Rozlin Financial Group on Your Credit Report: What to Know

Rozlin Financial Group, Inc. (RFGI) stands out among debt collectors covered here for an unusual reason: they hold an A- BBB rating with 4.57 stars across consumer reviews, and a 4.5-star average across hundreds of Google reviews. For a collection agency, that is exceptional.

Their documented complaint patterns are still worth knowing. Multiple complaints allege RFGI collected on debts that were never owed, and failing to provide validation when requested is the most consistent documented issue. A documented BBB complaint describes RFGI pursuing $103.95 on behalf of eHarmony for a charge the consumer says was never successfully made to their card.

This guide covers who RFGI is, their documented patterns, and how to respond.

Who Is Rozlin Financial Group?

Rozlin Financial Group, Inc. (RFGI) is a licensed and bonded debt collection agency founded in 2008 in Sycamore, Illinois. The company employs 26 people, serves over 1,200 clients, and is BBB-accredited since 2012. RFGI is a member of ACA International and the Receivables Management Association International.

RFGI collects across utilities, leases, credit cards, retail, consumer loans, auto loans, dental, medical, professional services, and mortgages. Their own website notes they do not collect in all states but does not specify which states are excluded. RFGI is not known for suing consumers and has had no federal court cases since 2015.

The eHarmony Complaint and Collecting Debts Not Owed

A documented BBB complaint describes a consumer who received an RFGI collection letter stating they owed $103.95 allegedly on behalf of eHarmony. The consumer stated no such charge was ever successfully made to their card and that they did not owe the amount.

RFGI is a confirmed eHarmony collector. If RFGI is pursuing a subscription or service fee balance you do not recognize, verify directly with the original company before engaging RFGI. Ask the original creditor to confirm whether the charge was successfully processed, whether RFGI has authority over the account, and what the outstanding balance is in their own records.

Failing to Validate When Requested

The most consistent documented complaint category against RFGI is failing to provide debt validation when consumers request it. Multiple complaints allege RFGI did not validate the debt when asked, despite the FDCPA requiring validation within 30 days of a written request.

RFGI’s own BBB response to validation complaints is typically to mail a response letter with documentation. If you send a certified mail validation request and RFGI does not respond within 30 days, file a CFPB complaint immediately and dispute the credit bureau entry simultaneously, noting that validation was requested and not received.

States Where RFGI Does Not Collect

RFGI’s own website states they do not collect in all states but does not publicly disclose which states are excluded. If RFGI is contacting you, verify they hold a current collection license in your state.

Your state’s attorney general or banking regulator maintains a searchable database of licensed collectors. A collector operating without a valid state license may not be legally authorized to collect the debt in your state.

What RFGI Cannot Do Under Federal Law

The FDCPA applies to Rozlin Financial Group. Under federal law, they cannot:

• Collect on debts the consumer does not owe: A documented complaint category including the eHarmony case.
• Fail to provide validation documentation within 30 days of a written request: The most documented RFGI complaint category.
• Collect in states where they are not licensed: Their own website acknowledges geographic limitations.
• Use harassing or abusive language: Standard FDCPA prohibition.
• Call outside permitted hours: Contact is only allowed between 8 a.m. and 9 p.m. in your time zone.

File complaints at consumerfinance.gov. Illinois residents can also file with the Illinois Department of Financial and Professional Regulation at (888) 473-4858.

Verify Before Paying Anything

Send a written debt validation request by certified mail within 30 days of first contact. Ask for the original creditor, the account number, the nature of the underlying account, and the balance at referral.

Then contact the original creditor directly to confirm they referred the account to RFGI, that the balance matches their records, and that the underlying charge was successfully processed.

How to Check Your Credit Report for RFGI Errors

Pull your credit reports from all three bureaus at AnnualCreditReport.com. Search under Rozlin Financial Group and RFGI. Is the original creditor identified? Is the balance accurate? Is the underlying charge one you recognize?

Any inaccuracy is grounds for a dispute with each credit bureau.

How Long Can RFGI Legally Pursue the Debt?

Illinois has a 5-year statute of limitations on most consumer debts. The relevant state is typically where you currently reside.

Your Options for Resolving an RFGI Account

Once you have verified the debt:

• Verify with the original creditor first: The eHarmony case shows the importance of confirming the charge was actually processed.
• Check state licensing: RFGI does not collect in all states; verify they are licensed in yours.
• Send validation by certified mail: RFGI’s documented response pattern is to provide documentation after a formal complaint; a certified mail request creates the same requirement.
• Negotiate a settlement: RFGI has a documented history of resolving disputes. Get any agreement in writing before paying.

How to Contact Rozlin Financial Group

Handle all communication in writing:

• Address: Rozlin Financial Group, Inc., 1680 Mediterranean Drive, Suite 104, Sycamore, IL 60178
• Mailing address: PO Box 537, Sycamore, IL 60178
• Phone: (866) 217-9080

Bottom Line

Rozlin Financial Group is one of the better-rated collection agencies covered here, with an A- BBB rating and 4.5-star consumer reviews. Their most documented issue is failing to provide validation documentation when requested.

Send all validation requests by certified mail. Verify with the original creditor that the underlying charge was actually processed before paying anything RFGI claims you owe.