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:03/08/2023

  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.

  I am requesting information as to why this company is contacting me. I am not delinquent on any payments and I have double checked just to be sure. When I returned their phone call, they demanded to know my last name. When I gave them my last name, they representative then stated that they had contacted me in error and that they would take me off the list. I asked what list was I on, and the representative refused to answer. When I asked again, the representative hung up on me. I receive dozens of scam calls per day. If this is a legitimate company, I would like a full and detailed explanation as to why I was contacted, and what list my phone number is on. This feels very much like a phishing scam to me.

  Business Response

  Date: 03/17/2023

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********, ** *****
  
  BBB Complaint No.: 19557159
  
  Dear Sir or Madam:
  
  *************** on behalf of Zwicker & Associates,P.C. to the above-referenced complaint submitted to the BBB by ***************************. **************** is neither a customer nor client of this law firm, however,we have reviewed his allegations and have taken steps to address his concerns as set forth below.
  
  **************** complains that he received a telephone call from our firm and is requesting information as to why the call was placed to him. After investigating ****************** concerns we were able to identify a single instance in which this firm has dialed the telephone number supplied by **************** with the complaint. This law firm is not attempting to collect any payment from **************** and our personnel has not interacted with him in a discourteous or unprofessional manner and has at no time indicated to *************** that his telephone number was associated with any list as suggested in his complaint. As we noted when **************** called us back, he was not the person we were attempting to reach. Accordingly, we have (1) not placed any further calls to him, and (2) taken additional action to ensure that he does not receive any further calls by blocking the telephone number he provides with this complaint from being dialed by our personnel.
  
  I hope that this response adequately addresses any concerns that the Bureau may have regarding the matter.
  
  Very truly yours,
  /s/ Pearl Louis                                                 
  Pearl ****** Esq. ***************** **************************************, Esq. **************************************** Senior Vice President of Legal Compliance

• Initial Complaint

  Date:03/06/2023

  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.

  12/31/2022 I had debits with an AMEX loan and AMEX credit card. I was referred to Zwicker Debt collector. We agreed on a settlement price. I was told to have the sum in the bank by 12/31/22, which I did. I called ****************************** in mid January, 2023 because the money was still in my checking account. I wanted this resolved so I could get my credit rating upgraded. I have received another court summons because of the debt. I called AMEX (an automated line) and it referred me to Zwicker their debt collector. I called Zwicker and was told I couldn't speak to anyone because my case was under review. It has been over 2 months, of the agreement and I am still getting summons to appear in court and I can't speak to anyone to resolve my situation. I want this resolved Immediately so I can get my credit back.

  Business Response

  Date: 03/15/2023

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********, ** *****
  
  BBB Complaint No.: 19532845
  
  Dear Sir or Madam:
  
  This letter serves as a response from Zwicker & Associates, P.C. to the 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 ending in ***** and a personal loan ending in ***** issued to ****************.
  
  In her submission to the BBB, **************** complains that although she has negotiated a repayment agreement with respect to the above referenced obligations with this firm, the accounts have not been settled and she has not been successful in contacting this firm to reach a resolution.  Our records reflect that this firm did in fact reach an agreement with **************** to resolve the balances on her accounts in full,if paid as agreed. As mentioned in her narrative, our records show that in December 2022, **************** authorized a payment to resolve the accounts, and provided this firm with her account information to authorize the payment transaction. Our personnel processed the payment based on the information provided and confirmed by ****************. After processing this payment, our firm closed our files and returned them to our client, however, we were soon after informed by our bank that the payment was returned by Ms. ******* bank. As such, her accounts are not settled and we initiated the process of informing our client of that fact and re-opening our files.
  
  Prior to making arrangements with **************** to resolve her accounts, this firm had filed and served upon **************** notice of two separate lawsuits filed on behalf of our client to recover the outstanding balances owed. As part of the repayment agreement *************** personally executed, before a notary, a stipulation of settlement containing the full repayment terms with regard to each agreement.  Although **************** alleges that she has continued to receive court notices with regard to the debt, our records reflect that we have not taken any other action with respect to the litigation filed following the filing of the stipulations with the court.
  
  
  Our attorneys have now reviewed Ms. ******* account information and re-opened our internal files with respect to her obligations. We encourage her to contact us to resubmit her payments at her earliest opportunity.
  
  We hope this helps to resolve any remaining questions that **************** or the Bureau may have concerning this matter.
  
  Very truly yours,
  /s/*********************
  *********************, Esq. ***************** **************************************, Esq. **************************************** Senior Vice President of Legal Compliance

• Initial Complaint

  Date:02/22/2023

  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 had fallen on hard times and made some poor decisions regarding my finances several years ago. I fell behind on my payments to AMEX and then it went to collections. After some time ******************************************* filed a judgment against me. Due to mental health challenges I was having at the time I made the poor decision to ignore all this. I am fully aware that was not how to handle it. However they decided without any notice to garnish the money owed from my bank account. I had called 2 different times with no response to just get some answers on how this all worked. Most recently as last week I called and left a message for the attorney on the paperwork I had simply stating k had some questions. No calls back. They are very quick to take your money but not return calls. I have several questions and no one will answer me. Do better. And be more compassionate.

  Business Response

  Date: 03/02/2023

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********, ** 01752 
  
  BBB Complaint No.: 19446356
  
  Dear Sir or Madam:
  
  *************** on behalf of Zwicker & Associates, P.C. to the 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 judgment debt arising from a credit card account issued to ************************ ending in 3001.
  
  In her complaint, ************************ states that this law firm has garnished money from her bank account and that she has had difficulty reaching someone at this firm to discuss her account. As an initial matter, this firm did not receive any funds as a result of the garnishment of Ms. *********** account. In fact, our records indicate that before ************************ submitted this complaint, this firm had already filed papers with the court to dissolve the garnishment against her bank account. The garnishment was initiated because, as ************************ alludes to in her complaint, she had not made arrangements to pay the judgment balance or contacted us for a significant period of time. The garnishment was conducted in conformance with applicable law and local rules and was not improper.
  
  We understand that ************************ would like to discuss her account with us. We would welcome the opportunity to discuss repayment of the obligation with her. Although our file does reflect that she spoke with someone from our office on January 13, 2023, ************************ may contact ************************************, who is the managing attorney of our ************ office and is familiar with this matter, if she wishes to discuss her obligation. Attorney ********* may be reached at ***********************.
  
  I hope this response helps to resolve any concerns the Bureau or ************************ may have regarding this matter. 
  
  Very Truly Yours,
  /s/ *****************************
  *****************************, Esq. 
  
  cc: **************************************, Esq. 
             Senior Vice President of Legal Compliance 
  

  Customer Answer

  Date: 03/02/2023

  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 

  I left a message for ********************** a few weeks back with no return call.  Also the money as in fact taken from my account but was then refunded several weeks later.  Also - my understanding was you could not garnish a joint bank account in the ***********.  My questions are why was I garnished and then have it refunded?  And why was it dissolved? And what does that mean? 
  
  FAQ
  
  Regards,

  *******

   

   

  Business Response

  Date: 03/09/2023

  Via Electronic Submission
  Better Business Bureau
  5 *************., Suite 100
  ***********, ** *****
  
  BBB Complaint No.: 19446356
  
  Dear Sir or Madam:
  
  *************** on behalf of Zwicker & Associates, P.C. to the rebuttal complaint submitted to the BBB by ***********************************. We note that this firm has substantively responded to the original complaint. 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 judgment debt arising from a credit card account issued to ************************ ending in 3001.
  
  In her rebuttal complaint, ************************ poses several questions about the garnishment previously served on her banking institution, which we explained in our prior response had been dissolved prior to her making her initial complaint.  As a preliminary note in response to Ms. *********** questions, this law firm cannot provide her with legal advice. In response to Ms. *********** question as to why this firm dissolved the writ of execution against her account, although our records show that ************************ did not assert any claim of exemption with the court, this firm dissolved the garnishment based on information we received from her banking institution after the garnishment was served. As stated in our prior response, this firm did not receive any proceeds from the garnishment. To the extent she may have additional questions regarding her options to repay her obligation or about the status of her account, this firm previously provided ************************ with our managing attorneys contact information,however, it does not appear that ************************ has yet reached out to Attorney ********* regarding this matter.
  
  We hope this helps to resolve any remaining questions the Bureau may have concerning this matter.
  
  Very *********************************************************************************** Esq. ************************************************** Esq. **********    Senior Vice President of Legal Compliance

• Initial Complaint

  Date:02/05/2023

  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.

  Over the course of the past two years, I have made frequent attempts to ensure that my **************** debt handled by Zwicker and Associates is entered into a payment arrangement, as recent as the week of 1/23/23 and 1/30/22 phoning into the company in several occasions to avoid a bank levy and enter into a mutual payment agreement for monthly payments. Please note that I have been on payment arrangements prior with Zwicker and Associates, and have made several payments toward this debt only ceasing payments during a time of severe and serious medical hardship (requiring hospitalization), at which time I still made every effort to ensure that this account was on an arrangement affordable to me at said time.Beginning again on 1/23/23, I phoned into Zwicker and Associates at least 6 times to request that I be placed on a voluntary, mutual payment agreement during which time I offered to pay monthly $250.00 per month for 6 months followed by $500.00 per month until this debt is paid in full. While I was advised this would be acceptable and approved, I have regrettably continued to get a great deal of conflicting information and the run around, being advised that I must wait for the attorneys to approve this and to email the attorneys on my file. After doing so, I was then advised by the attorneys to call the *********** to set up arrangements leading to massive distress for me a disabled person with one side telling me call the other, with no resolution at all. I am attempting to voluntarily enter into a payment arrangement to prevent any further collection activities as I remain willing and able to do so at this time, and remain distressed at Zwicker and Associates difficulty in resolving this matter urgently. It is my hope to be contacted immediately by the appropriate party to avoid any continued distress to myself, and enter into the aforementioned payment arrangement as urgently as possible.

  Business Response

  Date: 02/14/2023

  Via Electronic Submission
  Better Business Bureau
  5 ****************************************************************************
  
  BBB Complaint No.: 18965888
  
  Dear Sir or Madam:
  
  *************** on behalf of Zwicker & Associates, P.C. to the 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 judgment debt arising from a credit card account issued to ******************** ending in *****.  
  
  In his complaint, ******************** requests that this law firm contact him for the purpose of establishing a repayment arrangement to resolve the above-referenced debt.Our records show that one day after this complaint was filed with the Bureau, ******************* contacted this firm and made voluntary arrangements to resolve the balance by agreement. Our records further reflect that on the following day,this office sent ******************** confirmation of the repayment agreement reflected in our files. As a result, our understanding is that his concerns expressed in the complaint have been resolved to his satisfaction. 
  
  Although we understand this matter has been resolved,we hope that this additional information addresses any concerns the Bureau or ******************* may have regarding the matter.
  
  Very *********************************************************************************** Esq. ************************************************** Esq. ****************************              Senior Vice President of Legal Compliance

  Customer Answer

  Date: 02/14/2023

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

• Initial Complaint

  Date:01/30/2023

  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 contacted by this company with a summons to appear in court. . Court papers had no address to the courthouse on it, just a time. They filed it in court under the actual debtor`s name verses me, when i called to ask if they represented the debtor i was first told yes, then when i ask if the debtor paid them to settle this **** for them they would not answer.. then they sent me to their attorneys who tried to say the company ask them to settle this debt for them, instead of the truth, *********** sold my account to them. When i told them that they filed court papers on me claiming to be the debtor and not a debt collector under fraudulent. Pretenses they laughed. Filing a false docket in court is a class three felony... Filing against me as the debtor and not the actual debt collecting company is a false docket...I have the constitutional right to face my accuser, i will be requesting a dismissal. I will also be filing subpoenas to the actual debtor requesting their appearance in court along with their taxes filed to the irs to prove whether or not they filed this debt as a lose and received a tax break for it.

  Business Response

  Date: 02/08/2023

  Via Electronic Submission
  Better Business Bureau
  290 *********************************************
  Suite 102
  ***********, ** 01752
  
  BBB Complaint No.: 18941689
  
  Dear Sir or Madam:
  
  *************** 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. ************** is not a customer or client of ********************** & ******************, P.C., rather, this law firm represents U.S. ************************* as its attorneys with respect to the credit card account referenced in Mr. ****** complaint ending in ****.
  
  Contrary to what ************** suggests in his complaint, Mr. ****** debt has not been sold to this law firm and we do not have any ownership interest in his debt; rather, we represent U.S. *************************, the credit issuer, for the purposes of assisting it in recovering the unpaid balance owed by **************. This law firm filed a lawsuit on behalf of our client to recover the account balance and has not, at any point, misidentified the nature of our business nor have any of the documents used in connection with the lawsuit been fraudulent as ************** asserts. To the contrary, this firm has at all times accurately identified itself as a law firm and furthermore disclosed to ************** its status in all communications and court filings in compliance with applicable law. Our records reflect that ************** was personally served with the lawsuit filed on behalf of our client and that ************** has since appeared and filed a responsive pleading in that case.
  
  Regarding Mr. ****** desired resolution, our records reflect that ************* has engaged a third party debt settlement company to negotiate resolution of the account on his behalf. Though we have not sought to communicate directly with him since we learned of his representation status, consistent with his request that this law firm cease all communications with him, we have entered an instruction on Mr. ****** account to prevent outbound communications to the extent required by law. We have also, as a courtesy to him, sent verification of the debt to his authorized representatives even though the time period to request verification under applicable law has expired. Should ************** wish to explore the potential for resolving his debt, we are prepared to discuss available options with his authorized representatives. 
  
  I hope that this response adequately addresses any concerns that ************* or the Bureau may have concerning this matter.
  
  Very *********************************************************************************** Esq. *********** **************************************, Esq. ****************************              Senior Vice President of Legal Compliance

  Customer Answer

  Date: 02/08/2023

  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:01/25/2023

  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.

  Dear, President **** Zwicker I am ******* ************************* II, the living being and beneficiary of my estate which is the all CAPS NAME on my social security card ******* ************************* II. I am here to put you on notice that you have violated my rights because you got my information from **************** without my permission/written consent. Before I move forward and seek litigation I would like to show you how you violated me and which laws were broken pursuant to the law, specifically the ****** Zwicker & Associates, P.C., (Identification number assigned by the bureau is: *********) is a law firm that is also practicing debt collection. Any company that is participating in debt collection is regulated by the ***** (Fair Debt Collection Practices Act). The ***** put laws in place to protect consumers from abusive, deceptive, and unfair debt collection practices. Congress targeted such behavior because it found that [a]busive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 15 U.S.C. ****. On one of the calls I spoke with an agent named ********************* that on July 13, 2022, **************** hired Zwicker to collect on an alleged debt. Once they received the information they sent out a DEMAND LETTER on July 19, 2022, stating they are in an attempt to collect on behalf of ***************** which is a violation of 15 USC ****b(2), a debt collector can not state that such consumer owes any debt. He then went on to say they dont have anything on file with written consent stating that I gave Zwicker consent to have ANY of my information. This is a violation of 15 usc ****a (abusive practices) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

  Business Response

  Date: 02/03/2023

  Via Electronic Submission
  Better Business Bureau
  290 *********************************************
  Suite 102
  ***********, ** 01752
  
  BBB Complaint No.: 18898269
  
  Dear Sir or Madam:
  
  Through this letter Zwicker & Associates, P.C. is responding 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 01009.  
  
  In his complaint to the Bureau, ****************** claims that this law firm improperly communicated with him and has used improper collection methods to collect his debt. Upon receiving this complaint, we thoroughly reviewed our records in connection to ****************** for the purpose of assessing the merits of his allegations. Although ****************** references multiple statutes which he asserts were violated, our records show that the manner in which this law firm has handled Mr. ******** account has been professional, courteous, and in conformance with applicable law. This firm did not impersonate an attorney, law enforcement, government official or otherwise improperly identify ourselves in our dealings with ******************. We understand that ****************** is requesting that this firm cease all communications with him. As a result, we have confirmed that the instruction to limit communications, to the extent required by law, remains on his account.  
  
  ****************** states that his desired resolution is to have our law firm delete his information and return his file to ****************. This law firm has not improperly acquired or utilized Mr. ******** information. As mentioned before, this law firm was retained by **************** to collect Mr. ******** debt. In connection with that representation, this firm received information about ****************** and his **************** account necessary to provide our services to our client as permitted by applicable law. 
  
  We hope this helps to resolve any questions that ****************** or the Bureau may have concerning this matter. 
  
  
  Very Truly Yours,
  
  
  ZWICKER & ASSOCIATES, P.C.
  
  
  

  Customer Answer

  Date: 02/08/2023

  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.

   

  "On the overview of the Better Business Bureaus website it states in Zwicker & Associates, P.C Zwicker & Associates, P.C. is a law firm specializing in debt collections and litigation services for creditors. In the second line of there response it says Zwicker & Associates, P.C. is a law firm that represents its clients for the purpose of debt collection. All debt collectors are regulated by the ****** According to the ****** 15 USC ****e(3)The false representation or implication that any individual is an attorney or that any communication is from an attorney. They have admitted to being a law firm and proceeds to say In connection with that representation, this firm received information about ****************** and his **************** account necessary to provide our services to our client as permitted by applicable law. So without written consent from me you got my information. That's an infringement on my privacy. (a)Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. Also,  it's a violation that they are contacting me. (a)Communication with the consumer generally

  Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt(1)at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer 

  There is never a convenient time for a debt collector to contact me. 

  15 USC ****d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:(1)The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.(2)The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

  I am being harassed and abused. You have no right to continue to contact me. I've never done business with you for you to say you won't delete my information from your system is proving my case. You have nowhere in your file that states you have written consent from giving you permission to have my information. I spoke with one of your agents and they told me if i dont pay it could potentially turn into a legal issue. That is a threat. Your using your position LAW FIRM to try and force me to pay you an alleged debt that I never owed from jump. 

  15 USC ****e(5)The threat to take any action that cannot legally be taken or that is not intended to be taken.

  15 USC ****e(2)The false representation of (A)the character, amount, or legal status of any debt;

  This is an alleged debt. Stating I owe a debt is a violation. On the document that you sent over it was issued to my living name and the amount paid is in positive standing. So isn't that a false representation by saying i have to pay something back that is in a positive standing?

  15 USC****e(10)The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

  15 USC ****f - A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:(1)The collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

  I never had an agreement with you so why are you trying to collect from me? You can't do that. 

  15 U.S. Code ****j - Furnishing certain deceptive forms

  (a)It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

  If I don't pay them money for an alleged debt they are going to report the information negatively to all the consumer reporting agencies so they can create a false belief in me so other companies won't deal with me which is going to hinder me. 

  (b)Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section ****k of this title for failure to comply with a provision of this subchapter

  15 USC ****k - (a)Amount of damages

  Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of(1)any actual damage sustained by such person as a result of such failure; (2)(A)in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $1,000"
  
  FAQ
  
  Regards,

  *******

   

   

  Business Response

  Date: 02/13/2023

  Via Electronic Submission
  Better Business Bureau
  5 ****************************************************************************
  
  BBB Complaint No.: 18898269
  
  Dear Sir or Madam:
  
  This letter serves as a response from Zwicker & Associates, P.C. to the rebuttal complaint submitted to the BBB by ******* *************************. We note that this firm has substantively responded to the original complaint. 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 *****.  
  
  We have reviewed Mr.******** rebuttal communication and although we believe that our initial substantive response completely addressed the issues presented, we will respond to Mr. ******** re-iterated concerns here.
  
  As stated above, this law firm represents our client, ***************** for the purpose of recovering the debt ****************** owes to our client. ****************** is incorrect in his suggestion that he must consent to his creditor retaining a law firm to collect the debt he owes. ****************** has expressed that he does not want to receive communications from this law firm, which as we explained in our prior response letter, we have respected by associating an instruction with his account to prohibit outbound calls and letters to the extent required by law. Upon receiving Mr. ******** rebuttal, we confirmed that this instruction remains in place and we have not attempted any outbound communications to him since that instruction was placed on his account.
  
  As we indicated in our prior response, we have handled Mr. ******** account in conformance with applicable law.  This firm has not threatened ***************** with a lawsuit, and although ****************** speculates that this firm intends to furnish information about his debt to consumer reporting agencies,this firm does not furnish information to consumer reporting agencies and we have not done so with respect to Mr. ******** obligation nor have we stated that we would.
  
  We hope this helps to resolve any remaining questions that ****************** or the Bureau may have concerning this matter.

  
  Very Truly Yours,
  
  ZWICKER & ASSOCIATES,P.C.

  Customer Answer

  Date: 02/15/2023

  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.

  
  

  This letter serves as a response from ******* ************************* II, the beneficiary of my estate ******* ************************* II, to the rebuttal complaint submitted to the BBB by Zwicker & Associates, P.C. ************ is exercising false & misleading and deceptive practices. 

  
  

  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.,

  
  

  You just admitted that I am not a customer or a client of ********************** & ******************, P.C. Therefore this is identity theft because you have my information and I Never gave Zwicker written consent stating that you could have any of my information.

  
  

  15 U.S. Code ****c - Communication in connection with debt collection

  (a)Communication with the consumer generally

  Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

  
  

  18 U.S. Code **** - Fraud and related activity in connection with identification documents, authentication features, and information

  (A)(7)knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law;

  
  

  (b)The punishment for an offense under subsection (a) of this section is

  (1)except as provided in paragraphs (3) and (4), a fine under this title or imprisonment for not more than 15 years, or both, if the offense is (A)the production or transfer of an identification document, authentication feature, or false identification document that is or appears to be

  (i)an identification document or authentication feature issued by or under the authority of the ****** States; or 

  (ii)a birth certificate, or a drivers license or personal identification card;

  
  

  This law firm represents ****************************** as its attorneys with respect to a credit card account issued to ****************** ending in 01009.

  
  

  How can an Attorney speak for a dead corporation? Who is the dead corporation Zwicker & Association, P.C. 

  American Express is a ************* that is a third party financial institution in the federal reserve system. 

  credit card - (l) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

  
  

  Social Security Card. Means the official document issued by the ****************************** (SSA) indicating the social security number assigned to a person.

  
  

  They used my credit card (social security card) when I applied for the credit card. Once they approved me we entered into an agreement. They gave me an APR of 29. 24% but they didn't disclose the finance charge. 

  
  

  15 U.S. Code **** - Determination of finance charge

  
  

  The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. 

  
  

  Therefore the alleged debt was already paid for. 

  18 U.S. Code **** - Fraud and related activity in connection with identification documents, authentication features, and information

  (7)knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law

  
  

  18 U.S. Code ****A - Aggravated identity theft

  (a)Offenses.(1)In general. Whoever, during and in relation to any felony violation enumerated in subsection (c), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.(2)Terrorism offense. Whoever, during and in relation to any felony violation enumerated in section 2332b(g)(5)(B), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years.

  
  

  I am demanding that you CEASE & DESIST. Only contact me through mail with the deletion letter stating that you deleted my information out of your system. I don't authorize you to have any of my information. Give it back to the original company I entered the agreement with. You have 5 days to comply with my demands or I will escalate this matter and file a civil suit.

   
  
  FAQ
  
  Regards,

  *******

   

   

• Initial Complaint

  Date:11/28/2022

  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.

  I have been working with a debt relief company to resolve a credit card debt. Zwicker is the collection agent for Discover. My debt relief company worked out a monthly payment arrangement to settle this debt in full. Six payments of $211.00 have been paid to Zwicker on behalf of Discover. Even after a payment arrangement has been accepted for the the full amount of the Discover Debt, Zwicker has sent me a court notice to appear as they are initiating a default judgement against me. With no help from from Freedom Debt Relief (that's another story) and FDR's law associates (who they guarantee will help their client's in these situations), I have attempted to contact Zwicker. They will not talk to me or attempt to look into this mistake. On top of everything else, the amount they are seeking is different (less) than I owe and I also received a court doc for another client they are taking to court. The amounts are EXACTLY the same. They have violated privacy rights, sending me information on another person's debt. Who knows who has received information on me. All I wanted was for them to look into this and stop these court proceedings. Now I have to take a day off from work to go to court for nothing. I am going to ask the judge or court magistrate, to cancel this debt/case, in return for the trouble this is causing me. The court case is this Thursday. 12/2/22.

  Business Response

  Date: 12/08/2022

  Via Electronic Submission
  Better Business Bureau
  290 *********************************************, Suite 102
  ***********, ** 01752-4705
  
  RE: Complaint No.: 18472603
  
  Dear Sir or Madam:
  
  *************** on behalf of Zwicker & Associates,P.C. to the above-referenced complaint submitted to the BBB by Ms. ************************************** is not a customer or client of ********************** & ******************, P.C., which is a law firm that represents its clients for the purpose of debt collection. Rather,this law firm represents ************* with respect to a debt arising from a credit card account issued to **************** ending in 6256.
  
  In her submission, **************** complains she has not been successful in contacting this firm to discuss a payment agreement previously negotiated on her behalf. Our records show that ****************** third party debt management company did negotiate a payment arrangement with this firm in June of this year which called for thirty-six monthly installments to repay our client in full. Prior to that arrangement being made, this firm had filed a lawsuit to recover the outstanding balance on her account.That lawsuit was filed because for nearly a year following our initial notification of this firms involvement, which was sent to **************** in May of 2021, neither **************** nor the debt settlement firm she engaged to negotiate the account on her behalf had established an agreement to repay the debt. Based on the representative information on file,the terms of the payment arrangement negotiated on ****************** behalf which does not call for the dismissal of the pending legal action against her were set forth in a letter to her debt settlement firm dated June 15, 2022. Because the lawsuit had not been resolved, and this firm had not received back the signed agreement memorializing the repayment terms as agreed, this firm took steps necessary to resolve the litigation following ****************** failure to appear at a court scheduled hearing of which she was properly notified. 
  
  Our records reflect that we have received six of the thirty-six payments pursuant to the arrangement reached with ****************** representatives which have been properly credited to her account. **************** has indicated to this firm that she does not wish to have a judgment entered against her. Though not part of the agreement that was reached in this matter, as a courtesy to her, this firm will forward a stipulation to dismiss the case to her authorized representatives as our file still reflects that **************** is represented by a debt negotiation firm with respect to this matter. **************** is welcome to contact this firm or write to us to update her representation status if she has terminated that engagement and our representatives would be happy to discuss her account with her.
  
  I hope that this letter resolves any outstanding concerns **************** or the Bureau may have with respect to her complaint.
  
  Very truly yours,
   /s/ *********************
  *********************, Esq. ************************************************** Esq. ****************************              Senior Vice President of Legal Compliance ll us why here...

  Customer Answer

  Date: 12/08/2022

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

  *********************
  8 ************
  **********, **  01907
  *************
  ******************
  
  Pearl ****** Esq.
  Zwicker & Associates
  
  RE: BBB Complaint
  
  Dear **************,
  
  Thank you for responding to my BBB complaint.  Please realize that I felt desperate and frustrated being caught in between Zwicker and Freedom Debt Relief.
  
  FDR basically is done communicating with the creditor once a settlement was in place. They basically told me not communicate with you and that they would be handling everything.  I took that to mean they would be signing off on everything and handling all legal matters through their legal department. This turned out not to be true. 
  
  I spoke with them and asked them to contact you regarding the judgement and court appearances.  They did not communicate with Zwicker.  I called Zwicker, but Zwicker would not talk to me. I tried several times.  Zwicker would not speak with me because I was being so called represented.  However, it was fine with Zwicker that I represented myself in court the other day when you sent a cover attorney to enforce the judgement. 
  
  The judge felt the judgement was unfair, as I was making payments on a steady basis.
  
  I didnt completely understand your response to the BBB.  Are you stopping the judgement process?  Is the court process over?  There is a court date in March.  
  
  Also, I am continuing with Freedom Debt Collection.  They will be making my monthly payments of $211.00.  I feel that they dont properly communicate with you if there are any questions.  I would like access to Zwicker if I have a simple question or verify anything.. especially if there is a legal process matter.  I dont expect that there will be any further issues.
  
  Please confirm if the judgement will be cancelled.
  
  Thanks again for answering my complaint.
  
  *********************
  
  
  

• Initial Complaint

  Date:11/06/2022

  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.

  Around six months ago, I noticed a stranger in a dark gray vehicle entering/trespassing on my property on a regular basis. During this current pivotal moment of unseen/unheard of violence across America, it would be unsafe to open the door to an unknown person. Let it be known that I didn't have any knowledge of this individual that was violating my personal safety by trespassing on my property on a daily basis. It became so aggressively violent that this unknown white male began to trespass on my property all times of the day and late in the evenings it made me feel threatened, harassed, bullied, and unsafe in my own home. Therefore, security measures had to be provided for my family's safety. Again, I must stress that I do not know these people. On October 28, 2022 around 7:15 pm, this militant angry man came to my home and forcefully tried to make me open my door. He starting banging on my door and refused to leave by trying to intimidate me with his violent behavior. I couldn't believe that this angry crazy man peeped through my dining room window demanding me to open my door to sign some papers that I don't know anything about. I yelled, out of fear for my life, that he get away from my home. However, the harassment, stalking, trespassing, and intimidation got even worst (October 28-November 5, 2022) with this same violent/militant old white man. He continued to trespass on my property by parking in the driveway or blocking the entrance/exit of driveway). He not only continued to stalk me, other individuals from this company in various vehicles (white SUV, gray ***** car, and a black SUV) began doing the same from morning to evening. My ring security alerted me of these vehicles on/near my property enormous times throughout the day and evening. This is a very violent company who has caused me and my family pain and suffering with violent threats and behaviors for the past 6 or more months. No one should have to experience this type of violence.

  Business Response

  Date: 11/16/2022

  Tell us why here...Via Electronic Submission
  Better Business Bureau
  290 *********************************************, Suite 102
  ***********, ** 01752-4705
  
  RE: Complaint No.: 18364785
  
  Dear Sir or Madam:
  
  *************** on behalf of Zwicker & Associates, P.C. to the above-referenced complaint submitted to the BBB by ***********************. ********** is not a customer or client of ********************** & ******************, P.C., which is a law firm that represents its clients for the purpose of debt collection. Rather, this law firm represents ******* ************** with respect to a loan issued to ********** with an account number ending in 3080. 
  
  Although ********** has filed her complaint against Zwicker, her complaint does not allege that this firm engaged in any of the alleged conduct she describes, nor does it offer any evidence that this firm engaged in the alleged conduct. Nevertheless, upon receiving her complaint, this firm conducted an investigation of the records available to us to determine the facts, which we relate here in relevant part. As an initial matter, no personnel from this firm are ever instructed or authorized to personally visit a consumers home and that did not occur in this case. This firm engaged an independent process server to serve **********, as authorized by applicable law, in connection with a lawsuit it has filed on behalf of its client concerning the above-referenced personal loan debt. We have determined through our investigation that the facts conflict with Ms. **** allegations significantly, for example, the process server does not drive the makes and types of vehicles referenced by **********, nor did he approach her property on a daily basis or for extended periods of time. Specifically with respect to the attempt to serve ********** on October 28, 2022, we understand that the process server knocked on Ms. **** door at which time she instructed him to leave from her window, which he promptly did and did not return to her property. According to the information available to us the individual who attempted to serve process in this matter simply did not engage in the improper conduct described by ********** or otherwise engage in any abusive, violent or threatening behavior towards her. According to the affidavits made by the process server and filed with the court, the service attempts undertaken by the process server in connection with this matter were done so in compliance with applicable law. 
  
  I hope that this response adequately addresses any concerns the Bureau or ********** may have regarding the matter.
  Very truly yours, 
   /s/ Pearl Louis
  *********************, Esq. 
  
  cc: **************************************, Esq. 
             Senior Vice President of Legal Compliance 
  
  

• Initial Complaint

  Date:10/12/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Zwicker and Associates contacted my employer, neighbors and family members regarding a debt collection. They specifically mentioned the company name SoFi Lending and the amount of the debt to these individuals. They harassed me over the telephone as well as my mom who was 96 years old. Shortly after they contacted my employer I was terminated. Zwicker and Associates was sent many Certified Mail request to provide Validation of the debt however validation was never provided until they served me with a Civil Summons. I requested options to take care of the debt in full with an alternative payment plan however these options were ignored. During the Zoom online hearing the Zwicker and Associates attorney was fist pumping when the Judge rendered her decision which I believe to be very unprofessional.As of this writing the debt has been paid in full however the company SoFi Lending is still sending marketing collateral to me with loan offers and requesting that I take out another loan with them. This is after they sued me through Zwicker and Associates, more proof of SoFis predatory lending practices and Zwickers disregard for the ****** I would suggest that Zwicker and Associate be downgraded to an F with the BBB as nothing about this organization could be considered A+.As background to this I had lost my job of 43+ years several months prior to Zwicker and Associates contacting me, additionally I was 65 years old I also had lost both my Mom and Dad a year apart, my Mom to COVI-19 and was dealing with this. Zwicker and Associates had absolutely no empathy for my situation.

  Business Response

  Date: 10/20/2022

  Via Electronic Submission
  Better Business Bureau
  290 *********************************************, Suite 102
  ***********, ** 01752-4705
  
  RE: Complaint No.: 18204803
  
  Dear Sir or Madam:
  
  I am responding on behalf of Zwicker & Associates,P.C. to the above-referenced complaint submitted to the BBB by *************************************** ****************** is not a customer or client of ********************** &******************, P.C., which is a law firm that represents its clients for the purpose of debt collection. Rather, this law firm represents SoFi Lending Corp.as its attorneys with respect to a judgment debt arising from a personal loan account ending in 1271.
  
  With respect to the complaint allegations as they relate to the conduct of our office, this firm has not engaged in any improper communications as ****************** asserts in his complaint. Specifically, this firm has not sought to communicate with Mr. ******** family, friends or employer, and our records contain no indication that such communications have ever taken place. Although we did attempt to contact ****************** by telephone, our attempts to do so were within the limits set by applicable law and our records contain no request from ***************** to limit our attempts to communicate with him.
  
  Contrary to Mr. ******** assertion in the complaint, our records do not show that the debt has been paid. With respect to Mr. ******** assertion of unprofessional behavior during a court hearing, we note that there is no evidence to support any such claim that an employee of this firm conducted themselves in that manner.  The judgment against ****************** remains in place and unsatisfied, and although our records do not show that we received a timely request for verification of the debt, we will as a courtesy, mail ****************** verification of the debt, including a copy of the judgment and account records.
  
  As a final matter, with respect to Mr. ******** desired resolution expressed in the complaint,  this law firm does not furnish information to consumer reporting agencies and has not reported any information concerning the above-referenced loan account. We also respectfully disagree that ****************** is entitled to any refund as he requests in his complaint, given that our records show he has not paid the judgment.
  
  I hope that this letter resolves any outstanding concerns ****************** or the Bureau may have with respect to the complaint.
  
  Very truly yours,
  /s/ *********************
  *********************, Esq.
  
  cc: **************************************, Esq. ********************************** Senior Vice President of Legal Compliance

  Customer Answer

  Date: 10/20/2022

  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. 

   

  BBB,et al,
  I've attached a copy of the receipt from the Clerk of Court of Mecklenburg County ************** and a copy of the Judgement as evidence that the Civil Judgement has been satisfied. Hence Zwicker and Associates has provided the BBB and me with inaccurate and deceptive information regarding my complaint. I maintain my assertion that Zwicker and Associates, ************************ and ************ acted in unlawful activity with regard to the collection of this debt.  I have individuals that will testify to my assertion that they were contacted by Zwicker in an attempt to collect on this debt in a manner that violates the Fair Debt Collection Practices Act.
  
  I think my evidence speaks for itself on this matter.
  
  *************************

   

   

  [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.]i
  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,

  Josephus

   

   

  Business Response

  Date: 10/24/2022

  Tell us why here...

  Via Electronic Submission
  Better Business Bureau
  290 *********************************************, Suite 102
  ***********, ** 01752-4705
  
  RE: Complaint No.: 18204803
  
  Dear Sir or Madam:
  
  I am responding on behalf of Zwicker & Associates, P.C. to the rebuttal complaint submitted to the BBB by *************************************** ****************** is not a customer or client of ********************** & ******************, P.C., which is a law firm that represents its clients for the purpose of debt collection. Rather, this law firm represents ****************** as its attorneys with respect to the personal loan account ending in **** referenced in Mr. ******** complaint.
  
  We respectfully disagree with Mr. ******** assertion that this firm communicated any inaccurate or deceptive information to him or the Bureau regarding this complaint or that  this firm has engaged in any unlawful activity. It appears that ******************, on the same date that he filed his complaint with the Bureau, tendered a payment to the court in connection with the judgment against him. ****************** did not tender payment to this firm, or notify us that he paid the court. Rather, he made only a vague and generalized assertion in his prior complaint that the debt was paid. In response to that in our prior letter to the Bureau, we truthfully responded that our records did not indicate that ****************** had paid the debt. As of the date of this letter, the court has not yet forwarded Mr. ******** payment to this firm, although we have noted his file to suspend further activity in anticipation of receiving the payment through the court system. Once the payment has been received by this office and applied to Mr. ******** account balance, this firm will send confirmation that his account balance has been resolved and file a satisfaction notice with the court in accordance with our normal procedures.
  
  I hope that this letter resolves any outstanding concerns ****************** or the Bureau may have with respect to the complaint. 
  
  Very truly yours, 
  /s/ Pearl Louis
  *********************, Esq.
  
  cc: **************************************, Esq. 
        Senior Vice President of Legal Compliance 
  
  

  Customer Answer

  Date: 10/28/2022

  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
  BBB,

  
  

  I have reviewed the response and it is unacceptable. I will only accept a response the acknowledges Zwicker and Associates and ************************s disregard for the ***** and the removal of any and all negative reporting by ************************ to the ************************** I made numerous attempts to resolve this issue with both ************************ and Zwicker and Associates. Notwithstanding that beginning in early 2019 I had lost my job of 43 years at ****************************************************** the period of 18 months, I communicated with **************** and Zwicker and Associates my circumstances and attempted to work out a payment plan, however, I was ignored even though multiple certified letters were sent and received by both ************************ and Zwicker and Associates. 

  
  

  Additionally, during the entire debt collection process ************************ continued sending offers to Refinance your Mortgage and Save, every month from August 2021 up to and including September ************************* October 2022 offers for a SoFI Credit Card was received, even as they brought a Civil Action against me.  I have enclosed copies of the offers from January 2022 thru October 2022.  This provides evidence that ************************ is little more than a predatory lender seeking to continue to force individuals into debt with out to regard to personal circumstances. 

  
  

  Please note, if I continue to receive these offers from SoFI Lending after October 31, 2022, I will request that my attorney use all remedies available against ************************ for predatory lending practices and additionally include Zwicker and Associates in this matter, as I believe they are compliant in this scam.

  Regards,

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

   

   

• Initial Complaint

  Date:09/26/2022

  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 November of 2021 , I started receiving letters from PNC Bank regarding an alleged debt owed. On November 8th, 2021, I informed PNC Bank that I had no knowledge of this debt and asked that they provide me with a copy of the original agreement. PNC Bank has vet to send me a copy of this agreement. Since then I have received constant billing letters from PNC Bank. Upon my credit review, I discovered that this account had been placed on my credit report. On February 10th, ****, I discovered that i had been the victim of identity theft in regards to this PNC Bank account and filed a complaint with the ******************, ******* (Case # ****-00023528). On August 19th, ****, I received a letter from ******************************************** P.C as a debt collector for this debt. I informed ******************************************* that I had no knowledge of this debt and asked that they verify this debt with a copy of this agreement with my signature. On September 15th, ****, I received a copy of the billing from PNC Bank their terms and conditions **** did not receive a copy of the alleged original agreement.I informed ******************************************* that I again have no knowledge of this debt and ask that they cease to contact and harass me about this issue.

  Business Response

  Date: 10/03/2022

  Via Electronic Submission
  Better Business Bureau
  290 *********************************************, Suite 102
  ***********, ** 01752-4705
  
  RE: Complaint No.: 18131838
  
  Dear Sir or Madam:
  
  I am responding on behalf of Zwicker & Associates,P.C. to the above-referenced complaint submitted to the BBB by Mr. ********************************** ************** is not a customer or client of ********************** & ******************, P.C.,which is a law firm that represents its clients for the purpose of debt collection. Rather, this law firm represents PNC Bank, N.A. with respect to a debt arising from a credit card account issued in ************** name ending in ****.
  
  As an initial matter, it appears that a substantial portion of ************** narrative appears to relate to matters which pre-date any actions by or involvement of this firm in connection with his account. With respect to the actions of this law firm, we understand that ************** is continuing to dispute his obligation to our client. Our records show that ************** previously communicated a dispute regarding his debt, which we received on September 6, 2022. Upon receipt of that correspondence, this firm temporarily ceased collection activity, updated our records to reflect his dispute, and notified our client of his claims. This firm sent ************** verification of the debt, including account statements that reflect the address he supplied to the BBB with this complaint.
  
  As a result of this complaint, this firm has again updated our file to reflect his continuing dispute and notified our client. This firm will send, under separate cover, additional account information for ************* to review. We have also placed an instruction on ************** account to prohibit outbound communication to the extent required by applicable law.Although ************** is requesting that this firm correct his credit report, this firm has not furnished any information regarding ************** to any consumer reporting agency.
  
  If ************** has additional information relating to his dispute, he is welcome to send that information to this firm so that we and our client may review it.
  
  Very truly yours,
  /s/ *********************
  *********************, Esq. ********************************************** Esq. ****************************              Senior Vice President of Legal Compliance