Rozlin Financial Group: Who They Are and Your Rights

Type

Collection agency

Also known as

Rozlin Financial Group, Inc.; RFGI

Headquarters

Sycamore, IL

Collects

fintech and financial accounts, lease and rent-to-own accounts, retail and subscription accounts, school, tutoring and tuition balances, property management and landlord balances, healthcare provider bills

Phone numbers it lists

(866) 217-9080

Website

rfgionline.com

279 debt collection complaints were sent to the Consumer Financial Protection Bureau about Rozlin Financial Group, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Rozlin Financial Group?

Rozlin Financial Group, Inc., which signs as RFGI, is a third-party collection agency. Its contact page lists a physical office at 1680 Mediterranean Drive, Suite 104, Sycamore, Illinois 60178, and a mailing address of P.O. Box 537, Sycamore, IL 60178-0537. Consumers can reach it toll-free at (866) 217-9080 or by text at short code 58188, and it takes online payments by card, HSA card or eCheck.

The company publishes NMLS ID 1135103 and says it belongs to ACA International and RMAI. We did not find a CFPB enforcement action against Rozlin Financial Group.

Why Rozlin Financial Group May Be Contacting You

RFGI's website describes a broad client mix: financial and fintech companies, lease and retail accounts, subscription services, schools, colleges and tutoring programs, property managers and landlords, and healthcare providers. That spread means a Rozlin letter or text could concern almost anything from an online installment loan or a rent-to-own lease to a past-due tuition bill or apartment move-out balance. The notice should identify the original business that placed the account.

Texts from a short code are a real feature of this agency, so don't assume an RFGI text is a scam. Still, verify it by calling the number on the company's own website before paying.

How to Check a Debt Rozlin Financial Group Says You Owe

Because RFGI collects for so many kinds of businesses, start by pinning down exactly which account it is.

• Use the validation notice. It must identify the creditor, give an itemized balance and explain how to dispute (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing before the deadline. For a lease or rent-to-own account, ask for the contract and payment history. For a landlord balance, ask for the move-out statement and any deposit accounting. For tuition, ask for the enrollment and billing record.
• Ask who owns the account now. Fintech and subscription balances are sometimes sold; you're entitled to know the current creditor.
• Compare the numbers. Check the balance against your bank records and look for added fees or interest you never agreed to.
• Watch the limitations period. Texas generally allows four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states set their own periods.

What Rozlin Financial Group Can and Can't Do

An agency collecting consumer debts for others is a "debt collector" under 15 U.S.C. § 1692a(6), so the FDCPA and Regulation F govern RFGI's consumer collections.

• Texts and emails: Electronic messages must include a simple way to opt out, and you can tell it to stop using a particular channel (12 C.F.R. § 1006.6(e)). See can debt collectors text or email me?
• Call frequency: More than seven calls in seven days about one account is presumed to be harassment (12 C.F.R. § 1006.14(b)(2)).
• Fees: It may not collect any amount, such as a convenience or processing fee, unless the agreement or law permits it (15 U.S.C. § 1692f(1)). Read about pay-to-pay fees.
• Rental debts: It may not misstate what a landlord is owed or report a disputed balance without noting the dispute (15 U.S.C. § 1692e(8)).

For more, see how to dispute a debt with a collector or our FDCPA attorneys page.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Rozlin Financial Group or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Rozlin Financial Group: home page
• Rozlin Financial Group: Contact
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Rozlin Financial Group, Inc., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Rozlin Financial Group has violated any law. Company details change; tell us if something here is out of date.