Consumer complaint received 2021-01-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rozlin Financial Group, Inc. (PA)

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 <XXXXXXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX  To : XXXX, XXXX XXXX Subject : [ External ] XXXX, Let 's discuss payment options for your past due " XXXX XXXX XXXX ( dba XXXX ) '' account ATTENTION : This email message is from an external sender. Do not open links or attachments from unknown sources. To report suspicious email, forward the message as an attachment to XXXX. 

XXXX, Your " XXXX XXXX, XXXX ( Dba XXXX ) '' account with a current balance of {$4500.00} has been assigned to me for collections. I have been authorized to negotiate payments that fit your budget. XXXX, how much you can afford per month that fits your budget to resolve your debt obligation? 

It's important that we speak at your earliest convenience to setup payment arrangements. 



I responded back the following : From : XXXX, XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX <XXXXXXXX Subject : Re : [ External ] XXXX, Let 's discuss payment options for your past due " XXXX XXXX  XXXX ( dba XXXX ) '' account Please do not use my work email for this purpose. I did not authorize contact via e-mail, and all of my work e-mails are subject to review by others within my office. Making this a HUGE privacy violation. 

Also, I have no knowledge of this account as I have stated MANY times. My response is not going to change. I am not paying {$4500.00} for an account I know nothing about and that sounds like an absolute scam. Ive also asked for proof of this account and have received nothing but a statement from your office saying I owe {$4500.00}. Please provide me with something I physically signed showing that I ever agreed to whatever this is. You wont be able to do that, because this account/loan/whatever, is not mine and was not taken out by me. 


Shortly after I received this last response : Hi XXXX, We were unaware this was a work email. This was the email provided to our client when service was signed up for and our client provided it to us as a contact. Consent was given when it was provided to our client. This will be our final communication on this email now that we are aware. 

The account has been noted with your dispute. When reported to the bureaus on XX/XX/XXXX it will be reported as in dispute. We can provide you with the electronically signed contract we received from our client. For security purposes, we will need you to verify your date of birth and I can forward the contract to a different email if you provide a better one to contact you on. 

XXXX XXXX Rozlin Financial Group , Inc . 
Address XXXX XXXX XXXX XXXX, IL XXXX Office ( XXXX ) XXXX Website https : //www.rfgionline.com Pay Now https : //www.rfgionline.com/pay ********************************* I'd like to state that this is a GOVERNMENT e-mail address. I would never, and have never given it out to any client. So I'm not sure how they actually got it, but I didn't give it to their client and thus never authorized any sort of communication via this e-mail address. 

Additionally, per FDCPA they can not report to my credit while I am disputing the debt. However, there it is in black and white, the threat that they will be adding this to my bureaus on XX/XX/XXXX in attempt to bully me into paying a debt that I do not owe. 

They only offer to provide me with an electronically signed contract, however, I've never electronically signed anything with XXXX, and I did request that they send me a copy of the IP address used to sign this agreement, as it will show, it wasn't me.