Consumer complaint received 2022-09-13
Company: Rozlin Financial Group, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
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.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation