Complaints

This profile includes complaints for Zwicker & Associates, P.C.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Zwicker & Associates, P.C.

  80 Minuteman Road Andover, MA 01810-1008

• 

  Zwicker & Associates, P.C.

  PO Box 9043 Andover, MA 01810-0943

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In trying to collect a debt that I am using a debt relief program for, they are contacting my employees and friends. This is illegal and unacceptable.

  Customer Answer

  Date: 04/13/2025

  I have not heard from the business in response to my complaint.

  Business Response

  Date: 04/18/2025

  Via Electronic Submission
  Better Business Bureau
  5 Mt. ********************
  *************** 01752-1927
  
  BBB Complaint No. 23156207
  
  Dear *** or Madam:
  
  I am responding on behalf of Zwicker & Associates,P.C. to the above-referenced complaint submitted to the BBB by ***** ***. Zwicker & Associates, P.C. is a law firm that represents its clients for the purpose of debt collection. Ms. *** is not a client or customer of this law firm. Rather, this law firm represents ****************************** as its attorneys with respect to a ************** Reserve Card account ending in ***** issued to Ms. **********
  
  Ms. *** states in her complaint that she is working with a debt relief program and does not wish to receive further communications from this law firm. A review of our records shows that this firm, as attorneys for *****************did attempt to reach Ms. *** by telephone for the purpose of establishing a repayment arrangement with respect to this debt, and not for any improper purpose. Rather, because we have never spoken to Ms. **** we did not know beforehand that she did not wish to receive telephone calls from this firm concerning this debt or that we not contact her at her place of employment.  This law firm has not engaged in any illegal or otherwise improper communications or collection tactics as Ms. *** asserts in her complaint. Further, although this firm does not have any prior record of Ms. *** having requested the cessation of all communication, we have now entered an instruction on her account to prevent further communications as requested in her complaint, except those that may be permitted by applicable law.
  
  While our records do not reflect that Ms. *** has engaged the services of a debt settlement firm to negotiate with her creditors to resolve this matter, we welcome the opportunity to discuss the repayment options available to Ms. *** with her agents and we would be happy to work directly with them to attempt to reach a repayment agreement should they contact us.   
  
  We hope that this response has addressed any concerns the Bureau may have regarding the matter.
  
  Very Truly Yours,
  /s/ ********* Scarpato    
  ********* R. ********* Esq. *********** ******** H. ********** ************************** President of Legal Compliance 

  Customer Answer

  Date: 04/22/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  *****

   

   

• Initial Complaint

  Date:03/14/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm not liable for this debt with *************, I do not have a contract with Zwicker & Associates, P.C., they did not provide me with the original contact as requested.

  Business Response

  Date: 03/24/2025

  Via Electronic Submission
  BBB of **********, ME, **, &VT
  5 Mt. ********************
  *************** 01752-1927
  
  BBB Complaint No. 23066003
  
  Dear *** or Madam:
  
  I am responding on behalf of Zwicker & Associates, P.C. to the above-referenced complaint submitted to the BBB by Everkesia ******. Zwicker & Associates,P.C. is a law firm that represents its clients for the purpose of debt collection. Ms. ****** is not a client or customer of this law firm. Rather, this law firm represents ************* as its attorneys with respect to a credit card account ending in 5255 issued to Ms. ******  that she owes to *************.. 
  
  Ms. ****** complains that this firm is attempting to collect a debt she does not owe, and that this firm failed to substantiate her debt. Although Ms. ******* complaint suggests that she has previously requested information about this debt from this firm, we have no record of any communication from Ms. ****** regarding this debt, nor any record of her requesting substantiation of this debt. Now that we are aware that Ms. ****** is disputing this debt and requesting information,we have made a note of that in our records and we will mail verification of the debt to the address provided in this complaint.
  
  Finally, this law firm is not a furnisher of consumer reporting information and has not furnished any information regarding Ms. ******* debt to any consumer reporting agency. We are therefore unable to make any changes to the content of her consumer report.
  
  We hope that this response has addressed any concerns the Bureau may have regarding the matter.
  
  Very Truly Yours,
  /s/ ********* Scarpato   
  ********* R. ********, Esq. *********** ******** H. *********, ************************** President of Legal Compliance 

  Customer Answer

  Date: 03/27/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  Dear Zwicker & Associates,
  
  I am in receipt of your response regarding the alleged debt associated with ************** I do not acknowledge or accept liability for this debt and formally dispute its validity. Additionally, I have no contractual agreement with Zwicker & Associates, and unless your firm can provide proof that I have a direct contract with you obligating me to pay, I will not make any payments to you.
  
  
  I request proper validation of the debt per the Fair Debt Collection Practices Act (FDCPA), including:

  
  1.Proof that I am legally obligated to pay this debt, including a copy of any original agreement with my signature.
  2.A full accounting of the alleged balance, including a breakdown of principal, interest, and fees.
  3.Proof that your firm has the legal right to collect this debt.
  4.The date of the last payment on this account, to verify whether the debt is within Floridas five-year statute of limitations under Florida Statutes 95.11(2)(b).
  
  
  If your firm cannot provide proof that I have a direct contractual obligation with you to pay this debt, I request that you cease all further contact with me regarding this matter. Under 15 U.S. Code 1692c(c) of the Fair Debt Collection Practices Act (FDCPA), failure to honor this request may result in a formal complaint to the ************************************ (****), the ************************, and the ************************ (***).
  
  
  Until proper validation is provided, I do not recognize this debt as mine and will not make any payments. Furthermore, I request that all future communications be in writing.
  
  
  
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  Everkesia

  Business Response

  Date: 03/28/2025

  Via Electronic Submission
  BBB of **********, ME, **, &VT
  5 Mt. ********************
  *************** 01752-1927
  
  
  BBB Complaint No. ******** Response to Rebuttal
  
  
  Dear *** or Madam:
  
  I am responding on behalf of Zwicker & Associates, P.C. to the above-referenced rebuttal submitted to the BBB by Everkesia ******. Zwicker & Associates, P.C. is a law firm that represents its clients for the purpose of debt collection. This law firm represents ************* as its attorneys with respect to a credit card account ending in 5255 issued to Ms. ****** that she owes to *************. As we indicated in our prior response, Ms. ****** is not a customer or client of this firm. There is no contractual agreement between Ms. ****** and our firm nor have we ever suggested there is. Ms. ****** owes a debt to *************, her creditor, and this firm represents ************* for the purpose of collecting the amount she owes to **************
  
  In this rebuttal, Ms. ****** renews her complaint to this Bureau that this firm is attempting to collect a debt she does not owe and requests verification of her debt. As this firm indicated in its prior response, we have mailed Ms. ****** verification of her debt, which she may not have received as of the time she supplied this rebuttal to the BBB. To the extent that Ms. ****** asserts she refuses to pay the debt, we will maintain an instruction on her account to inhibit communications to the extent required by applicable law.
  
  We hope that this response has addressed any concerns the Bureau may have regarding the matter.
  
  Very Truly Yours,
  /s/ ********* Scarpato   
  ********* R. ********, Esq. *********** ******** H. *********, ************************** President of Legal Compliance 

  Customer Answer

  Date: 03/31/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  To Whom It May Concern,
  
  I acknowledge receipt of Zwicker & Associates, P.C.s response regarding my BBB complaint. However, as of today, I have not received any verification documents related to the alleged debt. I request that the firm resend the verification so that I may review it.
  
  Additionally, I want to clarify that the initial correspondence I received from your firm explicitly stated: Zwicker & Associates, P.C. is a debt collector. We are trying to collect a debt that you owe to *************. Despite your assertion that I am not a customer or client of your firm, it remains my understanding that you are acting as a debt collector on behalf of **************
  
  Furthermore, I have no contractual agreement with your law firm to repay a debt that has yet to be properly verified. Under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692g(b), I have the right to request and receive validation of the alleged debt before making any payments. Until proper verification is provided, I continue to dispute this debt and expect all collection efforts to cease in accordance with federal law.
  
  Once I receive the requested documentation, I will review it and respond accordingly.
  
  Sincerely,
  Everkesia ******
  
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  Everkesia

   

   

• Initial Complaint

  Date:03/07/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This judgment is not mine. Someone attempted to obtain a student loan using my name in the past. The fraudulent account appeared on my credit report, but when I reviewed my report, I immediately disputed it with all credit bureaus. As a result, the account was successfully deleted, confirming that it was not mine. This judgment was initially filed against me in 2022, but the case was dismissed in 2023. Despite this, the attorney and plaintiff have refiled the case against me without valid grounds. I am not responsible for this debt and have filed a police report regarding the matter. I request that all collection efforts related to this judgment cease immediately, as this debt does not belong to me.

  Business Response

  Date: 03/17/2025

  Via Electronic Submission
  Better Business Bureau
  5 Mt. Royal Ave., Suite 100
  *********************
  
  BBB Complaint No.: 23034957
  
  Dear *** or Madam:
  
  This letter serves as the response of Zwicker &Associates, P.C. to the above-referenced complaint submitted to the BBB by ****** ***. Zwicker & Associates, P.C. is a law firm that represents its clients for the purpose of debt collection. Ms. *** is not a customer or client of ********************** & ******************, P.C., rather, this law firm represents ****************** as its attorneys with respect to a student loan account ending in 9703-1. 
  
  In her complaint, Ms. *** asserts that she is not responsible for the student loan debt that this firm is collecting on behalf of our client because she is a victim of identity theft and suggests that this firm is improperly collecting the debt without a valid basis. ******* has previously alleged that this debt is the result of identity theft, however,this firm promptly escalated those allegations to our client, who determined that Ms. *** was liable for the loan debt. Although this firm began its collection activity by mailing Ms. *** a validation notice which afforded her the opportunity to dispute the debt and request verification, our records do not show that she exercised that right. Consistent with the disclosures in the validation notice, this firm assumed the validity of the debt and initiated a lawsuit against Ms. ***. Only after suit was filed do our records show that Ms.*** first asserted to us that the debt was the result of identity theft. Upon receipt of her claims, we quickly alerted our client to her concerns so that they could be investigated directly and temporarily ceased collection activity while our client was conducting its investigation.  Our records show that our client denied Ms.***s claim and notified her directly by letter dated August 14, 2023,including the reason for which it denied her claim. Accordingly, this law firm resumed its collections efforts on behalf of our client which included reinstating the lawsuit against Ms. ***. Our records show that the court ordered that the case be reinstated and that final judgment enter on the basis that the evidence furnished to the court was sufficient proof of the validity of the loan and the amount owed. Ms. *** was properly notified of our motion for judgment, but she did not file any opposition to our motion.
  
  We understand that Ms. *** wishes to renew her dispute regarding the above-referenced student loan debt. As a result, we have again noted her dispute in our records and alerted our client along with providing the additional documentation that Ms. *** has now furnished, so that they may re-investigate the claims. This firm has also placed an instruction on the account to suspend further collection activity while our client investigates the dispute.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.  
  

• Initial Complaint

  Date:02/07/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ******* ******** ***************************************** ************************* ************ Date: 02/07/2025 Better Business Bureau Dear *** or Madam,Complaint Against ******************************************* P.C. for Unjust Debt Collection Practices I am writing to file a formal complaint against ******************************************* P.C., a company that has been attempting to collect a debt they allege I owe. Despite my repeated requests for validation of this debt, they have failed to provide any documentation proving that the account is mine. Additionally, the contract with my handwritten signature and the wet ink signature from ******************************************* was not provided.Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I am entitled to accurate and fair credit reporting. This right includes the obligation of companies to validate any debt they claim I owe before reporting it to credit agencies or pursuing collection actions. ******************************************* P.C. inability to substantiate their claims against me is a clear violation of this statute.The debt in question is not mine, and I have consistently requested proof of this debt's validity. However, ******************************************* P.C. continues their collection attempts without providing any evidence, causing undue stress and potential damage to my credit report.I am seeking the Better Business Bureau's assistance in resolving this matter. I request that ******************************************* P.C. be held accountable for their failure to validate the debt and cease all collection activities immediately. Additionally, I ask that any negative marks on my credit report related to this alleged debt be removed to prevent further harm.Thank you for your attention to this matter. I look forward to your prompt assistance in ensuring that my consumer rights are upheld.Sincerely,******* ********

  Business Response

  Date: 02/17/2025

  Via Electronic Submission
  BBB of **********, ME, **, &VT
  5 Mt. ********************
  *************** 01752-1927
  
  BBB Complaint No. 22913224
  
  Dear *** or Madam:
  
  I am responding on behalf of Zwicker & Associates, P.C. to the above-referenced complaint submitted to the BBB by ******* ********. Zwicker & Associates,P.C. is a law firm that represents its clients for the purpose of debt collection. Ms. ******** is not a client or customer of this law firm. Rather, this law firm represents ****************************** as its attorneys with respect to a Business Platinum credit card account ending in ***** and associated with the file number provided by Ms. ******** with her complaint issued jointly to Ms. ******** and a business, Sheek Quality Hair.  According to the information supplied to us by our client, Ms. ******** is the basic cardmember and personally liable for the debt. 
  
  Ms.******** complains that this firm is attempting to collect a debt she does not owe, and that this firm failed to substantiate her debt, despite her repeated requests for validation. Although Ms. ********* complaint suggests that she has previously requested information about this debt from this firm, we have no record of any communication from Ms. ******** regarding this debt, nor any record of her requesting substantiation of this debt. Now that we are aware that Ms. ******** is disputing this debt and requesting information, we have made a note of that in our records and we will mail verification of the debt to the address provided in this complaint as a courtesy.
  
  Finally, this law firm is not a furnisher of consumer reporting information and has not furnished any information regarding Ms. ********* debt to any consumer reporting agency. We are therefore unable to make any changes to the content of her consumer report.
  
  We hope that this response has addressed any concerns the Bureau may have regarding the matter.
  
  Very Truly Yours,
  /s/ ********* Scarpato   
  ********* R. ********, Esq. *********** ******** H. *********, ************************** President of Legal Compliance 

• Initial Complaint

  Date:01/28/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I can't seem to access my account. My file ID is *******. I tried to call into someone and the person I spoke to responded with "uh oh" when I said I wasn't able to get in. I was never given access to my account while on the phone with this person...instead, I then proceeded to schedule payments, yet I have yet to see the first payment come through. At this point, I'd like to be able to go into my account and manually schedule my payments.Please give me access to my account so that I can make payments towards my debt.

  Business Response

  Date: 02/06/2025

  Via Electronic Submission
  Better Business Bureau
  5 Mt. *********** Suite 100
  *********************
  
  BBB Complaint No.: 22870704
  
  Dear *** or Madam:
  
  This letter serves as the response of Zwicker &Associates, P.C. to the above-referenced complaint submitted to the BBB by ******** ******. Zwicker & Associates, P.C. is a law firm that represents its clients for the purpose of debt collection. *** ****** is not a customer or client of ********************** & ******************* P.C., rather, this law firm represents ****************************** as its attorneys with respect to a credit card account issued to *** ****** ending in *****.  
  
  *** ******* complaint concerns her ability to submit payments on the above-referenced debt using this firms website.  Our records reflect that ********* contacted this firm on January 17 to discuss her account. During our initial conversation with *** ******* our representatives were not dismissive of her concerns as suggested by the complaint, but rather were professional and provided *** ****** with assistance including alternative payment methods in connection with her account. As we explained to *** ****** when she contacted us on January 29, she was previously blocked from using our website to make payments because of a prior dishonored payment. After we spoke with *** *******we re-enabled her ability to make payments through our site. Though ********* states in her complaint that she had not been successful in accessing this firms website to make payments on her account, our records show that since filing this complaint with your agency, *** ****** was able to successfully access her account through this firms website as recently as January 30 and submitted a voluntary payment, which our records indicate was declined by her bank.
  
  As noted above, *** ******* most recent payment has been returned for insufficient funds once again.Accordingly, *** ****** will not be able to authorize further payments through our website at this time, however, she is welcome to call in and submit payments by phone or she may mail additional payments to our office.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.  
  

• Initial Complaint

  Date:11/11/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  See details below in explanation box.

  Business Response

  Date: 11/21/2024

  Via Electronic Submission
  Better Business Bureau
  5 Mt. Royal Ave., Suite 100
  ********************
  
  BBB Complaint No.: 22539276
  
  Dear *** or Madam:
  
  This letter serves as the response of Zwicker & Associates, P.C. to the above-referenced complaint submitted to the BBB by ****** ******. Zwicker &Associates, P.C. is a law firm that represents its clients for the purpose of debt collection. Mr. ****** is neither a customer nor client of this law firm.Rather, this law firm represents ************* with respect to a credit card account issued in Mr. ******* name ending in 3801. Our records reflect that in May of 2023, this firm and Mr. ****** reached a settlement agreement to resolve his obligation in full through a series of monthly installment payments of which $2,327.04 remains due.
  
  In his complaint,Mr. ****** asserts that this firm has not provided him with requested information with respect to his account. Our records reflect that Mr. ****** contacted this firm to request documentation detailing the status of his settlement agreement. Mr. ******* request was processed on Thursday, November 7 as advised by this firms personnel.  Our records reflect that on Monday, November 11, prior to receiving notice of this complaint, we sent Mr. ****** copies of his settlement agreement and payment history via facsimile as requested within the timeframe stated by this firms personnel. We have not heard further from Mr. ****** with respect to this matter so we believe it has been resolved. 
  
  I hope that this letter resolves any outstanding concerns Mr. ****** or the Bureau may have with respect to this complaint.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C. 

• Initial Complaint

  Date:10/02/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing a complaint against ******************************************* for multiple violations of the Fair Debt Collection Practices Act (FDCPA), including improper debt collection practices and unlawful threats of legal action in conjunction with *****************Details:Failure to Provide 30-Day Notice:After initiating communication with me on July 22, 2024, ******************************************* failed to send the legally required 30-day notice informing me of my right to dispute the debt, as mandated by ***** 809(a). This notice should have been provided within 5 days of their initial contact.Failure to Provide 5-Day Written Notice:******************************************* also failed to issue the mandatory 5-day written notice, which should have included the amount of the debt, the name of the creditor, and my rights to dispute the debt. This omission violates FDCPA 809(a).In August 2023, I submitted a formal request for debt validation to **************** regarding the alleged debt. **************** failed to provide proper validation of the debt and continued collection efforts. Despite this, ******************************************* initiated collection activities without verifying the enforceability of the debt, violating FDCPA 809(b).During a phone conversation with *******************************************, they threatened to file a lawsuit against me. This threat was made despite the fact that the alleged debt has not been properly validated, and FDCPA 807 prohibits false or misleading threats of legal action. This was an attempt to pressure me into paying the alleged debt, which I believe constitutes a violation of my rights under the FDCPA.Impact:The unlawful collection practices, combined with the threat of legal action, have caused significant stress and pressure, especially since the alleged debt has not been properly validated or verified.Desired Resolution:Cease all collection activities until proper debt validation is provided by *****************Issue a formal apology for their failure to comply with federal law.

  Business Response

  Date: 10/11/2024

  Via Electronic Submission
  Better Business Bureau
  5 Mt. Royal Ave., Suite 100
  ********************
  
  BBB Complaint No.: 22373506
  
  Dear *** or Madam:
  
  This letter serves as the response of Zwicker & Associates, P.C. to the above-referenced complaint submitted to the BBB by Gideon *****. Zwicker &Associates, P.C. is a law firm that represents its clients for the purpose of debt collection. Mr. ***** is neither a customer nor client of this law firm.Rather, this firm represents ****************************** in connection with a Business Gold corporate credit card account ending in ***** that was issued jointly to ***********************************.   
  
  In his complaint, Mr. ***** asserts that this firm did not provide him with notice of the debt or his right to dispute and that his creditor has not responded to his requests for verification. To the contrary, despite the fact that this is not a consumer debt, a review of this firms records reveals that upon commencing our representation of our client in April of 2024,as our first communication to him this firm mailed Mr. ***** an initial letter dated April 11, 2024 to the address he previously provided to our client, which informed him that this firm had been retained by his creditor in connection with the commercial debt and provided him the opportunity to dispute the debt and request verification. That letter was not returned by the postal service and presumably delivered. Our records do not indicate that Mr. ***** has ever requested verification of the debt or even simply requested information about his account.   In fact, this firms records do not show that we received any communications from Mr. ***** until July 22 when he called our office and entered into an agreement to repay the debt in full.  This firm has never threatened Mr. ***** in any manner or otherwise improperly handled his debt. We understand that Mr. ***** has apparently changed his position with respect to repaying the debt and is now requesting information about his account. This firm will furnish him verification of the debt as a courtesy.
  
  I hope that this letter resolves any outstanding concerns Mr. ***** or the Bureau may have with respect to this complaint.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.

• Initial Complaint

  Date:09/30/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Zwicker and associates has repeatedly called my phone number looking to collect the debt of a "***** ****". I am not "***** ****". They keep calling me, they've told me that they've removed my number from their database and yet they continue to call me. A quick ****** search of my phone number and name suggests that a ***** **** *** have claimed to have my phone number as recently as 2020 although I have had my phone at this number for approximately 15 years, it would appear that they're not actually using their own internal contact database and instead attempting to leverage an erroneous online listing meaning they're not in a position to actually update their contact information. This needs to stop.

  Business Response

  Date: 10/07/2024

  Via Electronic Submission
  ************************************
  ****************
  *******************
  
  BBB Complaint No. 22361427
  
  Dear *** or Madam:
  
  I am responding on behalf of Zwicker & Associates,P.C. to the above-referenced complaint submitted to the BBB by **** *******************. ******** is not a client or customer of this law firm. Rather, in his complaint he asserts that he has received telephone calls from this law firm in error.
  
  Our records indicate this firm placed only two phone calls to the telephone number provided with Mr. ********* complaint. *********** answered our second call and after he advised this firms representative that she had a wrong number, we immediately took steps to remove the telephone number from our records. Our records show that this firm did not dial Mr. ********* number again after that communication and therefore we believe his concerns have been resolved.  
  
  We hope that this response has addressed any concerns the Bureau may have regarding the matter.
  
  Very Truly Yours,
  /s/ ********* Scarpato   
  ********* R. ********, Esq. *********** ******** H. *********, ************************** President of Legal Compliance 

• Initial Complaint

  Date:09/28/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm not responsible for this debt with ****************. I do not have a contract with ******************************************** P. C. They did no provide the original contract as requested.

  Business Response

  Date: 10/08/2024

  October 8, 2024
  
  Via Electronic Submission
  Better Business Bureau
  5 Mt. Royal Ave., Suite 100
  ********************
  
  BBB Complaint No.: 22354281
  
  Dear *** or Madam:
  
  This letter serves as the response of Zwicker & Associates, P.C. to the above-referenced complaint submitted to the BBB by Ms. ***** *****. Zwicker & Associates, P.C. is a law firm that represents its clients for the purpose of debt collection. Ms. ***** is neither a customer nor client of this law firm. Rather, this law firm represents ****************************** (****************) with respect to a credit card account issued in Ms. ***** name ending in 75005.
  
  In Ms. ****** statement concerning our firm, she provides, I'm not responsible for this debt with ****************. I do not have a contract with Zwicker & Associates, P.C. They did no provide the original contract as requested. And, Ms. ***** requests Correction to my credit report. Please remove the account. It appears that Ms. ****** assertions are based, in part,on her mistaken belief that we are collecting a debt owed to us, which is not the case, and we respectfully disagree with Ms. ***** representation that she has previously requested any information from us.
  
  With respect to Ms. ***** mistaken belief that this firm has an ownership interest in her debt or that we are collecting a debt owed to this firm, we wish to reiterate that, as we stated in our initial validation notice to Ms. ****** dated September 20, 2024, this office is collecting a debt that she owes our client, ****************. Ms. ***** does not *** any debt to this law firm and we have never indicated to her that she does. This law firm has no ownership interest in Ms. ***** debt.
  
  This firm began its collection efforts on behalf of **************** by mailing to Ms. ***** a validation notice for her account dated September *******. The notice utilized the model format promulgated by the ************************************ and provided Ms. ***** with information about the debt we are collecting on behalf of our client as well as notices required by applicable law. The notice included among other things an accurate statement of the balance sought and notices regarding Ms. ***** right to dispute the debt and request verification.
  
  Because we understand that Ms. ***** has disputed the debt through this complaint, which our records reflect is our first communication from her, we have processed this complaint as a request for verification of the debt. We will pause collection efforts until we have mailed verification of the debt to her.
  
  Lastly, insofar as Ms. ***** seeks adjustment to information which might appear on her consumer report, such matters are misdirected to this firm because this firm does not furnish consumer reporting information. Therefore,we are unable to effectuate any changes to information that may appear on her consumer report.
  
  I hope that this letter resolves any outstanding concerns Ms. ***** or the Bureau may have with respect to this complaint.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.

• Initial Complaint

  Date:09/23/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Zwicker and **************** has failed to validate a debt and has not followed the rules of the *****.

  Business Response

  Date: 10/02/2024

  Via Electronic Submission
  Better Business Bureau
  5 Mt. Royal Ave., Suite 100
  *************** 01752 
  
  BBB Complaint No.: 22325425
  
  Dear *** or Madam:
  
  This letter serves as the response of Zwicker & Associates, P.C. to the above-referenced complaint submitted to the BBB by Ms. ******* *******. Zwicker & Associates, P.C. is a law firm that represents its clients for the purpose of debt collection. Ms. ******* is neither a customer nor client of this law firm. Rather, this law firm formerly represented ****************************** (****************) with respect to multiple debts owed by Ms. ******* to our client. 
  
  In her submission to the Bureau, Ms. ******* claims that our firm failed to provide debt validation on her accounts as required by the Fair Debt Collection Practices Act. We respectfully disagree with this claim and note that this firm did in fact mail Ms. ******* information intended to serve as verification of her debts. Those mailings were not returned by the postal service and thus presumptively delivered to her. To the extent that Ms. ******* is reiterating her requests to validate the debts, this firm is no longer collecting her accounts and therefore we are unable to furnish her that information nor can we service any of the other demands made in her complaint. 
  
  I hope that this letter resolves any outstanding concerns of Ms. ******* or the Bureau may have with respect to this complaint.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.
  

  Customer Answer

  Date: 10/02/2024

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  Their answer states that they no longer represent *********************, however, their statement is not truthful, as they are still currently listed as the firm that has filed an active lawsuit against me in court and the hearing on this case is tomorrow October 3, ********************************* **************.  As I previously stated as FACT they DID NOT validate the debt as required by law, they prematurely filed suit against me in court BEFORE the debt was validated. I have also compelled arbitration for this dispute as per **************** terms and conditions and they have failed on these terns and in turn has breached their contract. 
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  *******

   

   

  Business Response

  Date: 10/11/2024

  Via Electronic Submission
  Better Business Bureau
  5 Mt. Royal Ave., Suite 100
  *********************
  
  BBB Complaint No.: 22325425
  Response to Consumer Rebuttal
  
  Dear *** or Madam:
  
  This letter serves as the response of Zwicker &Associates, P.C. to the rebuttal submission made by Ms. ******* ******* following our response to her initial complaint. Zwicker & Associates, ****** a law firm that represents its clients for the purpose of debt collection. Ms.******* is neither a customer nor client of this law firm. Rather, this law firm formerly represented ****************************** (****************) with respect to multiple debts owed by Ms. ******* to our client.
  
  Our statement in our initial response that this firm is no longer retained to handle Ms. *******s cases was and remains accurate. As Ms. ******* is no doubt aware at this point, we have transferred her files to successor counsel who will be handling the matters going forward. We understand that successor counsel appeared at the hearing referenced by Ms. ******* in her submission. Should Ms. ******* have further need to discuss her desire to arbitrate, that should be addressed with counsel now handling the matters on behalf of her creditor. With respect to Ms.*******s reiterated complaint regarding verification of her debts, our prior response indicated that our records showed that verification was mailed to her and not returned by the postal service, thus presumptively delivered.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.
  

  Customer Answer

  Date: 10/15/2024

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  [Zwicker has turned the court case over to another law firm at this juncture. However, the fact still remains that ZWICKER AND ASSOCIATES VIOLATED MY CONSUMER RIGHTS while THEY had this case retained. They make accusations that I owe multiple debts to ****************, however, to date none of this has been validated and I do NOT accept any of it as fact. I do not owe any debts that cannot be verified.  Zwicker also claims that they sent validation, however, **** was given an new address for me over a year and half ago. **** had my contact information and it was **** updated and confirmed. I stand FIRM that no validation as EVER sent to me hence depriving me of due process! Zwicker can not haphazardly violate my rights and then dismiss my complaint simply because they no longer represent ****. Zwicker sent to me the debt asking for payment, I sent to ZWICKER a response asking them to validate, ZWICKER failed to validate in turn prematurely filing multiple lawsuits against me in court even after I had sent in the claims notice for arbitration. Zwicker remains responsible for the way they have harmed me. As per the ***** the fine is $1000 per incident plus damages. I seek for my damages in this matter, $3000 plus other damages in the amount of $125,000.  In addition to this I seek $1000 per day that the court case remained open after the arbitration claims notice was sent to them.  ]
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  *******