Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rozlin Financial Group, Inc.
State: AZ

Complaint narrative:
I am filing this complaint regarding a debt collection matter involving XXXX  as the original creditor and RFGI as the third party collection agency. 

I was contacted by RFGI regarding an alleged licensing reimbursement debt. This was the first time I became aware of the claim. Prior to this third party contact, I did not receive any phone call, mailed letter, or confirmed writtenten notice from XXXX regarding a final demand or intent to send the account to collections. 

XXXX asserts that a Final Demand Letter dated XX/XX/XXXX was sent. I did not receive this letter, nor did I receive any phone call or physical mail regarding this matter. If email communications were sent, they were not acknowledged or confirmed as received. Email only communication does not provide proof of notice or acknowledgment for an employment related financial claim of this nature. 

Because I was not given proper notice or a meaningful opportunity to review or dispute the claim prior to assignment, the debt was prematurely and improperly sent to a third party collection agency. I formally disputed the debt after being contacted by RFGI. 

The alleged debt relates to licensing expenses incurred during employment that were mandated by XXXX  for business purposes. I was already licensed prior to rehire, did not voluntarily request additional state licenses, and was not permitted to independently pay for only the licenses I wanted to hold when I requested to do so in XXXX XXXX. These facts further call into question the validity and enforceability of the claimed debt. 

I no longer hold or originate mortgage loans in approximately 90 % of the states for which XXXX  required licensing. These licenses did not provide a lasting or transferable benefit to me and existed primarily to serve XXXX  business model during my employment. This further demonstrates that the licensing expenses were employer driven and not a personal obligation. 

If this disputed debt is reported or remains in collections, it could cause direct financial harm by negatively impacting my credit profile. As a licensed mortgage professional, maintaining creditworthiness is relevant to my ability to remain compliant with certain state licensing and regulatory expectations. The improper placement of a disputed employment related claim into collections creates a risk of professional harm beyond ordinary consumer inconvenience. 

I believe XXXX  actions and the subsequent collection attempt may violate the Fair Debt Collection Practices Act, including failure to provide proper notice, misrepresentation that notice occurred, and improper assignment of a disputed employment related claim to a third party collector.

I am requesting that this matter be reviewed and that collection activity be halted and withdrawn unless and until the creditor can demonstrate proper notice, acknowledgment, and lawful assignment.

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