Initial Business Response / [redacted] (1000, 5, 2015/01/02) */ We just acquired this account on December 15, On December 16, we made one call to each of two phone numbers we received when we acquired the accountThe first was to the number Ms [redacted] provided in the complaintThe second was to a number ending in Neither call was answeredThose are the only two phone calls we have placed on this account On December 23, we sent our "Initial Dunning Letter", which gives Ms [redacted] days to dispute the validity of the debt That is the entirety of our collections efforts to date, so if she is getting calls, "to sometime times a day threatening me with jail time and courts...", they haven't been from us In fact, if she is getting that many calls in a day from ANY collection agency, and/or being threatened with jail time and lawsuits, she should get an attorney and file suit against that agency...even if it's us...since she's right about that being illegal We also haven't credit reported the account since it's too old to credit report Regarding her claim that the account is "illegal", we requested original documentationThe company from which we acquired the account informed us no documentation would be available to us For that reason we are permanently closing the account So Ms [redacted] won't receive any more letters or phone calls from usNor will we credit report the accountNor will we place it with, or sell it to, another entityIf she ever again gets calls about this account, they won't be from usI say that because if she's getting calls about this account from another agency, I'm concerned this account may have been "double-sold" by the previous owner
Initial Business Response / [redacted] (1000, 5, 2014/06/30) */ Our company is Rozlin Financial Group, IncWe are a licensed collection agency On November 25, we purchased a bad debt which listed Ms [redacted] as the consumerJust recently Ms [redacted] disputed our reporting of this account through the Credit Reporting AgenciesOn June 26th, we responded that we believe we are accurately credit reporting the account based on the information we currently possessAnd today we sent Ms [redacted] a letter, along with a copy of the loan agreement, in order to show her WHY we believe we are accurately reporting itShe should receive our letter by the end of the weekIn the meantime I have uploaded a PDF of the loan agreement, which is the basis of our credit reporting Finally, if Ms [redacted] wanted to know who we are or what this was about, she could have called the phone number XXX-XXX-XXXX, which we furnished in our response to her credit bureau dispute (and in all correspondence mailed to her thus far), since that number is furnished so consumers can call us with questions/concerns We didn't get an "A" rating with the Revdex.com by being unscrupulousIf we are in error we will swiftly, and happily, correct any mistakes we have madeAll we ask is that consumers communicate with us directly in order to resolve any issues Thank you for your time Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/06/30) */ (The consumer indicated he/she DID NOT accept the response from the business.) First and foremost the company stating that they notified me of this by letter is a complete lieThe only reason I knew of them is because it was on my credit reportThey never sent me anythingFurthermore if a letter was mailed out I am 100% sure it was typed today and back dated because the Revdex.com contacted the company concerning this matter Final Business Response / [redacted] (4000, 21, 2014/07/18) */ Fine, Ms [redacted] win! We have already ceased our collections efforts, and now we will delete our reporting of the account We're not deleting it because we did anything wrongWe suggested Ms [redacted] get an attorney because we would have been very comfortable defending ourselves Instead we're deleting it because it's simply not worth the hasslePlease allow up to five business days for this to be accurately reported Since Ms [redacted] original desired resolution was to have us remove the account from her credit report, I trust this is satisfactory? Final Consumer Response / [redacted] (3000, 19, 2014/07/11) */ 7/3/ I absolutely do not accept their response or their play on legal jargon.I could care less if you have some paperwork that doesn't even have my signature on it.It is just a document with varying dates and my name typed in at the bottom of the paperwork.Furthermore, I have done my research and googled the name [redacted] of [redacted] and this named company is some internet payday loan company that has several complaints on the internet for fraudulent loans as well as varying chargesI will not pay anything that I do not recall or feel that I oweThis company that you are collecting for in my opinion seems to be a very shady operation based on the wealth of information on the internetAfter reading all of the information from the internet.A few years back I did have to make a report with the Federal Trade Commission concerning some place like this that had my information and stated I owed them money for a loanAfter contacting the Federal Trade Commission they dropped it and stated that I didn't owe them monies.I am beginning to think this is the same company who is now trying to do the same thing yet again.You want proofWell,I will make sure to call the Federal Trade Commission on Monday to see how far back their records date.Hopefully they will be able to retrieve my complaint I filed a few years back.Bottom line I know my rights and I will not let a collection agency bully or threaten me with legal jargon to get me to pay anythingAs far as you referring to your A rating with the Revdex.com, well that's plausible depending on by what standard?My concern is not some snarky letter written by an individual who throws around legal jargon.My concern is getting the situation resolved but not being robbed of my monies for something I do not owe This company has not resolved this issue to my satisfaction If you want proof here is all the proof the Revdex.com needs http://www[redacted] .com/2012/11/21/XXXXX.htm I will not be a victim of fraud 7/4/ I do not accept this response
I have been working with Manny [redacted] to settle my husbands school housing debt and he was very descriptive about the payments plans and gave us so many choices to make sure the payments didn't hurt our familyHe was a great guy!
My rep was Manny [redacted] The call was quick, clear, and to the pointI rarely can say that and experience in debt collection is pleasant but this one was! Much appreciation
I received a collection notice today from RFGI in regards to an old utility bill I thought my girlfriend paid I called and spoke to Manny he was very pleasant and worked with me to figure out the best options for meI don't like collection companies but it was a good experience
I was verry impressed with manny from RFGI when he calledI was at work and asked if he could not call during the dayWe agreed on a time for him to call and he respectfully did and apologizedThrew out the weeks of dealing with manny my family had endured multiple emergenciesHe respected that I had other things to attend to every time he called and was verry courteous through everything Great job Manny, (RFGI)
Spoke with Sara [redacted] at Rozlin FinancialThe dept I was informed I owe was from my divorce and my ex wifesI was able to talk with Sara and we came to an agreement on paymentsBecause Sara was so AWESOME, NICE, PROfESSIONAL, etcthe call could not have gone betterIn fact this was the only pleasant call I have ever had from a collections group (and I have had several because of my divorce and the divorce settlement) Financial groups need more people like Sara making calls and collecting debtsShe is the best of the bestA really sweet and intelligent ladyThis is what ALL credit reps should strive for ***
Initial Business Response / [redacted] (1000, 5, 2015/01/02) */ We just acquired this account on December 15, On December 16, we made one call to each of two phone numbers we received when we acquired the accountThe first was to the number Ms [redacted] provided in the complaintThe second was to a number ending in Neither call was answeredThose are the only two phone calls we have placed on this account On December 23, we sent our "Initial Dunning Letter", which gives Ms [redacted] days to dispute the validity of the debt That is the entirety of our collections efforts to date, so if she is getting calls, "to sometime times a day threatening me with jail time and courts...", they haven't been from us In fact, if she is getting that many calls in a day from ANY collection agency, and/or being threatened with jail time and lawsuits, she should get an attorney and file suit against that agency...even if it's us...since she's right about that being illegal We also haven't credit reported the account since it's too old to credit report Regarding her claim that the account is "illegal", we requested original documentationThe company from which we acquired the account informed us no documentation would be available to us For that reason we are permanently closing the account So Ms [redacted] won't receive any more letters or phone calls from usNor will we credit report the accountNor will we place it with, or sell it to, another entityIf she ever again gets calls about this account, they won't be from usI say that because if she's getting calls about this account from another agency, I'm concerned this account may have been "double-sold" by the previous owner
Initial Business Response / [redacted] (1000, 5, 2014/06/30) */ Our company is Rozlin Financial Group, IncWe are a licensed collection agency On November 25, we purchased a bad debt which listed Ms [redacted] as the consumerJust recently Ms [redacted] disputed our reporting of this account through the Credit Reporting AgenciesOn June 26th, we responded that we believe we are accurately credit reporting the account based on the information we currently possessAnd today we sent Ms [redacted] a letter, along with a copy of the loan agreement, in order to show her WHY we believe we are accurately reporting itShe should receive our letter by the end of the weekIn the meantime I have uploaded a PDF of the loan agreement, which is the basis of our credit reporting Finally, if Ms [redacted] wanted to know who we are or what this was about, she could have called the phone number XXX-XXX-XXXX, which we furnished in our response to her credit bureau dispute (and in all correspondence mailed to her thus far), since that number is furnished so consumers can call us with questions/concerns We didn't get an "A" rating with the Revdex.com by being unscrupulousIf we are in error we will swiftly, and happily, correct any mistakes we have madeAll we ask is that consumers communicate with us directly in order to resolve any issues Thank you for your time Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/06/30) */ (The consumer indicated he/she DID NOT accept the response from the business.) First and foremost the company stating that they notified me of this by letter is a complete lieThe only reason I knew of them is because it was on my credit reportThey never sent me anythingFurthermore if a letter was mailed out I am 100% sure it was typed today and back dated because the Revdex.com contacted the company concerning this matter Final Business Response / [redacted] (4000, 21, 2014/07/18) */ Fine, Ms [redacted] win! We have already ceased our collections efforts, and now we will delete our reporting of the account We're not deleting it because we did anything wrongWe suggested Ms [redacted] get an attorney because we would have been very comfortable defending ourselves Instead we're deleting it because it's simply not worth the hasslePlease allow up to five business days for this to be accurately reported Since Ms [redacted] original desired resolution was to have us remove the account from her credit report, I trust this is satisfactory? Final Consumer Response / [redacted] (3000, 19, 2014/07/11) */ 7/3/ I absolutely do not accept their response or their play on legal jargon.I could care less if you have some paperwork that doesn't even have my signature on it.It is just a document with varying dates and my name typed in at the bottom of the paperwork.Furthermore, I have done my research and googled the name [redacted] of [redacted] and this named company is some internet payday loan company that has several complaints on the internet for fraudulent loans as well as varying chargesI will not pay anything that I do not recall or feel that I oweThis company that you are collecting for in my opinion seems to be a very shady operation based on the wealth of information on the internetAfter reading all of the information from the internet.A few years back I did have to make a report with the Federal Trade Commission concerning some place like this that had my information and stated I owed them money for a loanAfter contacting the Federal Trade Commission they dropped it and stated that I didn't owe them monies.I am beginning to think this is the same company who is now trying to do the same thing yet again.You want proofWell,I will make sure to call the Federal Trade Commission on Monday to see how far back their records date.Hopefully they will be able to retrieve my complaint I filed a few years back.Bottom line I know my rights and I will not let a collection agency bully or threaten me with legal jargon to get me to pay anythingAs far as you referring to your A rating with the Revdex.com, well that's plausible depending on by what standard?My concern is not some snarky letter written by an individual who throws around legal jargon.My concern is getting the situation resolved but not being robbed of my monies for something I do not owe This company has not resolved this issue to my satisfaction If you want proof here is all the proof the Revdex.com needs http://www[redacted] .com/2012/11/21/XXXXX.htm I will not be a victim of fraud 7/4/ I do not accept this response
I have been working with Manny [redacted] to settle my husbands school housing debt and he was very descriptive about the payments plans and gave us so many choices to make sure the payments didn't hurt our familyHe was a great guy!
My rep was Manny [redacted] The call was quick, clear, and to the pointI rarely can say that and experience in debt collection is pleasant but this one was! Much appreciation
I received a collection notice today from RFGI in regards to an old utility bill I thought my girlfriend paid I called and spoke to Manny he was very pleasant and worked with me to figure out the best options for meI don't like collection companies but it was a good experience
Final Consumer Response / [redacted] (2000, 5, 2015/05/07) */ [redacted] Thu, May 7, at 2:PM To: [redacted] " it has been resolvedhow do close it?
I was verry impressed with manny from RFGI when he calledI was at work and asked if he could not call during the dayWe agreed on a time for him to call and he respectfully did and apologizedThrew out the weeks of dealing with manny my family had endured multiple emergenciesHe respected that I had other things to attend to every time he called and was verry courteous through everything Great job Manny, (RFGI)
Spoke with Sara [redacted] at Rozlin FinancialThe dept I was informed I owe was from my divorce and my ex wifesI was able to talk with Sara and we came to an agreement on paymentsBecause Sara was so AWESOME, NICE, PROfESSIONAL, etcthe call could not have gone betterIn fact this was the only pleasant call I have ever had from a collections group (and I have had several because of my divorce and the divorce settlement) Financial groups need more people like Sara making calls and collecting debtsShe is the best of the bestA really sweet and intelligent ladyThis is what ALL credit reps should strive for ***