Complaints

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

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  Zwicker & Associates, P.C.

  80 Minuteman Road Andover, MA 01810-1008

• 

  Zwicker & Associates, P.C.

  PO Box 9043 Andover, MA 01810-0943

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

• Initial Complaint

  Date:06/17/2025

  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.

  They are unprofessional when I called to get a receipt with the balance they say they cannot provide that. Instead they claim a letter is mailed for confirmation of payment. But they don't send anything. I have called my lawyer and they say they don't get anything from them. No payment confirmation and no balance information. They say look at my bank statements to keep up with what all I paid and balance.

  Business Response

  Date: 06/27/2025

  June 27, 2025

  Via Electronic Submission
  Better Business Bureau     
  5 Mt. Royal Ave., Suite 100
  *********************
  
  BBB Complaint No.: 23482699
  
  Dear *** or Madam:
  
  This letter serves as the response of Zwicker &Associates, P.C. to the above-referenced complaint submitted to the Better Business Bureau by Mr. ******* ********. Zwicker & Associates, P.C. is a law firm that represents its clients for the purpose of debt collection. This law firm represents ***********, N.A., successor by merger to ************* with respect to a Discover credit card in Mr. ********* name, ending in 4699.
  
  We understand that through the complaint Mr. ******** is requesting a breakdown of his account balance as well as confirmation of payments made pursuant to a settlement agreement with our firm. As an initial matter, we understand that Mr. ******** is represented by an attorney and that his counsel has authorized us to discuss the account directly with ************ Although this firm does not issue monthly bills, we will provide ************ under separate cover to his attorney, a breakdown of the current balance on the account. We will also direct correspondence we issue confirming each payment that Mr. ******** authorizes to his attorney.
  
  I hope that this letter resolves any concerns the Bureau or Mr. ******** may have with respect to this complaint.
  
  
  Very truly yours,
  
  ZWICKER & ASSOCIATES, P.C.

  
  

• Initial Complaint

  Date:06/13/2025

  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 told zwickert o cease and desist al communication, and yet over a year later they are still calling and harassing me.

  Business Response

  Date: 06/23/2025

  
  June 23, 2025
  
  
  Via Electronic Submission
  Better Business Bureau
  5 Mt. *********************
  *********************
  
  BBB Complaint No.: 2346901
  
  Dear *** or Madam:
  
  This letter serves as the response of Zwicker &Associates, P.C. to the above-referenced complaint submitted to the Better Business Bureau by **** ****** Zwicker & Associates, P.C. is a law firm that represents its clients for the purpose of debt collection. Mr. ***** is neither a customer nor client of this law firm. Rather, this law firm represents ***********, N.A., successor by merger to ************* with respect to a Discover credit card in Mr. ****** name, ending in 0769, which has been reduced to judgment.
  
  Mr. ***** complains that he has been receiving phone calls from our law firm even after requesting us to stop all communication over a year ago. Upon receiving this complaint, this firm promptly conducted a holistic review of Mr. ****** file in light of his claims. Weve found that this law firm has not previously received a request to stop communication with Mr. ****** However, to address Mr. ****** complaint, we have placed an instruction on Mr. ****** account to limit further communication as required by applicable law, as well as a restriction in our system that will prevent the phone number Mr. ***** provided in this complaint from being dialed by our personnel to ensure that he does not receive any further calls from our firm.
  
  We hope this response helps to resolve any concerns the Bureau or Mr. ***** may have regarding this matter.
  
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.
  

  Customer Answer

  Date: 06/23/2025

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

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQthey are not trustworthy, their word is not to be held up as  believable.  They have also sent me fraudulent legal papers twice, in which they mis-represent the Llano county ************** It really does not matter as I am hiring an atty. ****** to combat the corruption zwicker is well known for.
  
  Regards,

  ****

   

   

  Business Response

  Date: 06/27/2025

  June 27, 2025
  
  
  Via Electronic Submission
  Better Business Bureau
  5 Mt. *********************
  *********************
  
  BBB Complaint No.: 2346901
  
  Dear *** or Madam:
  
  This letter serves as the response of Zwicker &Associates, P.C. to the rebuttal complaint submitted to the Better Business Bureau by **** *****. Zwicker & Associates, P.C. is a law firm that represents its clients for the purpose of debt collection. Mr. ***** is neither a customer nor client of this law firm. Rather, this law firm represents ***********, N.A., successor by merger to ************* with respect to a Discover credit card in Mr. ****** name, ending in 0769, which has been reduced to judgment.
  
  Consistent with Mr. ****** prior complaint and request that we cease communication with him, we placed a restriction of outbound communications on his account. Although we respectfully disagree with his representations concerning this firms handling of the account on behalf of our client, if Mr. ***** wishes to engage with us, he or his attorney, should one be retained, is welcome to contact us to resolve this matter.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.

• Initial Complaint

  Date:05/06/2025

  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.

  My online account is disabled. When i called they stated it was due to me having 3 pre dated payments. I should be having access to the account at any given time. Not when you feel like it. I was my account put back up immediately, not in june when this employee stated it would be reinstated.

  Business Response

  Date: 05/16/2025

  Via Electronic Submission
  Better Business Bureau
  5 Mt. Royal Ave., Suite 100
  *********************
  
  BBB Complaint No.: 23296282
  
  Dear *** or Madam:
  
  This letter serves as the response of Zwicker &Associates, P.C. to the above-referenced complaint submitted to the BBB by ****** ********. Zwicker & Associates, P.C. is a law firm that represents its clients for the purpose of debt collection. Ms. ******** is 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 Ms. ******** ending in 0953.
  
  Ms. ********* complaint concerns issues utilizing our website to access her account. Upon receiving ************ submission through your agency, we conducted a review of our records and determined that as we explained to her when she contacted our office concerning her account, Ms. ********* account access is limited due to pending pre-authorized payments. Our personnel correctly explained to Ms. ******** that our website only permits a single series of pre-authorized payments to be active at a time and because the final payment in her prior series had not yet been processed, her account access had been limited, though we were able to modify her April payment in accordance with her request at that time. Our records reflect that Ms. ********* final pre-authorized payment is set to process on June 12.  Accordingly, *********** will not be able to access her account through our website until after that time, however, she is welcome to contact this firm if she wishes to cancel or modify that payment or otherwise discuss her account. Alternatively, she may submit her future payments by phone or mail payments to our office.
  
  I hope that this letter resolves any outstanding concerns the Bureau may have regarding this matter.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.

  Customer Answer

  Date: 05/16/2025

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

  Why make things harder for people? I do not wish to verbally speak to anyone. If my payments are processed online and going through, I think the best course of action is to make sure that online account is active. 
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  ******

   

   

  Business Response

  Date: 05/23/2025

  Via Electronic Submission
  Better Business Bureau
  5 Mt. Royal Ave., Suite 100
  *********************
  
  BBB Complaint No.: 23296282
  
  Dear *** or Madam:
  
  This letter serves as the response of 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 our client in connection with a ************* credit card issued to *** ******** ending in 0953. We note that this firm responded to the original complaint filed by *** ******** on May ************************************************************************ ********,we nonetheless respond to the instant rebuttal complaint to further address her concerns.
  
  In her rebuttal complaint *** ******** expresses her dissatisfaction with this firms website. Although we appreciate *** ********* feedback regarding access to online account information, her suggestion is not a functionality provided by our online system at this time.  This law firm does,however, accept payments and communications through other means as well, including by telephone and through the mail as we have indicated to her previously.
  
  I hope that this letter resolves any outstanding concerns the Bureau may have regarding this matter.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.
  

• Initial Complaint

  Date:04/24/2025

  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 am filing a complaint against *********************************** for violation of the Fair Debt Collection Practices Act (FDCPA), including improper debt collection practices. They drained my **************** savings account for a debt that does not belong to me. I have never heard of this company, nor did they attempt to contact me in anyway before taking money out of my savings account. I am not liable for a debt that is not mine.

  Business Response

  Date: 05/01/2025

  May 1, 2025
  
  Via Electronic Submission
  Better Business Bureau
  5 Mt. Royal Ave., Suite 100
  ********************
  
  BBB Complaint No.: 23245188
  
  Dear *** or Madam:
  
  This letter serves as the response of Zwicker & Associates, P.C. to the above-referenced complaint submitted to the BBB by Ms. ******* ****** and related to our firms collection of a debt owed to our client (plaintiff). Zwicker & Associates, P.C. is a law firm that represents its clients for the purpose of debt collection. Ms. ****** is neither a customer, nor client of this law firm.
  
  In Ms. ******* statement concerning our firm she provides that our firm inappropriately attached a bank account that she asserts belongs to her. We respectfully disagree with Ms. ******* statement and we have not sought to attach her property as described in her complaint nor are we attempting to collect a debt from her. This firm represents the plaintiff in a legal action and in connection with that legal action a garnishment summons was issued to the judgment defendants bank consistent with local court rules. That garnishment summons was directed at property of the defendant and served on the defendants banking institution. The garnishment summons charged the bank with identifying any of the defendants property subject to execution. Although this firm does not control the manner by which the bank identifies property subject to execution this firm did not request that any property other than that owned by the defendant be attached through the garnishment summons.
  
  I hope that this letter resolves any outstanding concerns Ms. ****** or the Bureau may have with respect to this complaint.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.

  Customer Answer

  Date: 05/03/2025

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

  Money was removed by Zwicker & Assoc. from my personal savings account at ****************. They never notified me that they were removing $1,481.50 from my account. This was for a debt that does not belong to me. It is my husband's business **** debt from 9 years ago that has nothing to do with me or my savings account.
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  *******

   

   

  Business Response

  Date: 05/09/2025

  May 9, 2025
  
  Via Electronic Submission
  Better Business Bureau
  5 Mt. Royal Ave., Suite 100
  ********************
  
  BBB Complaint No.: 23245188
  
  Dear *** or Madam:
  
  This letter serves as the reply of Zwicker & Associates, P.C. to the rebuttal complaint submitted to the BBB by Ms. ******* ****** and related to our firms collection of a debt owed to our client (plaintiff). Zwicker & Associates, P.C. is a law firm that represents its clients for the purpose of debt collection. Ms. ****** is neither a customer, nor client of this law firm.
  
  In her rebuttal, Ms. ****** continues to assert that this firm inappropriately attached a bank account in her name and is attempting to collect a debt she does not owe. As we indicated in our substantive response to Ms. ******* initial complaint, this firm has not sought to attach her property nor are we attempting to collect a debt from her. Rather, this law firm represents our client in a legal action and in connection with that matter, a garnishment summons was directed at property of the defendant and served on the defendants banking institution which charged the bank with identifying any of the defendants property subject to execution. As we previously explained to ********** this firm does not control the manner by which the bank identifies property subject to execution and this firm did not request that any property other than that owned by the defendant be attached through that process.
  
  We hope that this letter resolves any outstanding concerns the Bureau may have with respect to this  matter.
  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES, P.C.

• Initial Complaint

  Date:04/22/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  Business Response

  Date: 05/13/2025

  Via Electronic Submission
  Better Business Bureau
  5 Mt. Royal Ave., Suite 100
  ********************
  
  BBB Complaint No.: 23238325
  
  Dear *** or Madam:
  
  This letter serves as the response of Zwicker & Associates, P.C. to the above-referenced complaint submitted to the BBB by Ms. ***** ***** related to our firms collection of a debt she owes to our client, **************** in connection with a credit card account ending in *****. Zwicker &Associates, P.C. is a law firm that represents its clients for the purpose of debt collection. ********* is neither a customer nor a client of this law firm.This law firm is not Ms. ***** creditor and we have never held ourselves out as such to her.
  
  In Ms. ***** complaint she asserts, without further explanation, that she is not liable for the debt to ****************. Her assertion is at odds with the facts. In particular, judgment has entered against her as a result of a lawsuit in which, according to the return of service, Ms. ***** was personally served. Ms. ***** did not defend the case and judgment entered against her for the amount owed on the account. We also note that our records show that we have spoken to Ms. ***** over the telephone on several occasions and during those conversations Ms. ***** did not dispute her liability for the debt, nor do our records show that Ms. ***** ever tendered a request for verification of her debt to this firm.
  
  Ms. ***** also suggests in the complaint that this firm has not provided her with the contract evidencing her debt. Our records show that the applicable card agreement was attached to the lawsuit Ms. ***** was served with. Although Ms. ***** right to request validation of the debt expired unexercised long ago this firm will, as a courtesy, provide her with account documentation including the applicable card agreement.
  
  Lastly, Ms. ***** requests that this firm remove information from her consumer report. This firm is unable to do that, because we have not furnished any information about Ms. ***** debt to any consumer reporting agency.
  
  Very Truly Yours,
  ZWICKER & ASSOCIATES, P.C.
  

• Initial Complaint

  Date:04/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  Customer Answer

  Date: 04/13/2025

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

  Business Response

  Date: 04/18/2025

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

  Customer Answer

  Date: 04/22/2025

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

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

  *****

   

   

• Initial Complaint

  Date:03/14/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  Business Response

  Date: 03/24/2025

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

  Customer Answer

  Date: 03/27/2025

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

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

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

  Everkesia

  Business Response

  Date: 03/28/2025

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

  Customer Answer

  Date: 03/31/2025

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

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

  Everkesia

   

   

• Initial Complaint

  Date:03/07/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  Business Response

  Date: 03/17/2025

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

• Initial Complaint

  Date:02/07/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  Business Response

  Date: 02/17/2025

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

• Initial Complaint

  Date:01/28/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  Business Response

  Date: 02/06/2025

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