Complaints

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:30/04/2024

  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.

  Swift Disability has failed to acknowledge and accept the ending of the contractual obligation between their predatory, unethical business and myself. In section 8.2 of the agreement I signed it reads clearly as follows "This Agreement will automatically terminate: (a) if Client experiences financial difficulties (including but not limited to Swift Disability Services Ltd. chronic late or failed invoice payments) such that Company can reasonably assume that the Client can no longer meet its obligations under the Agreement; or (b) one (1) day before Client becomes bankrupt or insolvent, or a receiving order is made against Client, or an assignment is made for the benefit of creditors, or Client takes the benefit of any statute relating to bankrupt or insolvent debtors."On February 15th, 2024, I became insolvent and filed for Consumer Proposal with the Office of the Superintendent of Bankruptcy Canada. Proof of my filing is included in this complaint as evidence. I made Swift Disability aware of insolvency, the fact that because of my insolvency, our contractual obligations to eachother have ended, and that I will no longer be needing their services. Since then, Swift Disability has repeatedly hareased me with constant emails, denying that our contract has ended, and has even gone so far as to charge me an invoice for the amount of $3682.73, for a service they did not provide, and that I no longer needed. Swift Disability did not apply on my behalf to the *** for the Disability Tax Credit, nor have they done any "work" or provided me any receipt or explanation of Services Rendered as a justification for this absurd invoice. Swift Disability has threatened to send me a Letter of Demand if I do not pay them, and to send me to their "collections partner" if I do not pay. Again, it is a fact that I am insolvent, and that because of my insolvency, our relationship has contractactually ended. Please BBB, help me have them stop their harrassment.

  

  Business Response

  Date: 30/04/2024

  We understand the gravity of your situation and want to address your concerns promptly and professionally.
  Firstly, we want to clarify that we take our contractual obligations seriously and strive to uphold the highest ethical standards in our business practices. We acknowledge the clause in section 8.2 of the agreement you referenced and understand the implications of your insolvency on our contractual relationship. However, this pertains to clients who file insolvency in which our invoice is included in their creditors package. If you can provide your Trustees contact info or copy of your creditors package for review, we can determine whether this invoice can be included as part of the insolvency.
  It is important to note that our invoice was issued after the date of your insolvency, and we were not made aware of your filing until you brought it to our attention.
  Considering your insolvency and request for termination of our contractual agreement, we are willing to work with you to resolve this matter amicably. We understand that financial difficulties can be challenging, and we want to alleviate any undue stress or burden on your part.
  We will gladly remove the invoice once we receive re authorization from the ********************* (***) and can determine that you did not apply for the Disability Tax Credit Independently. Additionally, if you require any further documentation or clarification regarding the breach of contract of services rendered or the invoice in question, please don't hesitate to reach out to us.
  2. Client Obligations and Acknowledgements. 2.1 Client agrees and acknowledges that he or she shall: (a) cooperate fully with Company on a timely basis and warrants that all information provided to Company in connection with providing the Services is current, complete, true, and accurate at all times and in all respects; (b)be responsible for payment of any and all fees charged by a medical practitioner connected to the performance of the Services; (c) not engage or appoint any other representative to render services that are identical, or similar to, the Services contemplated under this agreement to the Client; (d)not apply on his or her own behalf to the *** within twenty-four (24) months of the Effective Date, for the Benefits corresponding to the time period for which Company prepares an application to the *** under this Agreement;
  Our goal is to ensure a fair and equitable resolution to this matter, and we appreciate your cooperation in helping us achieve that.Please let us know how we can assist you further, and we remain committed to resolving this issue.
  

  Customer Answer

  Date: 07/05/2024

   
  Complaint: 21628518
  
  I am rejecting this response because:

  First of all, there is nothing in the contract stipulating that Swift Disability needs to be included in my insolvency, or that Swift Disability requires to be part of my creditors package. As Swift Disability has offered to provide additional information, I would like to invite them to show me exactly where in the agreement it says they should be included in my creditors package, and access to my ********************* account. ********************************************* originally asked for proof of my insolvency, which I swiftly provided. After they received proof, it was then when they changed direction and came up with a new form of unethical, damaging manipulation, and told me they needed to be included in my "creditors package." For reference, what the agreement DOES SAY, is exactly as follows:

  "This Agreement will automatically terminate: (a) if Client experiences financial difficulties (including but not limited to chronic late or failed invoice payments) such that Company can reasonably assume that the Client can no longer meet its obligations under the Agreement; or (b) one (1) day before Client becomes bankrupt or insolvent, or a receiving order is made against Client, or an assignment is made for the benefit of creditors, or Client takes the benefit of any statute relating to bankrupt or insolvent debtors."

  Swift Disability is not adhering to the clear terms with which we agreed to, and is desperately trying to implement themselves into my insolvency, so they can get some sort of payment for a service they did not provide, I no longer needed, and for which we were/ are no longer bound to each other by.

  Secondly, I let Swift Disability know of my insolvency long before they sent me the crippling invoice for $3,682.73, for which Swift Disability admits in their very response to my BBB complaint, was issued AFTER I let them know of my insolvency, which as agreed, AUTOMATICALLY TERMINATED our contract. Swift Disabilities justification for this invoice is "Breach of Contract" but there was no breach of contract, because I became insolvent, and let them know I no longer needed their services, as is my right. Swift Disability says that the reason for breach of contract is because I removed them from my ********************* account. Once again, there is nothing in the contract that says Swift Disability requires access to the *** to provide their services, and demanding such access is a breach of Federal Law. On the invoice I have been burdened by from Swift Disability for the sum of $3,682.73, there is nothing other than "Disability Tax Services" explaining what the invoice is actually for. There is no breakdown of costs or services rendered, or any justification for the invoice at all. As well there is no mention of "Breach of Contract."

  Thirdly, Swift Disability did not apply on my behalf to the *** for the Disability Tax Credit. Our business relationship had legally and contractually ended long before that process could be finished, or even really begin. A quick search on the internet will provide many similar stories to mine, where Swift Disability viscously preys on people in the same sorts of ways. This is a company with a history of this type of damaging behavior. There are several complaints right here on the Better Business Bureau highlighting this fact. Another issue is that I have requested on multiple occasions that Swift Disability does not contact me anymore, and they refuse to be receptive to my wishes. They re-send the invoice almost daily, and have even called me to continue their harassment.

  To quote Swift Disability directly from their response "Considering your insolvency and request for termination of our contractual agreement, we are willing to work with you to resolve this matter amicably. We understand that financial difficulties can be challenging, and we want to alleviate any undue stress or burden on your part." Swift Disability is directly causing undue stress and financial burden upon both my family and I, as admitted in their response. They are manipulating the facts, had no grounds to issue an invoice in the first place, and have now done more work defending themselves on this matter, than they ever did for the "service" they allegedly provided, but certainly didn't.

  If Swift Disability truly does want to alleviate any undue stress or burden, then the only fair and amicable thing to do is the right thing, which is to acknowledge the facts, erase the invoice and leave me alone. Anything else, as has been the case so far, is directly causing undue stress and financial burden to both me and my family.

  Sincerely,
  
  *********************

  

  Business Response

  Date: 13/05/2024

  .Upon reviewing your complaint, it appears that there may be a misunderstanding regarding clause 8.2 of the contract. Allow us to clarify that clause 8.2 is designed to address situations where a client's account is transitioned to a third-party collection agency or when we collaborate directly with an insolvency trustee. This clause does not excuse clients from their contractual obligations, including but not limited to, the completion of the eligibility assessment process and cooperation throughout the engagement.
  We have meticulously documented the timeline of our interactions and the services rendered to you:
  December 13th, 2023: Initiation of eligibility assessment process, and client agreement sent and duly signed.
  December 15th: Comprehensive review of taxes conducted, with an estimated refund of $14,614 provided pending approval for the DTC.
  December 19th: T2201 forms completed on your behalf.
  January 9th: T2201 forms sent to your doctor's office ahead of the scheduled appointment on January 30th.
  Regular calls and correspondence providing updates on January 11th, January 18th, February 1st, and February 9th.
  February 9th: Confirmation received from your doctor's office regarding completion and signing of the T2201 forms by Doctor.
  February 16th: Continued unresponsiveness from your end.
  February 22nd: Notification received from you expressing a desire to cancel the contract due to a consumer proposal. You were informed that cancellation within the term is not permissible, as a consumer proposal does not always impact potential refunds from the CRA.
  Notifications sent to you on February 29th and March 4th, ( At this juncture,we note that client likely applied independently as doctor has already signed off on forms)
  April 8th: Removal of CRA access by you. We promptly reached out via calls and emails to remind you of your contractual obligations. Reinstatement of CRA access was advised to avoid invoicing for breach of contract.
  April 15th: Invoice issued based on breach of contract due to CRA removal.
  April 30th: Despite our efforts, you remain uncooperative in reinstating CRA access, hindering our ability to ascertain whether you have applied independently.
  We want to emphasize our commitment to resolving this matter in a fair and equitable manner. However, your cooperation is imperative for us to proceed effectively. We are open to discussing potential resolutions that align with your needs and our contractual obligations.

  Customer Answer

  Date: 20/05/2024

   
  Complaint: 21628518
  
  I am rejecting this response because:

  Swift Disability is not answering my questions or providing factual evidence from the agreement to support their arguments. What they are doing is manipulating the words of section 8.2 to try and fit their position, when there is absolutely nothing in there that alludes to needing to be included in my insolvency. As well, Swift has taken upon itself to "meticulously" draft a timeline of events, which is completely unnecessary, as I have already provided all e-mail communication with them as evidence in this case. Swift is trying to paint my character in such a way that I am a liar, and not honest or true in my position, which is a blatant attack on my character. This is not how a professional business should treat a client. I have never dealt with such a manipulative and deceptive entity before. Swift choosing to focus on a timeline of events is wasting everybody's time, including the Better Business Bureau.

  Again, I will lay out three very specific questions with which I demand direct, quotable answers:

  1. Show me where in the contract it states Swift Disability requires initial and ongoing access to my *** account to provide its services.

  2. Show me where in the contract it states that removal of *** access is a breach of contract.

  3. Show me where in section 8.2 of the contract it says that "...clause 8.2 is designed to address situations where a client's account is transitioned to a third-party collection agency or when we collaborate directly with an insolvency trustee."

  None of these arguments are outlined in the contract as Swift Disability is saying they are. Swift is manipulating the language of the contact to fit their position, instead of abiding by the contract and allowing the agreement to "AUTOMATICALLY TERMINATE" as it clearly states, and is what I agreed to. Swifts actions are very intentional and as I have stated before, causing me emotional distress. 

  I will not give Swift Disability access to my *** account, because the contract does not say I need to, and because I have no good reason to trust that Swift Disability is acting in good faith. I do not trust their company, or anybody who represents them. I will, however, outline the fact that it is in no way beneficial for me to apply on my own behalf to the *** for the Disability Tax Credit at this time, as any money I am to receive from the government, will be directly applied to the outstanding balance of my Consumer Proposal. It is in my benefit to hold off on any future application until my insolvency has concluded and the balance is paid in full, which is not for another four and a half years. There is no room for assumptions in this matter, only facts and it is a fact that I am insolvent. With that, as agreed to by both Swift Disability and myself, our business relationship is now finished.

  I urge anybody reading this complaint on the Better Business Bureau, not to sign a contract with Swift Disability, as they are vicious and relentless in their actions. It is very clear to me now that providing an honest service is not Swift Disabilities business model, and that the contract they have people sign, and defending the contract, is the actual business model. They provide a bare minimum service, which involves pressuring you into signing the contract, clicking a few buttons, a phone call or two, then sitting back and collecting a passive income indefinitely. Then when you have a perfectly legal and honest way out of the contract, the contract of which actually benefits nobody but themselves, they will harass you and manipulate the truth to no end, in defense of their contact. Swift Disability should be helping people with disabilities, not causing emotional distress and furthering financial burden to those they say they are in business to help.

  If my response is not satisfactory to Swift Disability, then I will follow the process outlined with the Better Business Bureau, starting with Conciliation, followed by Mediation, then finally submitting a Demand for Arbitration if necessary. I will offer to retract my complaints with the Better Business Bureau against Swift Disability, if they agree to retract their invoice, and acknowledge and accept the ending of our agreement. My argument is factual and true, and Swift Disabilities arguments will not hold up in court, as the facts are not stacked in their favor. 
  
  Let's get this finished and in the past, please
  
  *********************

  

  Business Response

  Date: 23/05/2024

  
  
  We appreciate the opportunity to respond to the complaint filed by this client regarding the impact of his consumer proposal on his Disability Tax Credit (***) refund and the associated invoicing concerns.

  Impact of Consumer Proposal on *** Refund
  We want to clarify that the client's consumer proposal should not affect his Disability Tax Credit refund, as there is no debt to the ********************* (***) noted in his proposal. The *** typically offsets refunds against existing debts, but since no *** debt exists in this case, the *** refund should be processed independently of the consumer proposal.
  
  Efforts to Resolve the Issue
  We have made multiple attempts to work with this client to address his concerns and clarify the situation. Unfortunately, these efforts have not been successful. Despite this, we remain committed to resolving this matter amicably.
  
  Client Obligations and Acknowledgements
  Per Section 2 of our agreement, this client agreed to several obligations, including:
  1. Cooperation: Providing current, complete, true, and accurate information on a timely basis. ( This would include *** access)
  2. Payment of Fees: Being responsible for any fees charged by a medical practitioner connected to the services provided.
  3. Exclusive Representation: Not engaging or appointing any other representative for identical or similar services during the term of the agreement.
  4. Non-Application Clause: Not applying to the *** on his own behalf within twenty-four (24) months of the Effective Date for the benefits for which we prepare an application.
  
  Swift has been fully transparent and communicative with this client throughout this process and we are committed to finding a resolution.  Our goal is to ensure that all parties fulfill their contractual obligations fairly and transparently.
  
  Sincerely,
  Swift Disability Services Ltd.

  Customer Answer

  Date: 24/05/2024

   
  Complaint: 21628518
  
  I am rejecting this response because:
  

  This is getting to be way past ridiculous. Again, Swift has not actually answered my questions, and I am assuming they are not answering them, because they are not able to answer them. Instead, they choose to dance around the facts, the main one being that they absolutely refuse to acknowledge and accept that our relationship has ended, due to section 8.2 of our contract, and my very true and factual insolvency. I am tired of getting the same response, with them saying that they are doing their best to work together to figure this out, when they have done nothing to work this out. At what point have they offered any solution other than demanding that they receive access to extremely sensitive information, which they are not privy to, and which the contract DOES NOT stipulate they need access to? Even in their own response in their last message, they confirm that I would be responsible for any fees incurred by my DOCTOR, not some made up invoice they came up with on their own, and now are demanding I pay. I am not going to pay anything whatsoever to Swift Disability. I will not give them access to my CRA account. I just want them to leave me alone.

  Lets move on to the next step here. Or go straight to binding arbitration. I care not.

  
  Sincerely,
  
  *********************

  

  Business Response

  Date: 29/05/2024

  We have received and reviewed your complaint. While we understand your frustration, we must address the inaccuracies and untrue statements regarding our business practices.
  
  Firstly, we would like to emphasize that Swift Disability is committed to providing honest and effective services to all our clients. Our aim is to assist individuals in obtaining the benefits they are entitled to, not to cause distress or financial burden.
  
  Regarding your specific situation, we would like to remind you of the obligations outlined in our agreement. Per Section 2 of our agreement, you agreed to several obligations, including:
  
  Cooperation: Providing current, complete, true, and accurate information on a timely basis. This includes granting us access to your CRA account to facilitate the application process.
  
  We have made multiple attempts to provide you with options to have your invoice voided and removed. Unfortunately, these attempts have not been successful due to your refusal to cooperate with the reasonable steps outlined in our agreement.
  
  As you are aware, your contract is now at the demand letter stage. Given your continued non-compliance and refusal to resolve the matter amicably, we will have no choice but to proceed with the next step in escalations..
  
  However, we are willing to offer a compromise. If you are willing to have your accountant provide proof from your CRA account that there is no application for the Disability Tax Credit in process, specifically under *********** Inquiry, Notices of Assessment ***** reassessments for 2014-present, and Benefits and Credits, we can re-evaluate the situation.
  
  We regret that it has come to this, and we encourage you once again to reach out and discuss potential resolutions to avoid further escalation. Our goal remains to resolve this matter in a manner that is fair and satisfactory to both parties.
  
  Sincerely,
  Swift Disability Services Management

  Customer Answer

  Date: 30/05/2024

   
  Complaint: 21628518
  
  I am rejecting this response because:
  
  Sincerely,

  There is nothing whatsoever in the contract that stipulates that there is a fee for "breach of contract" which Swift Disability is basing their invoice on, for which they've charged me. There is nothing in the contract that says I need to give them access to my CRA account, and in fact, I was not made aware that they needed access to my CRA account until after they initially pressured me into signing the contract. I made them aware of my insolvency long before they deemed it necessary to go ahead and conjure up their absurd invoice, as well I had let them know I no longer needed their services at the same time. I have pointed out multiple times the very specific and clear terms in section 8.2 that ends our relationship due to my very real and factual insolvency, and Swift has continued to warp and change the wording to suit their needs. They have continuosly refused to accept that not only do I not want their services, but that they have no legal right to access the information they are requesting. They have manipulated their way into obtaining sensitive personal medical and financial information from me, including my full and complete filings involved with my insolvency. Though they know the facts very well, they refuse to accept them and continue forward with their threats of "escalation" and legal actions, all while dressing it up in a package to make it seem like they are trying to work together to come to an amicable agreement. Now they are requesting that I provide them even more sensitive personal information from the **** which again is not explained or agreed to anywhere in the self-serving contract they have their victims sign. There is nothing to work together for. Our obligations to eachother have ended the moment I became insolvent, in fact one day before I became insolvent, as both Swift Disability and I have agreed to. This is an unequivocal fact. It's a fact that does not work in Swift's favor as they would have it, but it is as clear a fact as there can possibly be. 

  I have attached a screenshot from my CRA account that shows I have not claimed any amount for the **** I trust this will be sufficient to end this miserable experience so we can all move on with our lives. 

  If not, I am demanding that the Better Business Bureau please step in, so we can move forward with Binding Arbitration. This needs to end. Swift Disability has been and continues to knowingly cause me great deals of emotional and financial distress.

  *********************

  Customer Answer

  Date: 05/06/2024

  [A default letter is provided here which indicates your acceptance of Mediation. If you wish, you may update it before sending it.]

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID .********, , and find that Mediation is necessary.

  Regards,

  *********************

  

  Business Response

  Date: 10/06/2024

  [A default letter is provided here which indicates your acceptance of Mediation. If you wish, you may update it before sending it.]

  Better Business Bureau:

  I have reviewed the response made by the consumer in reference to complaint ID .********.

  Thank you.

  Customer Answer

  Date: 12/06/2024

  [A default letter is provided here which indicates your acceptance of Mediation. If you wish, you may update it before sending it.]

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID .********, , and find that Mediation is necessary.

  Regards,

  *********************

  

  Business Response

  Date: 12/06/2024

  [A default letter is provided here which indicates your acceptance of Mediation. If you wish, you may update it before sending it.]

  Better Business Bureau:

  I have reviewed the response made by the consumer in reference to complaint ID .********, and find that Mediation is necessary.

  Thank you.

  

  Business Response

  Date: 12/06/2024

  [A default letter is provided here which indicates your acceptance of Mediation. If you wish, you may update it before sending it.]

  Better Business Bureau:

  I have reviewed the response made by the consumer in reference to complaint ID .********, and find that Mediation is necessary.

  Thank you.

• Initial Complaint

  Date:23/02/2024

  Type:Billing Issues
  Status:

  ResolvedMore 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 contacted the company for help and they made it sound like I couldn't apply for the disability credits through *** without their help.They said they needed the original form filled by my doctor, but he refused, so I told them I couldn't get what they needed and to cancel my claim.My doctor explained that he could help me.Now they say I owe them *******, but I didn't use them for my case.

  

  Business Response

  Date: 23/02/2024

  We appreciate the opportunity to address the concerns raised in your Better Business Bureau complaint, and we take all client feedback seriously. Our commitment to transparency and professionalism is paramount, and we regret any inconvenience caused.
  
  Upon thorough investigation, it has been confirmed that the client breached the terms of our contractual agreement by independently applying for Disability Tax Credit (DTC) without the involvement of our services. Our records indicate that the client informed our account manager that the doctor would not sign the T2201 form, leading to the belief that he was unable to proceed with the application through our assistance.

  
  Upon further examination, we discovered that the client had indeed submitted the application independently, contrary to the understanding conveyed to our account manager. We understand the importance of clear communication and adherence to contractual obligations in fostering a positive client relationship.

  
  In light of the situation, we are committed to working on an amicable resolution that will work for both us and the client. We understand the significance of reaching a resolution and are open to further discussion with this client. We are willing to work collaboratively to address any remaining concerns and explore potential avenues for resolution. However, it is crucial to note that the invoice for our services, as outlined in the original agreement, still stands.
  

  
  Once again, we appreciate the opportunity to address this matter, and we remain dedicated to delivering exceptional service to our valued clients.

  Customer Answer

  Date: 24/02/2024

  
  Complaint: ********
  
  I am rejecting this response because:
  My doctor assisted me with my claim, not Swift disability. I understand they began to help, but then I told them too close my claim.  No way am I paying $5005.98 for the amount of help received by them.
  Sincerely,
  
  *************************

  

  Business Response

  Date: 26/02/2024

  We acknowledge and appreciate your recent communication expressing your rejection of the proposed resolution. We are committed to addressing your concerns and finding a compromise that works for both parties.
  
  Despite our sincere efforts to connect with you and discuss the matter further, we have unfortunately been unable to reach you on several occasions. Your satisfaction is of utmost importance to us, and we are fully willing to work with you on an amicable solution.
  
  Understanding that situations can be complex, we seek open communication to better comprehend your perspective and collaborate on a resolution that aligns with your expectations. Your input is invaluable, and we want to ensure that your concerns are thoroughly addressed.
  
  It is crucial to note that, should a resolution not be reached, we may have no alternative but to escalate this matter . We sincerely hope to avoid such measures and believe that an open and transparent conversation can lead to a resolution that satisfies both parties.
  
  We understand that your schedule may be busy, but your prompt attention to this matter is greatly appreciated. We value your business and remain committed to resolving this issue amicably.
  
  Thank you for your understanding and cooperation.
  
  Sincerely,
  
  Swift Management

  Customer Answer

  Date: 27/02/2024

  
  Complaint: ********
  
  I am rejecting this response because:
  I did not use their service in the end. They are scammers who take advantage of people, I am not the first one.

  I am not paying a company for doing nothing

  
  Sincerely,
  
  *************************

  

  Business Response

  Date: 01/03/2024

  Swift and this client have resolved this dispute together collaboratively.

  Customer Answer

  Date: 04/03/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:21/12/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore 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 have not recieved any money from it yet but Swift has already made up an amount , and sent their Portion which is 24% to collections which is accruing interest as we speak and I have NOT recieved any money yet. Also according to CRA I will only get half of the money that Swift calculated and they would not change the amount for example I'll get around **** instead of ***** but they still say I owe them **** which is more than half.I am eligible for the *** but it could be 8 weeks away still and the interest is accruing right now , by the time I actually recieve anything I'll owe it all to interest.I really need help with this as I am stuck in a bad spot and don't know what to do.Any help would be greatly appreciated.If you need to know anything else please email me at ************************ Thank you.

  

  Business Response

  Date: 21/12/2023

  We appreciate your reaching out to us and bringing your concerns to our attention via the Better Business Bureau (BBB). We take customer feedback seriously, and we are fully committed to resolving any issues you *** be experiencing.
  After carefully reviewing your case, we have identified that your concerns involve invoicing you as a result of your removal of *** access. Please be assured that we are eager to address these concerns and find a satisfactory resolution for you.

  
  However, we have encountered some challenges in our attempts to reach you and proceed with the resolution process. It has come to our attention that the ***** authorization, a crucial element of our contractual agreement, has been removed. This action is in breach of the terms outlined in our contract and has limited our ability to proceed with certain aspects of the resolution.

  
  To move forward and expedite the resolution process, we kindly request your cooperation in reinstating the *** authorization. This step is essential for us to access the necessary information and take the appropriate actions to address your concerns effectively. Once this has been completed, we will be able to identify your refund amount and invoice accordingly.

  
  We understand that communication is key in resolving any issues,and we have made numerous attempts to contact you without success. We genuinely value your business and want to ensure your satisfaction. Rest assured, your concerns are our top priority, and we are eager to work collaboratively to find a resolution that meets your expectations.
  Please reach out to us at ********************** to discuss the reinstatement of the *** authorization and to provide any additional information that *** assist us in addressing your concerns promptly. We are committed to resolving this matter to your satisfaction and appreciate your cooperation in facilitating the process.

  Customer Answer

  Date: 27/12/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *************************************

• Initial Complaint

  Date:06/12/2023

  Type:Customer Service Issues
  Status:

  ResolvedMore 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 company passed me around to many case workers. They app**** for taxes I told them not to on more then one occasion bc I already app**** for it by myself years b4 I started working with them. Then because that didn't ***** my trust enough once I asked them for the paper work to be sent to me and not directly to the dr as per dr request thay say that was fine, then proceeded to send the paper work to the dr anyway. Then I decide that I don't want to work with them anymore bc not only did they ***** my trust they made/tried to make changes to my taxes (that had nothing to do with what I was seeing them about). Now they are trying to bully me into continuing to work with them and give them back access to my taxes, by giving me a ridiculous bill. They did not listen to me as their customers they did whatever they wanted and **** about it. I have photos to prove it. even after the fact they tried to tell me they sent nothing to the dr and had no information to be able to send them. You can clearly see they did both send stuff to the dr and have the information.

  

  Business Response

  Date: 07/12/2023

  We are actively engaged in communication with the client and are commited to an amicable resolution.

  Customer Answer

  Date: 09/12/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  Even though you offered to give me a new case worker at a lower rate. I simple don't trust the company. My trust has been breach along with the access I gave you to my taxes was breached. I've had two different case workers already that went against my wishes and simply ****. There for a new case worker isn't gonna fix my trust with the company.
  
  
  
  Sincerely,
  
  
  
  *** ********

  

  Business Response

  Date: 15/12/2023

  The client and Swift have resolved these concerns.

  Customer Answer

  Date: 18/12/2023

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. I have agreed to cancel my complaints against swift. In return they agree to void/cancel my contract. 
  
  
  
  Sincerely,
  
  
  
  *** ********

• Initial Complaint

  Date:23/11/2023

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore 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 writing to file a formal complaint against Swift Disability Services. In late summer of this year, I saw an advertisement from Swift Disability Services on social media that promised significant tax returns for individuals with qualifying disorders. They advertised a risk-free and cost-free application process, which prompted me to initiate contact.After a brief phone consultation, Swift Disability Services quickly concluded that I qualified for their services. They requested access to my ********************* (***) account and sent me a contract outlining their services and obligations. Subsequently, they provided Part B of form ***** from the *** to my doctor for completion. My doctor expressed strong reservations against Swifts practices, found errors in the form, and doubted my eligibility for the claimed benefits. Based on her advice, I decided to discontinue any further dealings with Swift.Despite informing Swift Disability Services of my decision to terminate our working relationship, I later received a voicemail from a representative named ******, accusing me of attempting to bypass their services to claim the tax refund directly. This accusation is baseless and misrepresents the situation. Soon after, I received an invoice from Swift, demanding payment for services they never rendered.I assert that the invoice issued by Swift Disability Services is unjustified as no tangible service was provided. I demand the immediate cancellation of this invoice. I also require written confirmation from either the BBB or Swift Disability Services stating that the invoice has been cancelled. I urge the BBB to investigate Swift Disability Services misleading advertisements and high-pressure tactics, which contradict their claims of a risk-free and cost-free service. I've included screenshots / documents outlining our last interaction.I appreciate your attention to this matter and await a resolution that upholds consumer rights and business ethics.

  

  Business Response

  Date: 24/11/2023

  I appreciate your prompt communication regarding the recent BBB complaint concerning the invoice for the perceived breach of contract. We take all customers concerns seriously and aim to address them thoroughly.
  After a comprehensive review of the matter, we find ourselves in strong disagreement with the assertions made in the complaint. Our team has meticulously examined the terms and conditions outlined in the contract, and we firmly assert that we have adhered to our contractual obligations.
  Furthermore, during our investigation, we discovered a significant discrepancy in the information provided. It has come to our attention that there was a misleading communication with our **************** representative.The client had conveyed that the doctor did not agree with the severity of the health condition, leading our representative to believe there was a divergence in professional opinion.
  However, upon further examination, it became apparent that the client was proceeding with the application independently, which is a clear breach of the terms outlined in our contract. The contractual agreement explicitly requires collaboration and cooperation between both parties to ensure accurate and timely processing.
  Additionally, we noted that access to progress on the application for the Disability Tax Credit (DTC) was unilaterally restricted by the client, who removed Swift from accessing any updates. Such actions further impede our ability to fulfill our contractual obligations and work collaboratively toward a successful outcome.
  Given the identified breach of contract by the client, we must affirm that the invoice in question will stand. Our commitment to a fair resolution remains unwavering, and we are open to discussing the specifics of the situation to find a resolution that aligns with the terms of our agreement.
  To provide a comprehensive understanding of the situation, we can provide the relevant documents, including our **************** Agreement and the email communication from the client. These documents will offer transparency and clarity on the sequence of events leading up to the present situation.
  To facilitate a constructive resolution and gain a deeper understanding of your perspective, we propose scheduling a meeting or call at your earliest convenience. This would provide an opportunity for an open dialogue, allowing us to address any specific concerns you *** have and explore potential solutions.
  Your satisfaction is important to us, and we believe that open communication is key to resolving any issues that *** have arisen.
  Please let us know a time that suits you for a meeting or call, and we will make every effort to accommodate your schedule. We are eager to engage in a productive conversation that leads to a resolution satisfactory for both parties.
  Thank you for bringing this matter to our attention, and we look forward to the opportunity to discuss it further.
  Tell us why here...

  Customer Answer

  Date: 01/12/2023

  
  Complaint: ********

  I am gravely concerned about Swifts response and their insistence on disrespecting my wishes and continuing to misrepresent the situation in a way that attempts to further their financial gain at the expense of others.  This behaviour not only disrespects my decision to disengage based on my doctor's professional advice but also showcases their predatory nature.
  

  
  Swift is correct that my initial email, terminating our working relationship, did not disclose my doctor's ******* to collaborate with them or to fill out PART B of the application. This omission was an attempt to exit the situation diplomatically and without causing undue harm to Swift. However, I am fully prepared to provide written testimony from my doctor supporting this stance, which should unequivocally resolve this matter.
  
  Swift's continued attempt to coerce me into representation with the ********************* (***) against my physician's explicit ******* highlights and confirms a pattern of aggressive conduct and a propensity for putting others under duress for their financial gain. My doctor has described them as pushy and, in previous interactions has witnessed first-hand their habit of pressuring medical professionals into providing potentially deceptive information to the *** for their financial benefit. This not only jeopardizes my doctors career but also opens me up to negative consequences with the ***. It is crucial for the BBB to note that Swifts insistence on continuing to represent me despite my doctors reservations about my ability to qualify shows exactly why my doctor chooses not to work with Swift. As she mentioned to me privately, they are pushy, unprofessional, over-promise things to their clients, and then put medical professionals under duress to make dangerously misleading statements to the *** in order to get the application approved and their commission disbursed.
  
  As a side note, there is an extreme shortage of family physicians in our region of the province. My son and I went two and a half years without a doctor leading up to April of this year, which presented significant challenges to our health and the ability to access the care we needed. If it were not for a personal connection and us pleading with our current doctor to take us on, we would not have one. I will not do anything to jeopardize that professional relationship. Swift is clearly unaware of the consequences of their actions and the potential damage they may cause to me and my family. I urge them to consider their actions carefully.
  
  As for the contractual situation with Swift, here are the facts:
  
        *** ********** *** ****** ***** *********** **** * *** ********* ** *** *** **** ******* ************
        My physician has declined to fill out and submit PART B (evidence attached).
        Swift has no authority to coerce my physician into actions she is unwilling to take.
        Swift's contractual fulfillment is dependent on my doctor's cooperation, which is unequivocally absent.
        Swift advertises a risk-free and cost-free application, which is clearly misleading.
        I maintain the right to cease all dealings with Swift, a right I have already exercised.
        Swift's invoice is speculative and baseless, as by their own admission, it is premised on outcomes that have not and will not be realized.
        No schedule of fees or penalties for contract termination was stipulated in the contract or communicated to me prior to signing.
        My privacy rights and data protection are paramount, particularly when that data is unnecessary for services that are unfeasible and unwanted due to unprofessionalism (among other issues).
        Any attempt by Swift to access my personal *** data against my will is a breach of federal law.
        Swift has ignored my cease and desist request, as evidenced by the correspondence and invoice sent after my explicit directive to cease all direct contact on Nov 8, 2023 (evidence attached).
        The cumulative effect of Swift's actions amounts to harassment, and their baseless invoice, threats of collection, and subsequent coercion to continue pursuing the *** against my and my doctors wishes is a clear attempt at extortion.
  
  I demand a written acknowledgment confirming the cancellation of the invoice within the next 10 business days, failing which I will be forced to consider further action.
  
  I trust that the BBB will take this complaint seriously and recognize the pattern of behaviour exhibited by Swift Disability Services as predatory and damaging.

  

  Business Response

  Date: 09/12/2023

  We are actively working with this client to resolve his concerns are are commited to a positive outcome.

  Customer Answer

  Date: 11/12/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *************************