cancel '' time frame. 12. There " contact us '' format did not give me a confirmation of my attempted cancelation. For the record as a side note : The XXXX temperament of the organization was off-putting as well. Summary : I canceled my membership due to COVID-19 causing financial hardship and I did so within the acceptable time frame. Regardless of whatever their policies state I am experiencing EXTREME financial hardship. In addition, I noticed a XXXX temperament within the website that was very off-putting. Lastly, it is disappointing that XXXX does not have policies that are current with what is happening in our world right now due to a Worldwide Pandemic but nonetheless my attempts to cancel were done within the accepted time frame. I urge them to update their policies and deal with the real world. I have sought legal counsel and my lawyer is willing to work pro bono for a limited time only as an adviser. In the plainest form... I have no money.
03/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29579	Web	Servicemember
Over the last three months Ive been receiving harassing phone calls from this collection company about an account which I have never had. The company proceeds to tell me that there was an account leased through XXXX and they could not even tell me what type of merchandise it was. Im own a very large corporation here in XXXX XXXX South Carolina and I have never leased any merchandise from XXXX much less even shopped from XXXX my entire life. I am actually an A+ member of the XXXX XXXX XXXX with our XXXX XXXX company match XXXX managers. I asked the company to please send me proof of this purchase along with a picture of my ID and a signature and they were not able to do so. They mailed me an amortization table of some payments which I have never seen nor never signed up for and my entire life. They also had me in an address in which Ive never lived that in my entire life.I have a very high credit score and I own over 15 personal properties here in XXXX XXXX and I would never ever go into a XXXX and lease any type of items. My concern is that the company can not provide me with identification nor a signature which says I purchased at least anything from any company Which makes me believe some identity theft is in play here.. I want this item removed off all my credit reports, this item is not mine it is never been mine and they can not provide any proof whatsoever that Ive ever obtained an account by this company. This is my first step in beginning a litigation process with them. I can see they have many many complaints against them and harassing phone calls and emails which Ive had the same thing. Ive told them that this account is not mine and to please prove to me that it is and they are unable to do so but yet they report to my credit bureaus. I will be contacting the federal trade commission along with contacting my attorney XXXX XXXX esq. if they do not remove this off of my report. I will go after them for any type of harassment and also defamation of Character.I Purchased many properties but yet this item pulls up on all three of my reports it is the only negative item Ive ever had to get me ever. The fact that its not my account is very devastating to me and very Concerning. Theres no proof, theres no signature theres nothing this company can provide me to prove this account is mine. This company should not be allowed to do this I have no idea how they got my information and yet they look can not even give me my Social Security number when I ask him for it please check into this and have them remove this in anyway they can because Im trying to buy the {$750000.00} commercial building And this false account is reporting to my credit report. This is unacceptable
12/31/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NJ 086XX	Web
Dear Sir or Madam : My former employer, XXXX XXXX XXXX XXXX, has improperly submitted a disputed contract claim to XXXX XXXX XXXX as a collections matter, despite that the contract upon which it seeks to rely in support of its claim is invalid and has been replaced in its entirety by a contract that does not contain any repayment requirements. This is an employment dispute and not a consumer financing or credit matter. I have never gotten a loan from XXXX XXXX and dont intent to. The matter is currently pending before the Court under the aforementioned docket number, and the undersigned 's employment attorney is in the process of filing a motion to dismiss the Complaint for failure to state a claim upon which relief can be granted. The biggest abuse of the Fair Credit Reporting Act I feel it has violated is the fact that they have sold the account to a collection agency and are also suing me for the same amount and case. Again, the only reason I left XXXX XXXX before my employment contract was up is becuase they replaced my contract in XXXX which canceled out all other employment contracts previously executed. This matter does not involve an installment or revolving account, nor is it properly a collection account as there has been no determination that XXXX XXXX has any obligation to repay her former employer for a sign-on bonus. To the contrary, the most recent employment agreement between XXXX XXXX XXXX XXXX and XXXX XXXX makes clear that it replaces all prior agreements between the parties concerning XXXX XXXX employment, and it does not contain any requirement that XXXX XXXX repay any of the compensation paid to her in connection with her employment. Based on the foregoing, the " collection account '' in the amount of {$110000.00}, reported by XXXX XXXX XXXX, is inaccurate, unverifiable, and improper and does not reflect a debt owed by XXXX XXXX. As such, please promptly delete this information from XXXX XXXX 's consumer file as required by the provisions of 15 U.S.C. 1681i ( a ) ( 5 ) ( i ). If you have any questions or require further information, please do not hesitate to contact me. Thank you for your attention to this matter.
07/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	NY 10550	Web
My adult daughter purchase some sofas back in XXXX From a company called XXXX XXXX XXXX XXXX '. She was going through a tough patch and like any mother, I decided to help her by taking one of her bills off her hands. She was a single mother with XXXX babies. I called the company and told them to charge my account monthly. they set it up over the phone, every month they took {$180.00} until they final payment on XX/XX/XXXX. I thought I was done, but according to the secretary whom I only spoke to on the phone, I was told I had to make 3 more payment of {$180.00} for the buyout of {$560.00}. I paid them and never heard back from them again. Mind you, they have my telephone and work number which has never changed. I never got a letter, ever because like I said, the contract was my daughters who lives at a different address. Now 6 years later I get a letter from a Rozlin Financial Group saying I purchased sofas and never made any payments {$1900.00}!! I called to tell them they was some mistake, I didn't know any Rozlin Financial Group, Then they said it was a leasing company and they bought the debt. First they said there was one payment missing in XXXX of XXXX. They side if i could show I made that payment they will delete what was put on my credit, I got my bank records and showed them they charged my card. then they came with another excuse, I realized they were just fishing, anything to get me to fork over more money to these scammers!!! The worst part is they are making it seem like I opened and account in XXXX and never paid them. They are lying and saying I owe them {$1900.00} Now! They refuse to send me the original contract with my signature or printout of payment made and who made them. They said they done't have any of that information. Truth is they do not want to submit it because they know that contract was not mine! I don't know how to expose these scammers!!! I want to see the original contract with my signature!!!! Attached is what they sent, this is no contract, this is just a piece of paper they generated to say what ever they want!!
08/26/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL XXXXX	Web
I started to work for the company XXXX XXXX in XXXX of 2020. They Promised me a new position as a XXXX. This position the company has never had any of there current employees perform, so this is a brand new position opening up just for me. I accepted the job offer with the company they granted me a XXXX sign on, however I would need to stay with the company for 1 year prior to this guarantee being terminated. After accepting the offer and within the first month the job they had me doing was not the job they had me sign for. Nor would I ever be able to make the living I was hoping to make and they have promised me. I have a family and a home! There offer was a complete lie and I needed to make a change to clearly provide to my family. When leaving I asked if they would remove the guarantee they provided and they said no because I sign off on a contract to them. At that time I also stated back to them the offer they gave me and what I received were XXXX different things and the offer was not held up on there side. They have no sent me to collections, I'm a licensed XXXX with another company and having problems with some state licensing because now I have an XXXX collection on my credit. The collection company calls almost daily, threatening me they were going to send it into collection and they have. So, why do they still call? Also, XXXX XXXX will not do a thing about it. I lost out on so much and was lied to from the beginning from one of the largest Mortgage companies in the US. I need this collection off my credit report. I'm asking for assitance from the wrongful way I was treated and being treated.
10/02/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 486XX	Web
On XX/XX/XXXX 2017, Rozlin Financial Group L placed a fraudulent debt on my credit report. According to my credit report, this alleged debt is for {$66.00} and the original creditor is XXXX XXXX XXXX XXXX XXXX. I have only been to one physical therapist in my life, and I spoke with them about this matter after I found this on my report. They told me that they knew nothing about this, and that they had not submitted any debt to any collection agency. They further told me that ALL of my treatments were paid in full by my insurances since I have both medicare and medicaid. I do not, nor have I ever had an outstanding bill with this or any other physical therapy company. If the bill were owed, I would have paid it, but I will not be paying a fraudulent bill. Furthermore, I was not informed of this bill either before or after it showed up on my credit report. I was not contacted by telephone or by mail with any bill by any of the parties involved. I was not given any opportunity to resolve the issue before it showed up on my credit report. I am not certain whether this fraudulent debt was acquired from the original creditor, XXXX XXXX XXXX XXXX XXXX or if it was purchased from the original debt collector, XXXX XXXX XXXX. I do not however, appreciate that this is the second time this fraudulent debt was added to my credit report, adding a second collection for the same fraudulent debt to my credit report. I want this fraudulent debt removed from my credit report immediately. I have worked too hard to increase my credit score only to have false statements from these people wrongfully lower my credit score.
04/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55044	Web
Last spring, I was suppose to have a wedding on XX/XX/XXXX. Due to the pandemic it was impossible to have the XXXX The governor ordered a stay at home band that started in XXXX and went past XX/XX/XXXX the day of the wedding. Due to not being able to have a wedding, I contacted our XXXX vendor XXXX XXXX XXXX to let them know. XXXX ( XXXX XXXX ) told me I still owed the full payment even without the service provided. Not only that if I didnt pay he threaten to add a 20 % penalty. XXXX the owner stated I would still owe the money in full and that I could use his service for whenever the wedding would be rescheduled. I told XXXX that I did not foresee when having the wedding would be due to the pandemic. As the date got closer on XXXX and XX/XX/XXXX XXXX bullied me via phone and email and told me he would sue or take legal action if I didnt pay even though he couldnt perform the service. Not only did he cause emotional stress on me during the pandemic of not being able to have a wedding, I was now being threatened to be sued. XXXX has now sent me to collection ( XX/XX/XXXX ) almost a year later. He is now going to ruin my credit on a collection he is trying to collect on for a service he did not perform. I believe XXXX owes me the {$300.00} deposit that was paid to him and he never offered to refund. Im extremely disappointed with how XXXX is using these abusive collection tactics during a pandemic. I had heard great things about his company prior to my experience with him. Im looking for your help and assistance to resolving this matter. Company info : XXXX XXXX XXXX XXXX XXXX XXXX
12/21/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 281XX	Web
Rozlin Financial Group , Inc. ( RFGI ) has been harassing me for a " debt collection '' that I never entered into with their client, XXXX XXXX. I made a direct Credit Card purchase with XXXX XXXX via their online store. I purchased with my approved credit card, and XXXX XXXX sent me my products. I thought the transaction was concluded. Almost eleven months later, I was contacted by XXXX XXXX, who indicated that through their internal process failings, they never completed the merchant services transaction. As such, they want me to pay for the products again, which sounds to me like I was expected to pay for my products twice. I refused to pay because if they had internal issues in which they neglected to complete the transaction, this was their issue, not mine. I did nothing wrong in this transaction as I considered this transaction paid in full eleven months prior. One should ask why XXXX XXXX shipped the product ( s ) when the transaction was incomplete. Plus, I could not confirm the transaction on my end as the card used was long closed. XXXX XXXX sent me to credit collections even though I never entered into a credit agreement with XXXX XXXX, and my collection was sold to Rozlin Financial Group , Inc. ( RFGI ). RFGI has been harassing me via telephone calls and threatening emails to pay for a debt that was never a debt in the first place. I have requested that RFGI only communicate in writing with me and stop harassing me otherwise. I have also requested RFGI to provide me written proof of a signed contract with me and XXXX XXXX for a line of credit for receiving their products.
08/26/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48238	Web
Two different collection agencies are attempting to collect {$1000.00} for an XXXX account. This was satisfied in XX/XX/XXXX and XXXX and both agencies were informed. In XX/XX/XXXX, I entered into a short-term loan with XXXX to purchase furniture. The terms of the loan were " 90 days, same as cash '' terms. I believed that if I paid off the loan in 90 days, I would not be charged interest. XXXX guaranteed those terms to me and purchased the furniture ( one mattress set and a couch, totaling about {$1000.00} ). I was required to pay about {$130.00} towards the " furniture loan '' up front. Terms also included automatic payments of {$180.00} beginning XX/XX/XXXX and on the XXXX day of each month, thereafter. In XX/XX/XXXX, I called XXXX and asked why I had not received any email from them regarding the payments and remaining balance. In late XX/XX/XXXX, I had made 2 full payments and yet was not informed of any remaining balance. I believed that my balance should have been about {$580.00} but no one at XXXX would inform me in writing. I also asked for an extension of the 90 day-terms to pay off the loan and was told over the phone that I could continue to pay on the loan. A total of {$1100.00} was collected for this loan that was satisfied in XX/XX/XXXX- actually overpaid the account. In XX/XX/XXXX, I was informed by XXXX XXXX that ROZLIN FINANCIAL GROUP L and XXXX XXXX XXXX are attempting to collect on this same account that was satisfied in XXXX. Both companies report this to all three credit bureaus.
02/16/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 46410	Web	Servicemember
I opened an account with XXXX on XX/XX/XXXX not knowing it was a XXXX subscription until I received the email right after. I then called XXXX within 2hours to cancel my account stating I did not know this was a XXXX subscription, they had already took a one month subscription for XXXX and I was told that I owe XXXX. I told them to cancel my account and that I did not want a XXXX subscription, my account was then canceled on XX/XX/XXXX and they stated I could not have the XXXX refunded and I still need to pay XXXX even if the account is closed.I let them know that I would not be paying for a subscription that I am not using and that I should not have to pay since closed the account. I was contacted on XX/XX/XXXX by a collection agency RFGI XXXX XXXX XXXX stating that I owe a debt of XXXX to XXXX and they would to collect this date within 90 or they will report this to the credit bureau and this would affect my credit. I ask them if they had my social security number she stated yes, I proceeded to ask how did you get my social security number I never gave my social security number to XXXX she told me that they had my social security number, and she then was able to provide me with my social security number in which I never disclosed to them or XXXX. I then ask for a supervisor XXXX XXXX to ask how did they obtain my personal information meaning my social security number.
04/19/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 770XX	Web
Rozlin Financial Group is reporting a collection on my consumer report that is harming my credit. I do not know them and I have never conducted business with them. Rozlin Financial Group Inc is either a third party debt collector or was assigned this alleged debt. I do not have a contract with them. They have seemed to obtained my personal identifiable information without my consent. NO CONSENT IS IDENTITY THEFT. I demand proof that I consented to them obtaining my personal identifiable information if they believe they somehow obtained it. I revoke any consent that Rozlin Financial Group think they have to obtain my personal identifiable information. This is also fraud. They have communicated with me numerous times to extort money from me I do not owe them. If they are a third party debt collector I demand that they send me proof of ownership of this alleged debt and proof of authority to collect. I also demand that this proof be sent by a natural person who will accept fully liability for harming my personal credit. I also demand the forward flow agreement/ purchase agreement if they purchased this alleged debt NOT BILL OF SALE. Rozlin Financial Group has also violated the Fair Debt Collection Practices act by not informing me of my rights within 5 days of initial communication with me.
07/24/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WI 548XX	Web
On XXXX XXXX I called RFGI about a letter in the mail to collect debt for XXXX XXXX XXXX and now XXXX XXXX XXXX, XXXX for {$2300.00} for claim from XXXX XXXX. The representative told me I could only talk to her by giving her my SSN or DOB and would hang up if I didnt. After giving my DOB, she laughed at me saying because of HIPAA she can see my full SSN, DOB, and email address. Then said she can see where my insurance company denied the full amount for XXXX XXXX XXXX and the statement of claim they sent me. When I asked for all this to be sent to my house she only sent a letter that looks like it was made on XXXX word for a service on XXXX XXXX. I got the letter on Saturday XXXX XXXX and no copy of the statement of claims she said she saw was included. I called my insurance company on XXXX XXXX and they said they have my statement of claim that shows they covered it and that I am only to be billed {$710.00}. The RFGI representative lied to me about having a copy of a statement of claim from my insurance denying coverage to get me to pay the full amount. This item was suppose to be only the amount covered by insurance and no cost to the patient. XXXX XXXX XXXX is now out of business and XXXX XXXX XXXX bought out patient information. Now they want the money I was never suppose to owe.
01/05/2023	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	RI 02860	Web
I signed up for a course with an acredited school. I was dropped from the school due to having some personal issues. So I never even got to attend the courses at all. The school had told me that they would remove the amount of {$4200.00}. I was not given an option they just put me on a payment plan but I had a part time job and couldnt survive by given them that amount that they said I owed. The amount also never got lowered than {$4200.00}. I was paying and they just kept charging me. They they proceeded to call my friends and family members then proceeded to call me constantly and email me threatening saying that they will be reporting the debt to the credit bureaus and damage my credit score. I have made all of the following payments Details : Recurring Bi-Weekly payments of {$50.00} on XX/XX/2022, {$50.00} on XX/XX/2022, {$50.00} on XX/XX/2022, {$50.00} on XX/XX/2022 starting on XX/XX/2022 and then every other Wednesday totaling {$200.00} from checking account. Yet they are still threatening me for a course that the school said I was unenrolled from and did not have to pay back. I did not even accept the offer on the XXXX page. I do not understand why I am being harassed for not being enrolled, for not accepting the debt and mostly not even using it at all.
10/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 95403	Web	Older American
XXXX XXXX Department : I have spoken with a representative of XXXX XXXX XXXX about my not being person having made the charge. They asked for the last 4 digits of my social and said it corresponded with the information they had and that my mailing address was also correct. I told them I was XXXX XXXX XXXX and have owned my furniture for years and knew nothing about XXXX XXXX nor had I ever leased furniture in my life. They said obviously they had the correct information and were going to mail the additional information to confirm the charge. I have not received that information yet because I just found out about this charge and talked to them for the first time today. I have sent a copy of this Identity Theft Report to XXXX the collection agency trying to collect {$5800.00}, for the fraudulent charge from the leasing company XXXX XXXX XXXX made on XX/XX/2022. I called Federal Trade Commission, report number : # XXXX, to report the fraudulent charge and they issued an identity theft report which I am attaching. I have requested my credit reports from all three agencies but as of now and will receive them in about 2 weeks. I have no other issues with my credit cards or suspicious activity or charges on my bank accounts. Sincerely, XXXX XXXX
01/04/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46239	Web
I had a XXXX month subscription to XXXX. The subscription was reasonable, I used XXXX to pay it. But I didn't have any luck. It's a terrible app. I Lost interest and let it lapse The next month I noticed a 400 % balloon payment on my XXXX account ( which was paid BTW ) and so I promptly put a stop payment on the account and deleted the account. A few months later I receive a phone call from a debt collections agency called XXXX telling me I owe them {$400.00}. I panicked, I flip out. I have a mortgage. I can't afford to pay that I'm already strapped because of the holidays. I'm just a XXXX XXXX XXXX XXXX I don't have a lot of money. I've worked hard for what I have and the credit rating that comes with it. I try to access the old account and I can't because it doesn't exist any longer. I send an email to support. They tell me it doesn't matter if I deleted it I didn't cancel the subscription. That they sent two emails ( That I never saw, Probably ended up in junk ) and now I owe them for services rendered. How can I receive said services with no account? This is a criminal operation preying on lonely people like myself and I refuse to allow them to extort me. My next step is small claims court.
12/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DC 20003	Web	Servicemember
On XXXX XX/XX/2023 RFGI ( Rozlin Financial Group, Inc. ) Collections emailed me claiming that I have a past due balance of {$120.00} for an XXXX account. To the best of my knowledge and records, I have never opened an XXXX account nor held an XXXX account. I responded to RFGI 's email on the same day ( XXXX XX/XX/2023 ) telling them they were in error, that no such account exists or existed, and that further efforts to collect on this fraudulent claim may be considered in bad-faith and result in appropriate legal action. On XXXX XX/XX/2023, RFGI Collections emailed me again, still claiming that I have a past due balance of {$120.00} for an XXXX account. Neither email listed a contact phone number, so I looked them up on XXXX and called them directly at ( XXXX ) XXXX. They refused to give me information unless I gave them my name. Wary that this might be a phishing scam, I refused and offered instead to give them my email address which they used sent the alleged notice to. They refused to look up the issue with that information. I then hung up and responded to the email demanding that they verify the debt in accordance with 18 USC sec. 1692g ( b ).
06/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63135	Web
On XX/XX/XXXX, I sent this company a letter requesting that they validate the date and they sent me an itemized bill. The original creditor is trying to make me pay a deductible for services that wasn't performed. I informed my Warranty company XX/XX/XXXX that they did absolutely nothing just came out and didn't even look at the issue and said they can't do anything and they said I am NOT RESPONSIBLE FOR this debt. I then sent a letter to the collection agency on XX/XX/XXXX requesting for them to show proof that services were rendered by this company and they just said the debt was verified that is not accurate and they continue to report this debt on my credit when the Original creditor DOES NOT have proof that they even provided services. I am not in the process of pursuing civil litigation action and even pursuing obtaining a consumer rights attorney regarding the bureaus continuing to collect on this unverified debt. This debt collector as well as the original creditor are continuing the report this and is a violation because they are charging me for services that were never honored by the original creditor.
08/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33063	Web
I signed up to XXXX on XX/XX/2021 and cancelled after a week after realizing they had a poor user database and my " matches '' were far away from where I am located. I didn't even go on one date from that site. I followed the complicated steps to cancel membership which has a different name not " Cancellation '' ... to make sure I even emailed them since they have no customer service and they refused to give a refund/cancel. So I was like okay, I will just let them keep the {$150.00} they charged me already but I'm not paying anything else '' I had to cancel my debit card altogether and get a new one to avoid their automatic charges. Now I see they sent me to a Collections Agency even though I turned off my profile and I haven't used gone to their website or use their services. This is smart XXXX and abusive and they need to be Stopped. I'm trying to buy a house and the least I need is this bad record on my credit score because this company is fraudulent, since they don't have users, they exploit the few users they have. Beyond annoyed!
09/06/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78748	Web
What XXXX DOJ, informed me over XXXX fraudulent Collection notices have been sent by RFGI XXXX XXXX XXXX XXXX, was informed by the XXXX DOJ Here is my story : XXXX XXXX for {$5900.00} This is from a XXXX that happened way back in XXXX Stale debt.. This is from a XXXX Account from " National Durable Medical '' XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, XXXX Oklahoma, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Search XXXX " XXXX Charged with Violating Federal Anti-Kickback Laws and Committing More Than {$4.00} XXXX in Health Care Fraud '' XXXX DOJ XXXX a victim of Medicare Fraud XXXX XXXX on XXXX, had XXXX surgeries, XXXX survivor, have further medical issues to be corrected in the near future.. Suffer from XXXX, Anxiety, and XXXX On a fixed income and have about {$65.00} left over every month after bills are paid.. I have a lot on my plate and to be involved with fraud that deals with Finances impacts me greatly psychologically, had to seek additional therapy due to this..
08/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22407	Web
XXXX has illegally hired a debt collector and illegally shared my information and subjected me to spying, stalking, and XXXX terror, identity theft, blackmailing and more. My account was set up so there can no automatically payment can be made, and then they closed it so during the so I had no accesses to my account during the time period they want to charge me for. Then I get an email from a illegal debt collector who claims to have been hired by XXXX. After receiving the scam debt collector agency, I contacted XXXX and demanded them to cancel the false debt collection, which they did not. I herby press charges against XXXX, and Rozlin Financial Group, Inc ( RFGI ). Please arrest everyone involved and make sure that they can not ever terrorize the citizens of the united states again. Thank you. XXXX XXXX Rozlin Financial Group, Inc ( RFGI ) XXXX XXXX XXXXXXXX XXXX, IL XXXX ( XXXX ) XXXX Website : www.rfgionline.com Pay online : www.rfgionline.com/pay
04/17/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33624	Web
Rozlin Financial Group has reported on my credit report that I owe XXXX to XXXX XXXX XXXX XXXX. I have disputed the charges twice with XXXX, however XXXX states they have certified the information to be correct. I provided XXXX with the documents that Rozlin Financial Group provided to me which clearly shows payments being made to this alleged account. There are three issues that I have : 1. I have fulfilled my obligation with XXXX XXXX XXXX XXXX years ago ( I only had an account one time ). 2. How can you provide documents of payments being made, but then report 0 payments? 3. Where is the contract that obligates me to these alleged new charges? I have attached some of the documents that were sent to me. You may request they send you the same. One of the documents were drawn up as of XX/XX/2019. Company 's should not be able to fabricate documents that impacts people 's lives tremendously!
04/03/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60657	Web
I signed up with XXXX in XX/XX/2022. When I tried to log into my account I realized I was being denied access to the account due to a typo in my email address. After repeated attempts to contact them via their website to rectify the error I kept getting the same standard reply asking me to log in with the address on file. I was never actually able to use the account and therefore declined payment towards it. If there is any evidence to the contrary I would be happy to make the payment. A complete lack of customer service makes matters even more difficult to resolve with XXXX. In XX/XX/2022 I got a letter from a collection XXXX XXXX. I emailed a detailed description of the matter and spoke with them over the phone as well. There were several email exchanges and I even mentioned that I would contact a consumer protection board if the harassment continued.
11/17/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39465	Web
Recruited to work full time with benefits for XXXX Accepted the employment offer, with a 3 month guarantee to work one year in the XXXX, XXXX office. Eight months later, loanDepot closed the branch I was assigned to without notification, which left me unable to complete the term. I was the very last employee at that location once they closed the office. I performed work on abandoned loans that the community referring agencies needed immediate help with. I helped pack up the office. I had also managed to still produce mortgages, and was not compensated, as they then said that I breached the employment contract, and the wanted to collect the entire guarantee back. They have threatened and now placed a collection on my account through RFGI, and that means that I was actually not paid at all for any of the full time eight month work that I performed.
05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32209	Web
Around XX/XX/2023 a company contacted me about a {$12000.00} debt claiming it's from an old landlord that evicted me and is reporting that I wrecked the apartment upon leaving which is a lie. I showed the company proof that he never fixed the house and it even had electrical issues. The house caught a fire during the night and it could have cost me my life and now he is making up lies and the company is siding with him even though I sent proof. I'm even to the point of having a meeting with a lawyer on Monday so they can help me. Cause false report is messing up my credit why he gets money from old tenants. Ive even requested receipts and proof of my damages that I supposedly made and I have gotten no response or proof, they have completely disregarded my request.
07/17/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	OH 449XX	Web	Servicemember
There was a big scam through XXXX at XXXX XXXX and they were forced to close this XX/XX/2009 XXXX XXXX XXXX were scamming as well told the kids they were clear, then turn around and charge them and there parents $ XXXX {$700.00} each at the end of what they told XXXX-and XXXX yr olds kid " you have been cleared " they kept there last months grant funds which in this case was about {$370.00} times XXXX student then charge them again {$600.00} each and then each parent $ XXXX {$700.00} totaling nearly {$6700.00} they got my name through student registration i never signed there lease .this is a scam through XXXX which was shut down because the lied and there the same way and should be shut down for there misrepresentation to all those kids and there parents
11/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 95032	Web
I received a phone call on XX/XX/2021 at XXXX XXXX from XXXX reporting to be " RFGI '' who addressed me by my first name and asked me to confirm my birthday. When asked to provide more information he would not give it to me. He then told me the year of my birthday and asked me to confirm the month and day. I declined. He then asked me to confirm my social security number. Thinking it was a fishing scam, I hung up the phone. He subsequently called my husband asking for me. My husband asked him to explain the nature of his business and he would not, simply stating he was with " RFGI '' again. He again asked for personal information which we declined to provide. We have not received any written noticed of debt and are not aware of any outstanding debts.
09/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 319XX	Web
I had a pre-approval for a home loan through the GA XXXX XXXX but my realtor refused to show me houses in certain neighborhoods and the loans office would not submit my application to the GA XXXX XXXX even though I completed everything asked of me to qualify. the loan officer told me by letter and email to complete actions that caused my credit score to drop below the guidelines. I sent him proof of me completing the requested actions and he then denied my loan and never submitted the application to the GAXXXX XXXX for down payment assistance for healthcare workers and low income families. He did not offer me all available options. And sold my information cause my social security number And credit report to be leaked on the dark web. XX/XX/2020
04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92555	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
02/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92054	Web
To Whom it may concern, XXXX sneakily entrapped me in a 12 month contract at the end of XXXX, 2022. I do not knowingly sign into long contracts and I stopped my service with the site 2 weeks to the date I signed up.. I trie dthree or four times to contact XXXX. They would not acknowledge the fact that I was wanting to end contract. They would not acknowledge that I had remove myself from their site. And, they sent my name to collections and tried to ruin my credit. This is not acceptable. What consumer does not have the right to disengage from a service. I have great credit and they are threatening to ruin it. I have already received a letter from XXXX, XXXX XXXX XXXX XXXX, IL. XXXX. XXXX. Please help me. In good health, XXXX XXXX
12/12/2023	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NV 89178	Web
I was a victim of bag snatching around XX/XX/XXXX all my personal indentification my sss all my cards and my cellphone are inside my purse Good Samaritan called a police and the cops came he do all the reports after that I received all the person used my cards and my identity to call applying credit cards using my name thats so stressful. I thought everything is fine coz I freeze my credit score so that they cant used it but just now XX/XX/XXXX I received a letter from RFGI debt collection they said I owed {$3600.00} from a retail lease from XXXX XXXX XXXX which I dont know and i didnt do the transaction. I called RFGI to tell them that someone used my identity to buy or lease from XXXX XXXX XXXX
01/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63303	Web
Following a misleading advertising from XXXX, I requested and agreed to a XXXX subscription totaling {$410.00} made payable in XXXX installment. They make it looks like you pay monthly and i thought i was committing to 1 month subscription. Also they advertise a 3 days cancelation policy. I called to cancel XXXX after the subscription. They replied stating that terms don't apply and sent me to a debt collector RFGI ref # XXXX. There are hundreds of complaints online about XXXX service misleading advertisement. My bank refunded me but i had to pay today again since i don't want my credit score to be impacted ... is there a way to fight them and at least to protect future customers?
07/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30349	Web
On XX/XX/2021, ROZLIN FINANCIAL GROUP, INC sent a letter and added a derogatory mark on my credit report, per XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for this account. The Debitor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate a debt and anyone can send a bill and say that it mines. According to the FCRA, ROZLIN Financial Group.Inc, has valid my rights as a consumer and I'm am requesting LEGAL ACTION to remove this account immediately.
05/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29063	Web	Servicemember
Car was repossessed and sold at auction. The original debt is 6yrs 4 months old and they reached it to 4 yrs .Balance on one credit report shows paid the other is reporting original debt. I have submitted several verification of debt and request for inaccuracies to be corrected or deleted to both creditor and all credit bureaus. Its deleted off one and remains inaccurate on others. Neither the creditor or credit bureaus have taken my phone calls or letters seriously and has caused severe damage to my credit. When I have tried to point out inaccuracies and request my right for accurate data or deletion as my consumer rights provide me
05/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 291XX	Web
On XX/XX/2021 Rozlin Financial added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am not responsible for this account.Debtors creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send me a bill and say its mine. According to FCRA, Rozlin Financial has violated my rights as a consumer and Im requesting legal action to from this account from all credit agencies immediately.
08/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75088	Web
Rozlin Financial Group Inc ( RFGI ), XXXX XXXX XXXX XXXX, IL XXXX has placed a collection item on XXXX, XXXX and XXXX credit report in the amount of {$1800.00}. I do not owe this debt with RFGI and it is negatively impacting my credit score. I requested a signed documents showing that I've done business with them and they sent me documents from another company but not RFGI. I filed a complaint with XXXX XXXX XXXX as well and RFGI refused to remove this item from my credit report. This is a violation as a consumer and I request this item be removed from my personal credit report. Thank you
04/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07306	Web
I cancelled the account with XXXX and the mode of payment ( XXXX ) which was used - months in advance of the annual renewal. Then I received a call from the debt collection agency- XXXX XXXX [ XXXX : XXXX ]. I followed up with proof ( XX/XX/22 ) that I had requested the account being cancelled ( per their process ) and am still being told I need to pay for a renewal on an an account I did not use for half of the duration. Additionally, despite repeated attempts to cancel the the dormant account, I still have not received confirmation and expect them to continue this practice next year.
06/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 223XX	Web	Servicemember
On XXXX XX/XX/2021, I received a letter from a debt collector ( RFGI ) that I owed {$230.00} to a company named " XXXX ''. I immediately tried to call eharmony but there were no responses nor any valid online phone numbers. I followed up with a call to RFGI which I informed them that I did not have any services with XXXX. That same day, I filed a file report to notify my local precinct that my identity had been stolen to create this account. The case number is XXXX. I am requesting that your agency notify RFGI and XXXX that any charges are identity theft-related and should be removed.
06/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 333XX	Web
ROZLIN FINACIAL GROUP XXXX XXXX XXXX XXXX, IL XXXX. Has been nonstop calling me harassing my life at early morning times like XXXX XXXX and even sometimes at XXXX late night. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with company. I when I call them, they said the collection is from a storage unit in XXXX. I never been to XXXX. Please they do not stop calling me and I have repeatedly told them to leave me alone. The Company does not have a contract with my signature.
01/31/2024	Yes	Debt collection Other debt	Electronic communications Frequent or repeated messages	TX 75039	Web
I have had no business transactions with Rfgi ( rozlin financial group, inc ) and they are sending me repeated emails to collect money. I have never done any business transactions with this company. I dont have any contract with them. They have no legal proof or proof of review of any collections account by an attorney. They are harrasing me by sending multiple emails for the money which I never owe them. I dispute their claims that I owe them any money. I have never done any transactions with them. I dispute their debt claims.
09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 078XX	Web
XXXX XXXX XXXX XXXX ( {$2900.00} ) on my credit report without my consent ( open on XX/XX/2022 ) In according with the fair credit reporting act, this creditor has violated my rights, under 15USC 1681 section 602 state I have the right to privacy. 15USC 1681 section604a section2 it also state a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open a consumer account as late payment.
08/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28562	Web	Servicemember
XXXX XXXX I was contacted by RFGI Collections stating that i owed XXXX dollars for rent when I lived with XXXXXXXX XXXX XXXX in XXXX Florida for the month of XX/XX/XXXX. I sent them bank statements XXXX XXXX showing that I paid my rent on time and for the full amount. I called to follow up with them XX/XX/XXXX to see if that was sufficient enough and they said it doesnt matter you still owe the money even though I had paid my rent in full for a year on time and in full that i still owe this money.
02/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60073	Web
I need validation of debt. They are saying this is for debt for " XXXX '' This was a federal program that paid for childcare. The only issue is, my child is XXXX. She went to that program when she was XXXX There is no way I owe any of this type of debt. It was a government program more than 13 years ago. On top of that, I was never contacted, sent any information and disputes with XXXX XXXX come up as it being valid. How is this valid if it was a government paid program from 13 years ago??
10/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA XXXXX	Web
I received a notice from XXXX about a charge from XXXX XXXX never signed up for a membership with XXXX and thought my personal information may have been compromised. I asked for validation of this debt, they received it on XX/XX/XXXX, its dated for XXXX XXXX and I received this on XX/XX/XXXX. After further inspection provided by XXXX, they have payment with a credit card and then a XXXX. There are no credit card numbers or XXXX numbers provided. No contract agreement provided with my signature.
05/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76133	Web	Older American, Servicemember
The original creditor was XXXX, account number XXXX. The current creditor is Rozlin Financial Group , Inc. account number XXXX. They say this debt originated XX/XX/XXXX. I received a response from RFGI requesting additional information to properly investigate the claim. The following information was provided to RFGI on XX/XX/XXXX ( Copy of the FTC Identity Theft Report, Government Issued ID, and Utility Bill ) via email ( XXXX ) I would like to have this removed from my credit report.
06/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI XXXXX	Web
About a year ago someone had made an XXXX account pretending to be me. They somehow got my XXXX account and debt card info. At some point i got an email about my account being charger and called XXXX about it. XXXX was the rep i talked to. He assured me the account was deleted and told me that no payment would be collected and to delete my paypal account. So i did, now I have a bill from the a debt collection office ( RFGI collection ) and they are requiring me to contact you guys.
01/30/2024	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 303XX	Web
My information was comprised during a data breach and a debt collector by the name of Rozlin financial group started contacting me about a collection i totally unaware of i contacted the XXXX credit Bureau asking the to remove the collection or send me a Wet copy of the document with my signature showing that i agreed to the debt, it been more then XXXX days and they have not provided any information, XXXX removed the collect but XXXX and XXXX are still reporting the collection.
01/11/2024	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30291	Web
I filled out a form from the company stating that I did not open a loan for school because I was not in the state they confirm I was living in and I had no recollection of them or their school. They approved and sent over a letter stating they are no longer asking for me to pay and it should fall off my credit report in 5-10 business days. It did not. I disputed it with XXXX XXXX and they did nothing about it. I have the letter for proof so the collection can fall off
11/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30032	Web
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ROZLIN FINANCIAL GROUP L HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A STATE I HAVE THE RIGHT TO PRIVACY, 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CANNNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 166B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
10/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IA 52405	Web
I received a debt letter from a 3rd party company that was sold debt by XXXX. My account had been closed with XXXX because they locked it saying I had an inappropriate caption on a photo. They can't require me to pay membership fees for an account I can not access, so I set up a block on my bank account to stop the fees coming out. I have no business relationship with this 3rd party who was sold debt I don't owe, so I am not paying it.
04/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60506	Web
My wife and I rented an apartment for 1 year. We moved out at the end of our lease, the landlord continued to bill us months beyond the close of the lease. Landlord did not return our deposits ( {$1600.00} ) Landlord is a well known slumlord and thief of deposits. Landlord then hires or sells the fraudulently manufacturered debt to a debt collection service ( XXXX ). The landlord is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois.
09/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WV 250XX	Web
A debt with XXXX XXXX XXXX It which was incurred in late XXXX, was sold to Rozlinfingrp and a new date of XX/XX/XXXX was documented as the date reported. When I spoke to the representative from Rozlinfingrp I explained to her that the date was wrong and that the debt was seven years old. The representative said they actually had until XXXX to collect on the debt, which would make the debt older than seven years old.
02/22/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 91701	Web
This collection company ( ROZLIN FINANCIAL GROUP ) is trying to collect on a fraudulent debt ( {$25000.00} ). I NEVER agreed to this debt ( {$25000.00} ) and have no idea on where the amount they are trying to collect on is from. I have asked numerous times to show proof of debt and they refuse to provide any proof i owe this debt. I have disputed through the credit bureaus ( XX/XX/2021 ) as well with no resolve.
01/27/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 93550	Web
ROZLIN FINANCIAL GROUP HAS BEEN TRYING TO COLLECT FOR DEBT WITHOUT PROOF OF OF THIS DEBT, HOW IT WAS CALCULATED OR ANY CONTRACT FOR THE SUPPOSED SERVICE, LIST OF SERVICE, ETC. THEY'RE DISREGARD FOR MY RIGHTS HAS CAUSED THE ERROR IN REPORTING WHICH HAS LOWERED MY QUALITY OF LIFE. THE AMOUNT THAT THEY ARE TRYING TO COLLECT IS {$1900.00} THAT THEY HAVE NOT EXPLAINED AND SHOULD BE DELETED.
01/18/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	KY 400XX	Web
I advised the debt collectors that I was exercising my right to arbitration and was told the collection would be put on hold and received an email stating. Per the collector the creditor told them I was not proceeding which was not correct. I never received any correspondence stating the collection was taken off hold and found out about the collection when I received an a credit alert
08/08/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 49201	Web
Started free trial with XXXX, canceled within 7 days and was notified by XXXX that Michigan does not do free trials that the had advertised. Canceled subscription. Then received bill from collectiok agency for over {$200.00} stating subscription fees due but subscription was canceled within 7 day period and never anywhere stated amount due was this much.
10/18/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11103	Web
I made 4 different attempts to validate this debt with RFGI, I requested the company send me A purchase agreement they have with the " original creditor '' that gives them the right to collect and report this debt to my credit report. Also a original contract proving my liability for such debt They did not provide me with any of this information
10/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60459	Web
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
04/11/2019	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	PA 19146	Web
XX/XX/19 the guy called stating I owe them {$6000.00} for a student loan. The loan was for my sister, whom since XXXX from college about 20 years ago and continue to pay student loans to this day. However Im receiving this phone calls. I gave the guy her numbers and he stated he spoke with her, but continuously calls my phone for this debt.
09/18/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75208	Web
Rozlin Financial Group is attempting to collect a business debt and has placed the amount on my personal credit report. The debt was also illegally obtained without a written notice of the debt. XXXX has illegally shared my information with Rozlin Financial Group and has refused to own up to breaching the contract with XXXX XXXX.
03/01/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	UT 84003	Web
Rozlin Financial Group collected debt from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX didn't have the right address or phone number for me and I never was noticed of a payment I needed to make. I found out years later that this was on my credit report. I then payed it but I still need this to be removed from my report. I don't deserve this.
09/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60115	Web
Ive been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. This is causing emotional distress and a violation of my rights via the FAIR CREDIT REPORTING ACT. I am taking legal action to resolve this deletion of the unverifiable negative items from my consumer report.
04/07/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32304	Web
XXXX sent my personal debt to my parents. I do not live there nor have I ever lived there. I am XXXX XXXX XXXX adult. How dare you disclose my private information to my parents when I am a legal adult. How DARE YOU?! Notice sent on XX/XX/28 by XXXX of Rozlin Financial Group!!!! HOW DARE YOU STOOP SO LOW TO EMBARRASS ME?
03/21/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 11373	Web
I did not agree with renew my subscription to XXXX. I contacted the website and cancelled the subscription. They refused it and said I have to pay the amount I didn't agree with. Now they scam me by sending my information to dept collector and I didn't use any of they services. I cancel the subscription long time ago.
01/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30306	Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission and instructions.
09/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60803	Web
I am receiving a bill from a collection agency for the amount of XXXX from RFGI Collection. The original creditor is XXXX. This company contacted me via email first and I told them not to contact me again. However, this company is still contacting me by phone and email. I would like this debt removed immediately.
01/05/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77047	Web
In 2017, an account from was open in my name. I had no knowledge of this account until it was placed on my credit report. Since then I have been disputing this account I have asked the company for accurate information they have not provided all accurate information. Now it in collections on my credit report.
11/09/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KY 40216	Web
rozlin financial group put collection in my credit report on XXXX XXXX for {$1400.00}. this is not my account nor i have debt with them. i think this is somebody who steal my information and opened account.i called the company and told them this is not my account and they still put in my credit report
05/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 758XX	Web
This company refused to send a signed contract bearing my signature on it showing I owe the debt. I waned document showing when this account was originally open. And make sure its not a zombie debt or a re aged debt. This company only provide me with internet print out with hardly no info on it
08/03/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	PA 19150	Web
Online dating site XXXX. I signed up. And was not happy with there products. It was not as advertised. I requested a refund. I didn't receive adequate response. So, I made a complaint to my bank. They are trying to charge me for services. I didn't use nor do I no longer want.
05/26/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 95301	Web	Servicemember
They continue to submit to the reporting bureaus every other month or so with false information. My debt started in XXXX of 2015, they keep submitting that the debt was just opened and it subtracts 15 or so points off of my Credit Score every time.
10/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SC 29506	Web
XXXX XXXX sold the debt of {$1500.00}. that is a violation of the Fair Debt Collections Practices Act. I have no contract with Rozlin Financial Group who bought the debt from XXXX XXXX and have a balance of {$2700.00} showing on my consumer report
02/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY 117XX	Web
Rozlin Financial just opened a debt t on my credit report as collections .... this account was taken off my credit report as a bankrupcy years ago and now they opened it again ... it was through XXXX ....
12/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL XXXXX	Web	Servicemember
On XX/XX/2020 ROZLIN FINANCIAL GROUP placed a collection on my credit for {$54.00}. I do not owe this company any money. This collections account was placed on my account illegally. Please assist ASAP!
09/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NE 68123	Web	Servicemember
I received a letter from RFGI stating that I owe money to them for XXXX I have not been a customer of XXXX for some time and cancelled my subscription. RFGI has not provided any proof this debt.
06/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07036	Web
I have disputes two collection account on my credit report one that is illegal and affecting me from renting a apartment because it comes up as an eviction both collections
04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07112	Web
I been trying to get information from this company for months now to show that this debt is mine and when did I sign for it. Still no response.
07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33181	Web
XXXX XXXX XXXX applied a balance on my credit report of XXXX on XX/XX/XXXX, For a company call XXXX XXXX XXXX... last reported on XX/XX/XXXX
08/18/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OK 743XX	Web
I was given documents that showd i owed {$5000.00} for XXXX gear ( worth {$100.00} ) from XXXX XXXX that I had just shy of 5 years ago.
09/21/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60409	Web
An unauthorized medical account is being reported on my credit profile, I never have been to XXXX XXXX in my life ever.
09/13/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30319	Web
Someone use my identification to open up an account with rozlinfingrp for {$1300.00} on XX/XX/2022 I did not do this
10/26/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	IL 60419	Web
I have requested an original signed contract and they have yet to send me a copy. I don't owe this debt.
12/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98028	Web
I disputed this thru XXXX this is not my account there is no valid debt please validate my social
07/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Report provided to employer without your written authorization	TX 78148	Web
This loan has been sold to many collection agencies without my knowledge!
10/19/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60459	Web
repeated harassing phone calls from the company
02/08/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32808	Web

02/06/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	DE 19805	Web

01/31/2024	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31324	Web

12/11/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30083	Web

12/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11374	Web

12/02/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89104	Web

12/01/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60652	Web

11/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 99209	Phone

11/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22303	Web

11/20/2023	Yes	Debt collection Telecommunications debt	Electronic communications Frequent or repeated messages	MA 01257	Web	Older American

11/10/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	VA 22303	Web

10/30/2023	Yes	Debt collection Other debt	Electronic communications Frequent or repeated messages	TX 77042	Web

10/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10023	Web

08/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45231	Web

07/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32714	Web

06/19/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89052	Web

06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77065	Web

05/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 76133	Phone	Older American, Servicemember

05/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 49503	Web

04/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85756	Web	Servicemember

04/14/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92411	Web

03/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32839	Web

03/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IA 52060	Web

03/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32714	Web

02/25/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60115	Web

02/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	KS 66227	Web

02/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33620	Web

02/08/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	PA 17368	Web

01/26/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76513	Web	Older American, Servicemember

12/21/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92804	Web

12/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60423	Web

11/30/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30656	Web

11/24/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30310	Web

11/14/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 65738	Web

11/07/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IN 47022	Web

10/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32805	Web

10/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	FL 33837	Web

10/18/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30058	Web

09/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85382	Web	Servicemember

09/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76116	Web

09/02/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77640	Phone	Older American

08/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30349	Web

08/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 64129	Web

07/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33596	Web	Servicemember

06/09/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 30035	Web

06/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 65043	Web

05/03/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 31405	Web

04/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75137	Web

04/19/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OR 97402	Web

04/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08016	Web

03/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33319	Web

03/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77520	Web

02/03/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77642	Web

12/23/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 14618	Web

11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WI 53216	Web

10/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30016	Web

10/18/2021	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30802	Web

09/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11214	Phone

07/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 333XX	Web

07/15/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31406	Web

07/07/2021	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	WI 53081	Web

06/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11360	Referral

06/23/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07017	Referral

06/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07304	Web

06/18/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92255	Web

03/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours		Phone

02/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91776	Web

02/09/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77025	Web

01/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60637	Web

01/18/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 90291	Web

01/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 12308	Web

01/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11550	Web

11/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29009	Fax

11/06/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89108	Fax

10/19/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10467	Web

10/15/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76654	Web

10/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30071	Web

09/02/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75074	Web

08/31/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75074	Web

08/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92804	Web

08/18/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AR 71854	Web

04/19/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	SC 29651	Web

02/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85043	Web

02/10/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	PA 17701	Phone

01/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WI 54455	Web

12/26/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55125	Web	Servicemember

12/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 31054	Web

11/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 35810	Web	Servicemember

11/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75074	Web

11/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75029	Referral

10/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29405	Web

10/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 77053	Web

08/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30097	Web

05/18/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IN 46219	Web

05/03/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63116	Web

04/03/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33441	Web

03/26/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount		Phone

02/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46229	Web

12/25/2018	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60115	Web

11/15/2017	No	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 28166	Postal mail

07/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77584	Web	Older American

09/06/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	PA 15301	Web

06/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33990	Web

03/06/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	IL 61822	Web

02/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 08602	Web

01/02/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened arrest/jail if do not pay	PA 17319	Web

09/18/2014	No	Debt collection Credit card	Disclosure verification of debt Not disclosed as an attempt to collect	WA 98087	Web

09/10/2014	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted me after I asked not to	HI 96748	Web	Servicemember

07/04/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	FL 32225	Web

05/11/2014	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	IN 47304	Web

05/07/2014	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	FL 34761	Web

04/02/2014	No	Debt collection I do not know	Communication tactics Called after sent written cease of comm	AZ 85251	Web

03/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 93105	Web

03/07/2014	Yes	Credit card	Unsolicited issuance of credit card	CA 94545	Web

02/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	KY 41537	Web

01/16/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78244	Phone