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:06/12/2025

  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.

  This company is a debt collector attempting to collect a valid debt I owe to my ***, immediately after receiving the verification of debt letter I contacted them to attempt to a resolution. The attorney fees they are charging are almost the amount of the debt owed which seems disproportionate. I asked why the amount was so high when Mississippi ***s dictate that these fees be both fair and reasonable which they responded that because they were based out of Florida they didnt have to follow MS *** even though thats where the debt was incurred and where the *** and I reside. This is a violation of several consumer protection ***s. Ive already paid the full amount owed to prevent further damage to my credit but these types of tactics are inappropriate and seemingly un***ful.

  Business Response

  Date: 06/19/2025

  ******,

  I have included our response to the consumer's concerns.

  Please contact me if you have any questions.

  ****

• Initial Complaint

  Date:06/11/2025

  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 was sent to collections for *** fees 2 years ago. I was never notified of any charges, past due balances or other charges until I was contact by phone by Schwartz Vays. In that time, I told them the *** had never made me aware of any charges but still tried to settle with them with an agreeable amount. They declined. So I have been making payment to them when able. I was recently just charged a $75.00 for "other charges" without any kind of notice this was being added. I called and spoke with the manager ****** and he advised it is from a charge they should have put on the account in 2023 but have recently found the error and in "normal circumstances" this would have been charged 2 years ago. He couldn't answer why my account wasn't "a normal circumstance" and would not remove the charge.Also, the very first time i was made aware that if i went on a payment plan, no other charges could accur was TODAY!!! I do not believe I should be able to occur charges just because they forgot to add it 2 years ago ecspecially without notice.

  Business Response

  Date: 06/16/2025

  ******,

  I have included our response to the consumer's concerns.

  Please contact me if you have any questions.

  ****

  Customer Answer

  Date: 06/17/2025

   
  Complaint: 23454431
  
  I am rejecting this response because: I do not beleive they should charge me a fee 2 years after the fee was suppose to be generated just because they missed it 2 years ago. 
  
  Sincerely,
  
  ***** ********

  Business Response

  Date: 06/22/2025

  ******,

  We have included our response to the consumer's additional concerns.

  Please contact me if you have any questions.

  ****

• Initial Complaint

  Date:05/22/2025

  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 have paid HOA fees after moving into my deceased daughters home to take care of my granddaughter. When I got the check for the estate I made a lump sum of over $700. I called Schwartz Vaus and then began making payments of over $400 a month. To make a long story short, somehow when I went to make a payment in April 2025 I had been blocked and unable to make a payment through checking or debit card and they said they did not know why. After calling every day they came up with some excuse that I had payments that did not go through because of insufficient funds. So I said I was tired. I went to the bank got a cashier's check for $997 and sent it overnight. They told me that because it was the last day of April they would charge me late fees for May I said thats fine. The late fees came out to $153 so I went to the bank and got another check for that amount and mailed it May 15. I called Tuesday after looking online to see if it had been posted and I see a balance of $512. I called Wednesday and they could not tell me what it was for. I called today Thursday and they claim the $153 has not been posted yet and I owe you over $300 for attorney fees. This is crazy because I doubled my payment in April so I can be finished and Im not finished yet according to them. I feel like they will continue to try to get money from me.

  Business Response

  Date: 05/28/2025

  ******,

  We have included our response to the consumer's concerns.

  Please contact me if you have any questions.

  ****

• Initial Complaint

  Date:04/29/2025

  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.

  3/9/25 recieved a collection letter for a property that i do not own.Complaint Narrative On March 9, 2025, I received a debt collection letter from Schwartz Vays, dated March 17, 2025,seeking $2,575.34 for a property I do not own: ***************************************** (Property ID: *************** property is owned by Mr. ******* *****, who holds a life estate, per public records from the Hernando County Tax Assessor and Property Appraiser websites. I have no ownership in this property.Despite this, both I and my sisters ******** ********* and ******** ***************** identical collection notices.Following 15 U.S. Code 1692g (Section 809(b)) of the Fair Debt Collection Practices Act (*****), I sent a certified letter on April 1, 2025, received by Schwartz Vays on April 11 2025, in which I:Formally disputed the debt;- Requested full validation, including a Creditor/Debt Collector Declaration;- I enclosed screenshots from official county websites confirming that Mr. ***** is the sole ******** response or validation has been provided. Instead, Schwartz Vays sent another collection notice dated April 17, 2025, received April 28, 2025 for $3536.62. I sent a second letter again disputing the debt and requesting proof of ownership and their authority to collect.Requested Resolution I request that the Better Business Bureau require Schwartz Vays to:- Provide evidence that this debt is mine;- Confirm they are legally authorized to collect it;- Cease all communication and collection efforts on this erroneous debt.This appears to violate the ***** and has caused undue stress. I respectfully request your assistance in stopping this improper activity.===================

  Business Response

  Date: 05/10/2025

  ******,

  I have included our response to the consumer's concerns.

  Please contact me if you have any questions.

  ****

• Initial Complaint

  Date:04/29/2025

  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.

  Company: Schwartz Vays Complaint Type: Attempted Collection of Debt Not Owed Date of First Contact: March 9, 2025 Amount in Dispute: $2,575.34 Property Address: ***************************************** Property ID: ********* Complaint Narrative On March 9, 2025, I received a debt collection letter from Schwartz Vays, dated March 17, 2025, seeking $2,575.34 for a property I do not own: ***************************************** (Property ID: *************** property is owned by Mr. ******* *****, who holds a life estate, per public records from the Hernando County Tax Assessor and Property Appraiser websites. I have no ownership in this property.Despite this, both I and my sistersDonna ******** and ******** ***************** identical collection notices.Following 15 U.S. Code 1692g (Section 809(b)) of the Fair Debt Collection Practices Act (*****), I sent a certified letter on April 1, 2025, received by Schwartz Vays on April 7, 2025, in which I:Formally disputed the debt;- Requested full validation, including a Creditor/Debt Collector Declaration;- Requested that all collection efforts cease until validation was provided.- I enclosed screenshots from official county websites confirming that Mr. ***** is the sole ******** response or validation has been provided. Instead, Schwartz Vays sent another collection notice dated April 17, 2025, received April 28, 2025 for $3536.62. I sent a second letter again disputing the debt and requesting proof of ownership and their authority to collect.Requested Resolution I request that the Better Business Bureau require Schwartz Vays to:- Provide evidence that this debt is mine;- Confirm they are legally authorized to collect it;- Cease all communication and collection efforts on this erroneous debt.This appears to violate the ***** and has caused undue stress. I respectfully request your assistance in stopping this improper activity.

  Business Response

  Date: 05/10/2025

  ******,

  I have included our response to the consumer's concerns.

  Please contact me if you have any questions

  ****

  Customer Answer

  Date: 05/12/2025

   
  Complaint: 23264838
  
  I am rejecting this response because:

  1) As per the 2/1/2024 ORDER DETERMINING HOMESTEAD STATUS OF REAL PROPERTY ******* *****, was granted a life estate and is the sole party legally responsible for the property. Neither I nor my sistersDanielle ********* and ***** Tamburrohave any current ownership or financial obligation relating to this property. Instead this order states that  ******** *********, ***** ******** and ******** ********* have a remainder vested interest ( as beneficiaries) at the passing of Mr. ******* *****.

   
  Please find the following supporting documentation enclosed:
      - EXHIBIT A: Order Determining Homestead Status of Real Property (Hernando County Probate Court, signed February 1, 2024), confirming ******* ******* life estate.
     - EXHIBITS B1 & B2: Hernando County tax records listing ******* ***** as responsible party.
     - EXHIBITS C1 & C2: Hernando County Property Appraiser records confirming life estate status.
     - EXHIBIT D: Screenshot of sealed civil probate website confirming our status as future remainder beneficiaries, not owners. (This is the information that Schwartz Vays incorrectly and fraudulently claims shows our current ownership)

  
  2) Schwartz Vays did not proof that we owe this claim.
  Instead they reference a civil probate website (EXHBIT D) which is the the entry of the  "Order Determining Homestead Status of Real Property"  (EXHIBIT A) into the public record.  EXHIBIT A is the ORDER of HOMESTEAD that confirms ownership by ******* ***** as a life estate and  our status as a future "remainder interest" as beneficiaries, not owners.

   
     This ORDER referenced in this court entry is the information that Schwartz Vays incorrectly and fraudulently claims shows our current ownership

  
  Despite having sent this documentation twice via registered mail (most recently on March 31, 2025  & April 26, 2025), and despite similar efforts by my sisters, Schwartz Vays continues to pursue us for a debt we do not owe.

    
  Additionally:
  - The April 30, 2025 letter from Schwartz Vays is not only misleading, it was actually never received by any of us, so I sincerely doubt its validity and it lacks proof of delivery to any of the named individuals.

  - Nowhere in the referenced probate website does it state that we are current owners or responsible for any debt associated with the property. A remainder interest, by legal definition, does not convey ownership or liability while the life estate holder is alive.

     

  This ongoing harassment, despite multiple good-faith efforts to clarify our legal status, is not only unfounded but borders on willful misrepresentation. I respectfully request that the BBB intervene and ensure Schwartz Vays cease all collection efforts against myself and my sisters, and remove our names from any record or attempt to collect this debt.

  
  I am willing to provide proof of previous correspondence and delivery confirmation upon request.

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

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

  Business Response

  Date: 05/20/2025

  ******,

  We have included our response to the consumer's additional concerns.

  Please contact me if you have any questions.

  ****

  Customer Answer

  Date: 05/20/2025

   
  Complaint: 23264838
  
  Good afternoon,

  Once again,  am rejecting this response because according to the HOMSTEAD Court order I have provided numerous times (and that Schwartz Ways itself provides as evidence), I do NOT have a present interest in this property but rather a "remainder interest" and as such am NOT a legally responsible party to this debt and request that my name be removed from their files.

  Mr ******* ******* name can remain and I understand that liens and foreclosure may apply. I have no problem with that. I object to my name being listed as a debtor on a property and associated debt to which I have no present interest or legal responsibility.
  
  Sincerely,
  
  ******** *********

• Initial Complaint

  Date:04/09/2025

  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 was in error and did not pay my home owner's association dues and was sent to collections. I was sent to Schwartz Vays and received a letter with payment amount due. This was in December of 2024. I immediately began paying and was consistent with payments of original amount of $1900. I contacted the collection agency to assure my payments were noted. I had made 9 payments and was nearly finished in a few months. March of 2025 I was informed by Schwartz Vays that I had made 7 payments and not 9 payments. I was also advised that the new years' *** **** had been added to my balance. I disputed my payment history by sending banking documentation of said payments. I contacted Schwartz by email and by phone numerous times and got a letter saying that it was still only 7 payments made. The difference was $200. While not a great deal, I was concerned that they did not acknowledge that the payments were not credited to my account. I also received a letter from my HOA with a bill for the term that I was now paying Schwartz. This was quite concerning. I contacted my HOA and was told to follow up with Schwartz. I did this also in March and Schwartz advised me that they would respond. To date I have not received any information from Schwartz about my missing payments and confirmation that they are collecting the funds on behalf of dues I owe to the **** I now doubt the validity of this debt collector and would ask that I be given some method of actually hearing from Schwartz concerning my lost payments. I would also request adjustment to my balance in the amount of $200 and any increasing fees that this agency charges. As of date I have now made an additional payment and that is 10 payments total. I called Schwartz today and was told again that I have made 7 payments. Something is wrong!!! This brings the issue to now $300 missing payments

  Business Response

  Date: 04/16/2025

  ******,

  We have included or response to the consumer's concerns.

  Please contact me if you have any questions.

  ****

• Initial Complaint

  Date:04/03/2025

  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 have an account with ******************** for HOA fees due in the amount of about $13000 (this is includes interest, fees, etc). The company is now offering to put me on a payment plan that clearly violates the Fair Debt Collections Act by adding illegal interest charges and fees. They want me to pay $1530 a month for the next 18 months which totals $27,540, more than double the amount of the debt I owed originally. Theyve also tried demanding a 25% down payment and acting as if theres no way to move forward with the payment plan without the down payment. On top of that theyve contacted and sent my mother details of the debt and action that could be taken, again violating the ****. The agreement they sent me also states nothing of the amount owed, a payment schedule, how they calculated it and they refuse to send anything that supports what theyre attempting to collect whenever I ask for it along with the employees lying about who is and isnt a manager for the company. Its clear to me that this company is scamming people out of their money with illegal acts, interest, fees, etc. and action needs to be taken against them.

  Business Response

  Date: 04/10/2025

  See attached response.

  Customer Answer

  Date: 04/23/2025

   
  Complaint: 23158109
  
  I am rejecting this response because:

  What I do not understand is the extra late fees and charges being added on that make my payment plan $1530 for 18 months, equaling $27,540 that Id end up paying. Ive asked for details that explain how those numbers are calculated and have never been given one, only told that they would still be adding fees as Im still making payments. I also got a call from ***** yesterday and he was extremely aggressive on the phone and trying to force me to make an immediate payment when the administration has stated they were required to give me 30 days (from April 7th) since Im in a dispute status. 

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

  Business Response

  Date: 05/02/2025

  Please see the attached response.

• Initial Complaint

  Date:02/12/2025

  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 reached out to this company to go ahead and pay my bill. I was talk to very aggressively, and when requested the manager, I was told by the representative that I was unable to speak to a manager and no one was there. I then called back to the company to pay my bill to get a final payment was told that they will contact me back within the next few minutes. I have and have never heard from them. I then again called back and asked to speak to the gentleman who called me originally who were supposed to get me to the payment department so I can go ahead and get their information so I can send in a cashiers check to ensure that my funds would be received and posted to my account. I was told I was unable to pay with a cashiers check that will be certified. I was told that I only can use my account or a credit card to pay which seems like fraudulent behavior when dealing with a fee over $10,000 my *OA hired this company to bully people out of their money , we are aware that we are possibly owe and a bill but we are not here to be downgraded and belittled by a company such as this. I ask for numerous printouts of how they came to the number and I have yet to receive those in detail only with their made up numbers that they decide to send over to me and when asking to speak to the person who emailed me Im being told that person no longer works for the company, this is a horrible company. Once Im done paying my bill I am going to sell my home to get away from the * away and their fraudulent collection company.

  Business Response

  Date: 02/19/2025

  ******,

  I have included our response to the consumer's concerns.

  Please contact me if you have any questions.

  ****

• Initial Complaint

  Date:02/01/2025

  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.

  On Jan 2, 2025, ******** was paid to Schwartz Vays for account property assessments paid in full for Property Id: **************. The account has not been turned back over to ************************. I feel this company is fraudulently holding monies that should have been released immediately after payment was made in full. I am reporting them because of these practices and to resolve the issue of releasing the check to *********************** to resolve my account.

  Business Response

  Date: 02/01/2025

  ******,

  I have included our response to the consumer's concerns.

  Please contact me if you have any questions.

  ****

   

• Initial Complaint

  Date:12/03/2024

  Type:Product 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.

  Out of the Blue, on December 3rd, I received this bill stating I owe $1675.33 to Schwartz Vays, a debt collection agency, on behalf of ***********************************************. I have never heard of either of these entities. The Trust that I purchased my property from had disclosed that there were no HOA fees, and that was a major influence in my decision to buy. I believe *********************************************** is using their influence to squeeze money out of me to fund future scams on new land owners.

  Business Response

  Date: 12/09/2024

  ******,

  We have included our response to the consumer's concerns.

  Please contact me if you have any questions.

  ****

  Customer Answer

  Date: 12/10/2024

   
  Complaint: 22635134
  
  I am rejecting this response because:

  1. I have no knowledge of the entity i owe money to and for what reason

   

  2. Oct 24 was a normal non interesting day

   

  3. Nobody has come to me for a reason why i am being billed. This is the second time I am asking.

   

  4. Seems predatory because i have never interacted nor seen these companies.
  
  Sincerely,
  
  ****** ********

  Business Response

  Date: 12/17/2024

  ******,

  I have included our response to the consumer's additional concerns.

  Please contact me if you have any questions.

  ****

  Customer Answer

  Date: 12/20/2024

  I am done responding to the debt collection company, but that does not mean I accept the matter. I need to contact the ****************************************** and have them provide any information on the ficticious debt against me that they were able to sell to the debt collector. 

  Customer Answer

  Date: 12/26/2024

   
  Complaint: 22635134
  
  I am rejecting this response because:

  After many days of researching about this ************************************, I come to the conclusion they don't exist. I have no paperwork from them, like a bill or an address to send money. Nobody except this debt collection company made themselves known. I implore the BBB to help me have the company abolish this made-up debt, bought from this made-up company. I noticed the debt company being very vague about the origins of this debt. They only have paperwork for the debt, but nothing before that, making me think they are in on this scheme that is trapping good people with not much money who are trying to improve their lives. Where is the original bill that started all this? If I live In the same place as this ***, how are they so easily able to sell that paperwork to somebody in *******, but unable to deliver a letter to the *** client/citizen/neighbor in their own jurisdiction? Seems like fraudulent behavior and a way to not make small moneys from someone like me, but a way to milk me for everything I have. Maybe it's a fake company created by debt collectors and maybe this is happening across the country? I ask again BBB, because I am no lawman, nor am I an oligarch. Habes Corpus
  Sincerely,
  
  ****** ********