Consumer complaint received 2024-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc. (GA)

I got a membership with XXXX on XX/XX/XXXX. The initial payment was for 3 months of service, which was paid. As per the contract part XXXX, " You may cancel your premium membership at any time during the term. '' Unfortunately, I ran into some financial difficulty in XXXX and communicated this to an eHarmony rep via phone on XX/XX/XXXX in which I requested to cancel the membership and informed them that if they did attempt to process payment, it was not going to go through ( and that they were not the only subscription service I was reaching out to cancel ). On XX/XX/XXXX, they proceeded to try and process the payment anyway. They also shut down ALL access to the account, I could not log in even for the " free '' version of the website. I reached out to them by phone and email on XX/XX/XXXX. I was told " As we have now carefully reviewed Customer Cares original denial of your request and found it appropriate, this decision will be final. Unfortunately, we are unable to provide any further consideration of your request '' with no further explanation ( signed XXXX. XXXX  ). I messaged them back within an hour : " Please reconsider cancelling and terminating agreement, I would be happy to get a written cancellation in the mail by the end of this week. Thank you very much ''. This time, I got the EXACT same email, only difference was that this was signed " XXXX XXXX ''. I also mailed a letter to them on XX/XX/XXXX specifically requesting to cancel the account and that, per the contract, I was allowed to ( providing that I didn't want a refund for 2 months ... .remember, I paid for XXXX already ). This time, I got no response, by letter or by email or by phone. So just to make sure, I sent ANOTHER letter to them on XX/XX/XXXX, this time with a print out of their own contract and highlighted portions that showed they could cancel the account and end the membership. Again, I heard nothing. 

In early XXXX, I received a collection notice from XXXX stating that " Your XXXX debt obligation is significantly past due. '' So I followed the instructions on their webpage to request validation of payment. 

Today, I received XXXX 's validation documents. They included the initial summary of the purchase in XXXX. They included XXXX 's email the day after I called asking to cancel the first time ( dated XX/XX/XXXX ), they DID NOT INCLUDE the XXXX emails that contained back and forths between myself and XXXX requesting that the contract be honored, and they also failed to include the letters I sent on XX/XX/XXXX and XX/XX/XXXX respectively. However, they did include XXXX emails which appear to be from XXXX to my email address. I didn't remember anything, so I checked my spam AND my trash in that email account for anything from XXXX. None of the three could be found anywhere ( and during this time, the email account has worked with no problems. The last email that XXXX sent to me is dated XX/XX/XXXX at XXXX XXXX. There was nothing sent on XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX by XXXX or XXXX. They forged documents for a validation.