ComplaintsforZwicker & Associates, P.C.

• Initial Complaint

  06/11/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I am disappointed to have to be writing this. Back in the spring of 2023, Zwicker had contacted me to discuss a discover card that had went to collections. Upon our conversation it was determined that I owed around ********. On a recorded telephone, We were able to reach a settlement and agreed on a lump sum paid upfront and then additional monthly payments to pay off the difference of the settlement amount. I proceeded and provided my bank account and routing number for the payment and to allow future payments to be drafted on a scheduled date. I was so relieved to get this off my back and appreciative that we came to an agreement. Everything was working out great post initial payment and my monthly payments were being drafted as agreed on. Part of the agreement was to always ensure my account had the funds so that payment was able to be drafted. I made certain that this was done. Upon this last month of our agreement I stopped receiving payment confirmation letters that I had received in the previous 10+ months and was grateful to know it was paid in full. So I thought. A couple months after the agreed last payment I then received a letter stating my account was defaulted and the settlement was no longer valid due to not fulfilling my contract obligations. I was shocked. I was confused. Angry and worried. I then started to do some research with my bank statements and reviewing the prior letters I had received from Zwicker. Upon reviewing everything I realized I was being taking advantage of and was misled. They never processed my last payment of our agreement and then sent me into default. I was still confused. Why? I asked. What happened? I had the funds in my account (bank statements showing proof) on the day my payment was due and there was no reason why it was not processed. I am now being contacted by a receiver and being threatened to have all my funds and assets levied. This is unethical and I have not figured out why this happened.

  Business response

  06/21/2024

  June 21, 2024
  
  Via Electronic Submission
  Better Business Bureau
  5 Mt. Royal Ave., Suite 100
  ********************
  
  BBB Complaint No.: 21834045
  
  Dear Sir 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 neither a customer nor client of this law firm. Rather, this law firm represents ************* with respect to a debt arising from a credit card account issued in **************** name ending in 3984.
  
  In **************** narrative he represents generally that this firm is taking advantage of him, has unethically mislead him with respect to payments made toward his account, and otherwise suggests that that this office refused to work with him  toward resolving his debt.This is simply not accurate and we respectfully disagree with Mr. ********************** of this portion of the facts.
  
  **************** narrative continues, however, and correctly acknowledges that our firm previously negotiated with him to reach a settlement on his debt and he failed to make all of the payments pursuant to the agreement. Our records confirm that **************** executed a Settlement Agreement and Agreed Judgment with our firm in March of 2023 calling for monthly installment payments to resolve the total amount of the debt for less than the full balance due. The Settlement Agreement and Agreed Judgment were approved by order of the court, and filed in the collection lawsuit associated with **************** account. **************** correctly notes that at the time of his default of payment there was one payment remaining for the month of January 2024.
  
  A review of our records show that **************** set up payments via our website with the assistance of one of our payment support personnel. This firm requires its payment support personnel to confirm with consumers the date and amount of each installment payment to ensure that our payment information is accurate. In this case, ten payments were pre-authorized by **************** to be debited from **************** banking account; however, the 11th and final payment pursuant to the Settlement Agreement was not arranged at that time. Our records also reflect that our payment specialist confirmed, and **************** acknowledged, the payments to be debited with the last debit being authorized for Mr. ************** 2023 payment. A letter confirming the dates and amounts of the ten pre-authorized payments was sent to **************** on March 15, 2023. This firm processed the payments that were authorized by ****************, which left a final installment payment remaining under the terms of the agreement. Because that payment was not tendered, this firm ultimately took further steps to enforce the judgment on behalf of our client.  
  
  We understand that **************** wishes to resume his settlement agreement and that the omission of the final payment may have been attributable to a simple mistake. Therefore, as a courtesy to **************** we have taken steps to cancel the appointed Receiver and we have obtained authorization from our client to reinstate the settlement agreement so that he may make the final payment under the terms of the prior arrangement. If **************** contacts us, we would be happy to assist him with setting up that payment.
  
  I hope that this letter resolves any outstanding concerns **************** or the Bureau may have with respect to this complaint.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.

• Initial Complaint

  06/05/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Zwicker and associates P.C. placed a hold on my bank account. This I informed them that I never had an account with that institute it was fraudulent transaction. The associates that I spoke with informed that, they went to the address on file of a Mult-dwelling left a summon for me who is supposedly the account This is an account I never open knows nothing about. then requested the hold to be removed from my account. they in turn lets me that they will not remove the hold until their investigation is completed. This was a 2021 summons, I have not lived or gone to ******** Since May of 2016. So now this is going to put all my bill in delinquent status for something I know nothing about. I need help in resolving this matter please.

  Business response

  06/13/2024

  Via Electronic Submission
  Better Business Bureau
  5 Mt. *********************
  ********************
  
  BBB Complaint No.: 21806425
  
  Dear Sir 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 neither a customer nor client of this law firm. Rather, this law firm represents ****************************** with respect to a judgment debt arising from a credit card account issued in Mr.Turners name ending in 32003.
  
  **************** asserts that this law firm has restrained his bank account in connection with a credit card debt he states is fraudulent and about which he has no knowledge. As an initial matter, while **************** only notified this firm as of June 5 of his dispute, we promptly noted our files and escalated the matter to our client for review. While we have escalated the claim of fraud, we note that service in connection with the underlying lawsuit was made in conformance with applicable law and local rules and directed to the last known address provided to our client and reflected in the account records. The account records themselves also appear to connect **************** to the account,for example, the account statements reflect the purchase of airfare listing *************** as a passenger as well as hotel reservations in his name.
  
  Our clients review of the claim is ongoing, but at this time as we explained to **************** there is no basis to release the restraint against his account. In the event that our client accepts Mr. ******* fraud claim, we would of course promptly release the restraint and close our file.
  
  I hope that this letter resolves any outstanding concerns **************** or the Bureau may have with respect to this complaint.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.

• Initial Complaint

  06/05/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Debt collrctor won't reply to many request on where debt total amount currently paid.Non-responsive!

  Business response

  06/13/2024

  Via Electronic Submission
  Better Business Bureau
  5 Mt. Royal Ave., Suite 100
  *************** 01752 
  
  BBB Complaint No.: 21805253
  
  Dear Sir 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 neither a customer nor client of this law firm. Rather, this law firm represents ****************************** with respect to three credit card accounts issued to ****************** ending in *****, *****, and 03003.  
  
  Although ****************** asserts in his complaint that this firm has not been responsive to his requests for information concerning a payment agreement previously negotiated on his accounts, we wish to note that our ability to speak directly with ****************** is limited because our records show he is represented by a debt settlement firm. Specifically, this firm has been instructed through the power of attorney document that he executed with his representatives to direct our communications concerning the debt to them only. Accordingly, this firm has not sought to communicate directly with ****************** outside of the legal proceedings (where we are required to do so by law) and required advance notice of his upcoming preauthorized payments and instead mailed to Mr. ******** authorized representatives correspondence related to his accounts which set forth the itemized schedule of the payments due under the terms of the payment arrangement. As our personnel informed ****************** when he contacted us, because our records still reflect that he is represented by a debt negotiation firm, our ability to speak with ****************** directly is limited. We are therefore unable to answer any specific questions related to his account, but have properly credited all payments that we have received from ****************** in accordance with the court filings and as outlined in the correspondence to his debt settlement firm.
  
  ****************** is welcome to write to us to update his representation status if he has terminated that engagement and our representatives would be happy to discuss his account with him or, if his representatives contact us, we can discuss the matter with them. 
  
  I hope that this letter resolves any outstanding concerns ****************** or the Bureau may have with respect to this complaint.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.
  

• Initial Complaint

  06/01/2024

  Complaint Type:

  Delivery Issues

  Status:

  Answered

  More info

  Zwicker and associates placed judgment on me without any verification of debt and amount. *** tried To contact them many times but the person that can help me is never in the office. The amounts are conflicting

  Business response

  06/11/2024

  Via Electronic Submission
  Better Business Bureau
  5 Mt. Royal Ave., Suite 100
  *************** 01752 
  
  BBB Complaint No.: 21789032
  
  Dear Sir or Madam:
  
  This letter serves as the response of Zwicker & Associates, P.C. to the above-referenced complaint submitted to the BBB by Mr. ********************** Zwicker & Associates, P.C. is a law firm that represents its clients for the purpose of debt collection. **************** is neither a customer nor client of this law firm. Rather, we represent ************* with respect to a judgment debt that arises from a credit card issued to **************** ending in 9683. 
  
  As an initial matter, I note that this office previously addressed ****************** concerns in response to a complaint submitted to the ************************************* As we indicated in our prior response, we have reviewed our records and have handled ****************** account in conformance with applicable law. Although the majority of the issues identified by **************** were already addressed in our prior response, we will respond again in this forum for the purpose of clarifying the facts and explaining our position.
  
  In his complaint, **************** disputes the above-referenced account and asserts that this law firm has obtained a judgment against him without providing sufficient information to validate the amount of his debt. ****************** assertion that judgment entered against him without sufficient notice is not supported by the facts, because judgment entered based on an agreement he signed. We also note that, prior to any collection activity beginning, this firm mailed a validation notice concerning the debt to ****************** debt settlement representatives dated August 11, 2022, to which we received no response. Because we received no response, we initiated legal action on behalf of our client. **************** was personally served with the lawsuit. Shortly after commencing the lawsuit against **************** on behalf of our client, we reached an agreement with ****************** representatives which called for him to remit a series of monthly installment payments to satisfy the obligation due to our client in full. That agreement was memorialized in a stipulation signed by **************** and his attorney, which was then filed with the court, a copy of which is attached to his complaint. Pursuant to that agreement, judgment entered against **************** in January of 2023 for the full amount of the debt, plus costs and post judgment interest which continues to accrue on his account. The judgment remains valid and unsatisfied. 
  
  **************** failed to pay as agreed and defaulted on that agreement as well as a subsequent agreement reached to resolve the matter. Because neither **************** nor the debt settlement firm who currently represents him made any further repayment agreements to resolve the judgment, this firm took additional steps as permitted by applicable law to enforce the judgment by seeking the appointment of a receiver to collect the outstanding balance due. 
  
  Our records show that this firms employees spoke with **************** once, on May 15 as a result of an inbound telephone call from him and that we have not received any further communications aside from the filing of the complaints submitted to your agency and the ***** We understand that **************** is requesting information about the debt. Our records do not reflect that **************** had notified this firm of a dispute or request for verification prior to the appointment of the receiver in this matter by the court, however, they do reflect that **************** has submitted various disputes to our client directly which have been investigated internally and that after investigating his claims, our client has:  (1) determined that the debt was valid and owed by ****************; (2) explained to him by letter on four separate occasions the basis for those decisions; and (3) provided verification. With respect to the communication furnished by our client, we note that the balance presented in those letters did not include the award of costs and post judgment interest by the court, which **************** expressly agreed to. Nonetheless, although the time to request verification has expired pursuant to applicable law, this firm has noted his request and will mail verification of the debt to his representatives as a courtesy.  
  
  With respect to ****************** desired resolution to correct information on his credit report, this law firm does not furnish information to consumer reporting agencies and are therefore unable to ***** any relief in connection with that request. Should **************** or his representatives wish to discuss resolving the debt, he should contact the appointed receiver in this matter. 
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.
  
  
  

• Initial Complaint

  04/01/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Somewhere in my late teens/early 20s i was given a credit card from discover. This to me is highly PREDATORY as a now educated 33 year old. This card had 5k of debt. I am asking for a settlement of 50% in one lump some with documentation and dismissal of the court case, to never be contacted again.

  Business response

  04/11/2024

  Via Electronic Submission
  Better Business Bureau
  5 Mt. Royal Ave., Suite 100
  ********************
  
  BBB Complaint No.: 21516455
  
  Dear Sir 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 neither a customer nor client of this law firm. Rather, we represent her creditor, ************** as its attorneys in connection with a credit card issued to ******************** ending in 0953.
  
  This law firm was not involved in any decision to extend ******************** credit and therefore we are unable to address that aspect of her complaint. To the extent that ******************* would like to discuss settlement of her debt, we are prepared to engage in that discussion if she contacts our office. She may call us at ************** to speak with one of our agents.
  
  I hope that this letter resolves any outstanding concerns the Bureau may have regarding this matter.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.
  

  Customer response

  04/11/2024

  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 # ********.

   

  I will only speak to this law firm in writing, as I have gathered evidence of multiple lies. Please let me know how we can speak in writing,. Also, customer service reps for this company are rude, ive spoken to them multiple times. No writing, no communication from me.

  Business response

  04/19/2024

  Via Electronic Submission
  Better Business Bureau
  5 Mt. Royal Ave., Suite 100
  ********************
  
  BBB Complaint No.: 21516455
  
  Dear Sir or Madam:
  
  This letter serves as a response from Zwicker & Associates, P.C. to the rebuttal 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 neither a customer nor client of this law firm. Rather, we represent her creditor, ************** as its attorneys in connection with a credit card issued to ******************** ending in 0953.
  
  Consistent with Ms. ********* prior complaint and request that we cease communication with her, we placed a restriction of outbound communications on her account in order to effectuate her demand. Although we respectfully disagree with her representations concerning this firms handling of the account on behalf of our client, should ******************** wish to engage with us regarding settlement, she is welcome to contact us in writing to present any offers she may have to resolve her account if that is her preference.
  
  I hope that this letter resolves any outstanding concerns the Bureau may have regarding this matter.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.
  
  

  Customer response

  04/22/2024

  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

   

  I am going to decline this answer. There is absolutely no reason you cannot communicate through the BBB in writing. 

   

• Initial Complaint

  03/25/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I have tried to enter their payment portal with the information given to me but can error message keeps appearing. I have also tried to call within the hours of operation but been placed on hold for a while. I just want to restart a payment plan i had been working on of $116 for i ******* months to payoff my amex credit card

  Business response

  04/03/2024

  April 3, 2024
  
  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********, ** 01752
  
  BBB Complaint No.: 21485355
  
  Dear Sir 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 neither a customer nor client of this law firm. Rather, this law firm represents ****************************** with respect to a credit card issued to **************** ending in 92003.
  
  **************** complaint asserts that he desires to re-establish a payment arrangement through this firm, but that he has been unable to access his account through our website and that he has been placed on hold when he has called our office. We wish to note that our records reflect that ************** spoke with our agents recently and did re-establish a repayment agreement on his account and therefore we believe the issue may be resolved.Despite that, we will substantively address **************** concerns raised in the complaint to clarify the facts.
  
  With respect to **************** being unable to access his account through our website to make payments, our records show that his last payment to our firm, authorized through our website on August 3, 2023, was returned by his bank for insufficient funds. **************** ability to utilize our website to make payments was restricted due to this returned transaction. As a courtesy to him, because he has established a new repayment agreement, we will re-enable **************** access to our payment site. That said, we also wish to note that this firm accepts payments authorized over the telephone and by mail as well.
  
  **************** also states in his complaint that he has been placed on hold when calling this office. Although our records do show that **************** was placed on hold when he recently called our office, our records also show that at the time he called us he was represented by a debt settlement company. **************** sought to revoke that representation and as a result he was transferred to personnel that could assist him in updating his records so that we could negotiate with him directly. Once that revocation was completed, *************** spoke with our personnel and arrived at the repayment arrangement referenced above. Our agent also provided **************** with her direct extension in the event he needs to call us back.
  
  I hope that this response adequately addresses any concerns that the BBB or **************** may have regarding the matter.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.
  
  ********** DFPI License Number ********

  Customer response

  04/03/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
  
  Regards,
  
  ***********************

• Initial Complaint

  03/20/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  ************************ - [Zwicker and Associates/Amex] Subject: Notice of Bankruptcy Filing Dear Zwicker and Associates, I am writing to inform you that I have filed for bankruptcy under Chapter 7 of the United States Bankruptcy Code. As a result, I am requesting that you cease all collection efforts and communication regarding the debt I owe you. This legal action will allow me to reorganize my financial affairs and obtain relief from the burden of my debts brought on by loss from COVID 19 and Divorce. The automatic stay provided by the bankruptcy filing prohibits creditors from continuing with any collection attempts against me. This includes lawsuits, wage garnishments, and phone calls. I kindly ask you to respect this legal process and refrain from contacting me regarding this debt until further notice from my legal counsel and the trustee assigned to the case.

  Business response

  03/29/2024

  March 29, 2024
  
  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********, ** 01752
  
  BBB Complaint No.: 21461174
  
  Dear Sir 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 neither a customer nor client of this law firm nor does he owe any debt to this law firm. Rather,this law firm represents ****************************** with respect to a credit card issued to **************** ending in *****.
  
  Contrary to the assertions in Mr. ******* narrative,our records do not reflect that a bankruptcy petition has been filed by *************** as he indicates. Upon receiving this complaint, this firm promptly searched the national database to confirm Mr. ******* filing and our office was unable to confirm such filing. We will, of course, update our files accordingly once notice of that filing has been received.
  
  With respect to ****************** request that this firm cease communicating with him, we note that outside of mailing our initial correspondence to him, this firms records show that we have not made any attempts to contact **************** because his account is associated with an instruction that prohibits the initiation of such communication to the extent required by applicable law. That instruction remains in place on his account. *************** also seeks correction of his credit report; however, this law firm does not report information to consumer reporting agencies and we have not furnished any information concerning the above-referenced account on Mr. ******* consumer report. Therefore, any requests related to the correction of information which he states appears on his consumer report are not properly directed to this law firm.
  
  I hope that this response adequately addresses any concerns that the BBB or **************** may have regarding the matter.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.

• Initial Complaint

  03/12/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

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

  Business response

  03/22/2024

  March 22, 2024
  
  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********, ** 01752
  
  BBB Complaint No.: 21421977
  
  Dear Sir or Madam:
  
  This letter serves as the response of Zwicker &Associates, P.C. to the above-referenced complaint submitted to the BBB by ****************************** (Complaint). Zwicker & Associates, P.C. is a law firm that represents its clients for the purpose of debt collection. ************** is neither a customer nor client of this law firm. Rather, this law firm represents ************* (Discover) with respect to a credit card issued to ************** ending in 3343.
  
  Ms. ****** Complaint generally asserts that this firm is attempting to collect a debt that is not hers. It appears that this assertion is based on her mistaken belief that we are collecting a debt owed to us, which is not the case. This firm mailed ************** a validation notice on her account dated November 21, **************************** her Complaint which included notices regarding her right to dispute the debt and request verification. As we stated in our initial letter to **************, we are collecting a debt that she owes to Discover, who is our client. This law firm does not engage in debt purchasing and we have no ownership interest in Ms.****** obligation, nor have we ever suggested otherwise to her.
  
  Although Ms. ****** Complaint asserts that this office did not provide her with the original contact as requested, our records reflect that the Complaint is the first communication we have received from her. As noted above, this firm mailed ************** a validation notice on her account dated November 21, 2023. Although that letter was presumptively delivered to her, our records do not show that this firm received a response or dispute. The Complaint is our first notice of any dispute or desire for verification. Although the time to request validation has passed under applicable law, this firm will mail to ************** validation of the account we are collecting on behalf of her creditor as a courtesy.
  
  Lastly, Ms. ****** Complaint to the Bureau also requests removal of this debt from her consumer report, however, this law firm does not furnish information to consumer reporting agencies and we have not furnished any information regarding Ms. ****** debt to any consumer reporting agency. Therefore, any requests related to the removal of information which she states appears on her consumer report are not properly directed to this law firm.
  
  I hope that this response adequately addresses any concerns that the BBB or ************** may have regarding the matter.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.

• Initial Complaint

  03/12/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Greetings,I recently reached out to PNC about a fraudulent account on my file. They informed me that I had to reach out to you all because you all have purchased the debt at this point. This account is fraudulent and should be treated as such. Furthermore, in the email- it stated how you all are a debt collector attempting to collect a debt. Per the law, it is a violation to state that you are a debt collector. I am also requesting that you all submit your errors and omissions policy number proving that you are in fact a debt collector, and the original contract proving the agreement is sufficient. A statement or account summary is not acceptable per the law. I am also requesting the chain of title between you and PNC proving that you are in fact a debt collector. If you cannot provide the following documentation, delete the account listed below. Account Number: ************ Last 4 digit SSN: 7398

  Business response

  03/21/2024

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********,** *****
  
  BBB Complaint No.: 21421247
  
  Dear Sir 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 neither a customer nor client of this law firm. Rather, we formerly represented PNC ***** ******************** as its attorneys in connection with a credit card issued in her name ending in 4210. Although her account is no longer being handled by this law firm, we will nonetheless substantively respond to ************************* claims to clarify the facts.
  
  As an initial matter, we wish to note that this law firm does not engage in debt purchasing and we have no ownership interest in **************-Donaldsons obligation. Additionally,although ********************************* requests that this law firm delete the account from her credit report, this firm does not furnish information to consumer reporting agencies and has not furnished any information concerning the above-referenced account. As such, we are unable to provide her any relief with respect to the content of her consumer report. This law firm has not violated the law in our attempts to recover the obligation owed to our client. This complaint is the first notice this firm received of ************************* claim that she has been the victim of fraud. In fact, our records show that despite mailing her a validation notice as our sole written communication to her, in which we accurately disclosed our status as a debt collector in compliance with applicable law, we had not received any contact from ********************************* prior to receiving the instant complaint concerning this matter or otherwise disputing the debt. Upon receiving notice of her dispute, we immediately notified our client, who requested that this firm return the file to them in light of her claims, which we have done.
  
  I hope that this letter resolves any outstanding concerns the Bureau may have with respect to the complaint.
  
  Very Truly Yours,
  
  ZWICKER &ASSOCIATES, P.C.

• Initial Complaint

  03/04/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This collection company offered me a 70 percent settlement on my $21,000 debt in my online account with them . I have already paid the 70 percent and they are still asking for more money. This is an absurd and highly unethical practice and it needs to stop.

  Business response

  03/13/2024

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********,** *****
  
  BBB Complaint No.: 21385748
  
  Dear Sir 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 neither a customer nor client of this law firm. Rather, we represent ******* ***** Bank *** with respect to a judgment debt that arises from a personal loan issued to ****************** ending in 8945.
  
  We respectfully disagree that this firm has acted improperly in connection with our handling of Mr. ******** account and we respond for the purpose of clarifying the facts. Mr. ******** account is not settled. Our records reflect that ***************** established an agreement with our firm in July of 2021 which called for ****************** to remit a series of thirty-six monthly installment payments through June 2024 to satisfy the obligation due to our client in full. That agreement was memorialized in a Consent Judgment signed by ****************** and filed with the court and expressly outlined the terms of repayment agreed to by the parties.  ****************** failed to pay as agreed and defaulted on the agreement.
  
  Our records do show that ****************** has accessed our payment website in the past for the purpose of making additional payments against his debt. He has not, however,accepted any settlement offers through our website nor were the offers we did present improperly calculated or misleading. Those amounts were calculated based on the remaining unpaid balance due and any payments that ****************** has made have been properly credited to his account balance. ****************** is welcome to contact our office to discuss repayment options that *** be available and our agents would be happy to speak with him.  
  
  I hope that this letter resolves any outstanding concerns ****************** or the Bureau *** have with respect to the complaint.
  
  Very Truly Yours,
  
  ZWICKER &ASSOCIATES, P.C.

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