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: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,

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