Consumer complaint received 2022-01-19
Company: Rozlin Financial Group, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation