Stop Swiftfunds Financial Services Harassment

Debt collectors like Swiftfunds Financial Services LLC cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.

THE BEST PART IS…

If Swiftfunds Financial Services LLC violated the law, you will get money damages and they will pay your attorney’s fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation. 

Who is Swiftfunds Financial Services LLC?

Swiftfunds Financial Services LLC is a debt collection agency located in Palos Verdes Peninsula, California. Founded in 2009 (according to the Better Business Bureau), Swiftfunds works on behalf of VASA Fitness, a gym/fitness chain headquartered in Orem, Utah.

Swiftfunds Financial Services LLC’s Address, Phone Number, and Contact Information

Swiftfunds Financial Services LLC’s P.O. Box is P.O. Box 2397, Palos Verdes Peninsula, CA 90274-8397. The main telephone number is 888-479-4384 and the website is currently unavailable.

Phone Numbers Used by Swiftfunds Financial Services LLC

Like many debt collection agencies, Swiftfunds Financial Services LLC may use many different phone numbers to contact debtors. For an advanced search, visit www.agrussconsumerlaw.com/ and click “Number Search” in the “Lookup” dropdown menu. Here are some phone numbers Swiftfunds Financial Services LLC may be calling you from:

Swiftfunds Financial Services LLC Lawsuits

If you want to know just how unhappy consumers are with Swiftfunds Financial Services LLC, take a look at the lawsuits filed against the agency on the Public Access to Court Electronic Records (“PACER”). PACER is the U.S.’s federal docket which lists federal complaints filed against a wide range of companies. A search for the agency will display seven lawsuits filed across the U.S., most of which involve violations of consumer rights and/or the Fair Debt Collection Practices Act (FDCPA).

Swiftfunds Financial Services LLC Complaints

The Fair Debt Collection Practices Act (FDCPA) is a federal law that applies to everyone in the United States. In other words, everyone is protected under the FDCPA, and this Act is a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things they must do while collecting debt. If Swiftfunds Financial Services LLC is harassing you over a debt, you have rights under the FDCPA.

The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if Swiftfunds Financial Services LLC violates the TCPA. Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.

The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If Swiftfunds Financial Services LLC took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. Swiftfunds Financial Services LLC, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 - $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did Swiftfunds Financial Services LLC continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to?  If so, we can discuss your rights and a potential case under the EFTA.

The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If Swiftfunds Financial Services LLC is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.  

Several states also have laws to provide their citizens with an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above.  North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 - $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have the leverage to obtain a great settlement.

How do we Use the Law to Help You?

We will use state and federal laws to immediately stop Swiftfunds Financial Services LLC’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if Swiftfunds Financial Services LLC violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorney’s fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.

THAT’S NOT ALL…

We have helped thousands of consumers stop phone calls. We know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorney’s fees and costs.

What if Swiftfunds Financial Services LLC is on my Credit Report?

Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt.  

THE GOOD NEWS IS…

If Swiftfunds Financial Services LLC is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.

REMEMBER…

If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorney’s fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

Complaints against Swiftfunds Financial Services LLC

Here are some of the BBB reviews and complaints against Swiftfunds Financial Services LLC on Google: 

  1. “Whoever is was that answered the phone was horrendously rude. I am being told I had a gym membership account which I never signed up for, enrolled in, paid for- whatever- I didn't initiate it and I never signed a contract at any gym. This guy all but called me a liar and said when I'm ready to fess up to it let him know. This place is a complete scam, I asked for a supervisor- his response, "No." Funny to research them and find I'm not the only person they've tried to scam.”

  2. “I'm in shock at how rude this person was on the phone when I attempted to get more information regarding the reason for the call. Instead I was told "you do what you want to do I don't care". Even as I continued to explain to Mr. **** ***** who was the manager that I'm disputing this collection he said he didn't care and I either pay it or they will send it as a bad debt to the credit bureau. This is simply ridiculous and unbelievable at this company and its staff.”

  3. “They are stating that I have a collection since 2011 but I cancelled my membership in 2015. I tried to get more information on how I was in collecting and then was told I had 3 different accounts under my name which one was a duplicate. I asked for a rundown of my charges and was not given anything. I've called multiple times being transferred and hung up on. This company is truly a nightmare especially when I'm in the process of purchasing a new home!”

What Our Clients Say About Us

Agruss Law Firm has over 825 outstanding client reviews through Yotpo, an A+ BBB rating, and over 110 five-star reviews on Google. Here’s what some of our clients have to say about us:

“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.” 

“Agruss Law Firm was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!” 

“Agruss Law Firm was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling all together!! Even settled it so I was paid back for the problems they caused!”

Can Swiftfunds Financial Services LLC Sue Me?

Although anyone can sue anyone for any reason, we have not seen Swiftfunds Financial Services LLC sue consumers, and it’s likely that the agency does not sue because they don’t always own the debt they are attempting to collect, and would also need to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s also likely that the agency collects debt throughout the country, and it would be quite difficult to have lawyers, or a law firm, licensed in every state. However, there are collection agencies that do sue consumers; for example, Midland Credit Management is one of the largest junk-debt buyers, and it also collects and sues on debt. Still, it is less likely for a debt collector to sue you than for an original creditor to hire a lawyer or collection firm to sue you. If Swiftfunds Financial Services LLC has threatened to sue you, contact Agruss Law Firm, LLC as soon as possible.

Can Swiftfunds Financial Services LLC Garnish my Wages?

No, unless they have a judgment. If Swiftfunds Financial Services LLC has not sued you, then the agency cannot get a judgment. Barring limited situations (usually involving debts owed to the government for student loans, taxes, etc.), a company must have a judgment in order to garnish someone’s wages. In short, we have not seen this agency file a lawsuit against a consumer, so the agency cannot garnish your wages, minus the exceptions listed above. If Swiftfunds Financial Services LLC has threatened to garnish your wages, contact our office right away.

Swiftfunds Financial Services LLC Settlement

If you want to settle a debt with Swiftfunds Financial Services LLC, ask yourself these questions first:

  1. Do I really owe this debt?
  2. Is this debt within the statute of limitations?
  3. Is this debt on my credit report?
  4. If I pay this debt, will Swiftfunds Financial Services LLC remove it from my credit report?
  5. If I pay this debt, will the original creditor remove it from my credit report?
  6. If I pay this debt, will I receive confirmation in writing from Swiftfunds Financial Services LLC for the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with Swiftfunds Financial Services LLC, we at Agruss Law Firm are here to help you.

Top Debt Collection Violations

Debt collection laws provide a laundry list of what collectors can and cannot do while collecting a debt. Based on our years of experience handling thousands of debt collection harassment cases, here’s what collection agencies most often do to violate the law:

  1. Called you about a debt you do not owe.
  2. Called you at work after you told them you cannot receive calls at work.
  3. Left you a message without identifying the company’s name.
  4. Left you a message without disclosing that the call is from a debt collector.
  5. Called third-parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information.
  6. Disclosed to a third-party (family, friends, coworkers, or neighbors) that you owe a debt.
  7. Contacted you after you said to stop calling.
  8. Threatened you with legal action (such as a lawsuit or wage garnishment).
  9. Called you before 8:00 AM or after 9:00 PM.
  10. Continued to call you after you have told the collector you cannot pay the debt.
  11. Communicated (phone or letter) with you after you filed for bankruptcy.
  12. Failed to mark the debt on your credit report as disputed after you disputed the debt.

Frequently Asked Questions

  1. Do I have to pay your fees and costs for helping me with my consumer rights case? No. We handle consumer rights cases based on a fee-shift provision and/or a contingency fee. That means either the other side pays your fees and costs, or we take a percentage of your recovery. Whether it’s a fee-shift case or a contingency-fee case, we don’t get paid unless you get paid, and you’ll never owe us a penny for our time. 

  2. What are the damages I can get under the Fair Debt Collection Practices Act? If a collection agency violates any section of the FDCPA, you are entitled to damages up to $1,000.00. You may also be entitled to actual damages if the violation caused you out-of-pocket expenses. For example, if a collection agency threatens you with legal action to induce you to pay the debt, you may be able to get your payment back as actual damages.

  3. What are the damages under the Telephone Consumer Protection Act? You can get $500 per robocall, or $1,500 per robocall if the robocalls were willful. In any type of settlement, Defendants often pay much less than $500 per call. However, if there are 50 calls at issue, even at $250 per call, your case could settle for $12,500.00.

  4. What type of debt is covered under the Fair Debt Collection Practices Act? Only consumer debt, such as personal, family, and household debts. For example, the money you owe on a personal credit card, an auto loan, a medical bill, or a utility bill. The FDCPA does not cover debts you incurred to run a business, or debts regarding unpaid taxes, or traffic tickets.

  5. Does the Fair Debt Collection Practices Act apply to banks or credit card companies? No. Only third-party debt collectors are bound by the FDCPA. Original creditors, such as banks and credit card companies, are not bound by the FDCPA.

  6. Are there state laws that protect me from original creditors? Yes! Several states also have laws that provide its citizens an additional layer of protection. If you live in California, Connecticut, Florida, Kansas, Massachusetts, Michigan, Missouri, Montana, North Carolina, Nevada, Oklahoma, Pennsylvania, Texas, or Wisconsin, you have additional state-law rights.

  7. Are mistakes on credit reports common? Yes! Are you one of the 40 million Americans who have a mistake on their credit report? Mistakes on your credit report can be very costly.  Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft.

  8. What do I do if I have a mistake on my credit report? If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information. If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error.  The FCRA also has a fee-shift provision, which means the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. To speed up the process, please get a free copy of your credit report at www.annualcreditreport.com. You can also learn more about the FCRA and your rights at http://www.agrussconsumerlaw.com/practices/common-credit-report-errors/.

Share your Complaints against Swiftfunds Financial Services LLC Below

We encourage you to post your complaints about Swiftfunds Financial Services LLC. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!

HERE’S THE DEAL!

If you are being harassed by Swiftfunds Financial Services LLC over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 - $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt collector pays your attorney’s fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Agruss Law Firm at 888-572-0176 to stop the harassment once and for all.

Phone Numbers Used By Stop Swiftfunds Financial Services Harassment

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Submitted Complaints

I am submitting a complaint to you with the information of two scammers, one male and one female. I am a citizen of Bangladesh. My phone number is 01718657102. Scammer is Senegalese. They lied and took 40,000 euros from me with fake paper. Date of sending money from 04/04/2017 to 12/08/2017. He kept sending me emails repeatedly asking for money on various pretexts. I had no way to pay so I couldn't pay. That's why they stopped communicating with me. After a lot of trying and searching I found about one thousand Facebook profiles of this woman and I saved them all. Their email address is 1) <[email protected]>. and 2) <[email protected]> Phone number +221 778013575, +221 707403206, +221 783074161. I will give you all the information if needed. Please do not skip my message. I didn't know about the scammers so I was financially disadvantaged. I am currently living with great difficulty with my elderly parents and children and living inhumanely because of Kevid 19. I kindly request you to take the necessary steps.I have all the documents . If you want to me i will sending to you . I hope you will return my money and faith . I am waiting for your reply.

I am submitting a complaint to you with the information of two scammers, one male and one female. I am a citizen of Bangladesh. My phone number is 01718657102. Scammer is Senegalese. They lied and took 40,000 euros from me with fake paper. Date of sending money from 04/04/2017 to 12/08/2017. He kept sending me emails repeatedly asking for money on various pretexts. I had no way to pay so I couldn't pay. That's why they stopped communicating with me. After a lot of trying and searching I found about one thousand Facebook profiles of this woman and I saved them all. Their email address is 1) <[email protected]>. and 2) <[email protected]> Phone number +221 778013575, +221 707403206, +221 783074161. I will give you all the information if needed. Please do not skip my message. I didn't know about the scammers so I was financially disadvantaged. I am currently living with great difficulty with my elderly parents and children and living inhumanely because of Kevid 19. I kindly request you to take the necessary steps.I have all the documents . If you want to me i will sending to you . I hope you will return my money and faith . I am waiting for your reply.

Hello, I am writing to you about my recent transaction with Swiftfunds Financial Services. I received a call on Friday 2/26/2021 from Troy Greene asking if I was ready to settle my debt with them over the money I owed to The Edge Fitness. I had previously made a deal with the first agency that deals with The Edge Fitness for about $180 and I wanted the same deal with Swiftfunds. After giving my card information to Troy I asked him not to go through with the payment until I talk with somebody for The Edge Fitness because they were going to charge my $497. After he agreed to not charge my card, he then proceeded to still charge my account the $497. So today 3/1/2021 I was able to get in contact with Troy again and asked for him to go over the recording from Friday because there was some misunderstanding as to me not authorizing the payment (even though I had given the card information and then asking to not go through with the payment). He repeatedly told me no. I believe this transaction was unauthorized and unlawful because I asked for it to not yet be charged and then the recording would not be reviewed.

Michael Agruss Headshot

Hi Spencer. I typically would not recommend anyone give financial information to a creditor as this type of situation happens all the time. Debt collectors take notes on these calls and I recommend that consumers do as well, so it is good that you got the name of the representative you spoke with. I would like to discuss this in more detail to determine if what they did was unlawful. I will reach out to you. Thanks, I will be in touch. Mike

Called about a $850 debt from Eos fitness that is only $140 on Eos’ end

Michael Agruss Headshot

Hi Nathaniel. What did Swiftfunds Financial Services LLC say the balance was for? Have they provided you with a written verification of the debt? You have the right for that under the law. Please give me a call to discuss your other rights and we can determine what you can do to deal with the debt. Thanks, Mike

Fraudulent debt collection Swift Funds Financial

Michael Agruss Headshot

Hi Richard. Would you like assistance in dealing with SwiftFunds Financial? I'd be interested in discussing what fraudulent behavior they partook in with you. I'll be in touch. Thanks, Mike

I cancelled my membership with SoldierFit w/a 30 day notice- as told I could by the franchise owner. I paid that 30 day due amount but was then told I owed another 2 months. I refused to pay as I paid what I legally owed- 30 days advance. Now Swiftfund is calling saying I owe $900 and the rep for Swiftfund used fowl, threatening and abusive language towards me. I have an 820 credit score, 9% revolving balance usage, 24% DTI, and impeccable payment record. I am not one to not pay what I owe but I do not owe this debt. SoldierFit is a shady franchise in my opinion. I suppose I could just let it hit my credit report, which I will dispute, but it should not affect me too much given what I stated above about my current credit. However, just as a matter of principle I want to fight this injustice.

Michael Agruss Headshot

Hi Tracy. I would be happy to help you with this injustice. Can we discuss what type of language they used when contacting you? Please call me at 312-224-4695. Thanks, Mike

Swift Financial has continued to call me and hangup saying it is part of their automated phone call system. When I called the operator disclosed information about the debt without verifying my identity first. I made the representative aware that the debt was paid off years ago and was taken off my credit report. She said I reversed the payment and it will be added to my report. I said that is not true, I have my bank statement to prove it. The debt was paid. She then proceeded to ask me if I would like to make a payment towards my $240 debt. I said no because I already paid it. Then she said she was marking it as a "refusal ". She didn't let me respond and put me on hold. I subsequently hung up. I have been called on and off for YEARS (approximately 4 years) by Swift financial and I am tired. The supposed debt was for when I canceled my membership after I gotten a new debit card and updated it personally at a VASA gym location in Provo, Utah. I was told that they had no record of me updating my account and had a past due balance of 2-3 months of membership fees. I told them that is not my fault as I updated my address with a VASA employee in Provo, Utah. I tried to complain to their headquarters in Orem and was emotionally humiliated. I was verbally insulted. It was shortly after that occasion that the debt was paid off (by my father). Now I am getting calls saying the payment was reversed. This was 4 years ago so how and why are they calling me now?

Michael Agruss Headshot

Hi Jennifer. I'm sorry that you're dealing with so much humiliation over this debt that is not even a debt! I would like to review the payoff that you have. Please send it over to my office at [email protected] I will look it over and give you a call. Thanks, Mike

I had swift fund collection agent call me he started out nice then when I told him my name he started getting nasty i advised him to cease and desist no more calls I tried to explain that i had cancelled my membership and I had emails for proof he would not listen at all he stated i will call you again tomorrow and hung up. i tried to call back ask for manager another rep i got name Robert sent me to voice mail. I once had a membership with The Edge fitness I have emails I sent them about cancel my membership no one take owenership now I have collection agency harassing me. Please help.

Michael Agruss Headshot

Hi Genie. I would be happy to help you in dealing with SwiftFunds Financial and The Edge Fitness. It sounds like they are not respecting your rights. Have you sent a cease and desist letter to them? You have that option, which I can help you with. Please give me a call at 312-224-4695 and we can discuss what other options you may have. Thanks, Mike

They have called me more than 5x a day for the last 2 days. Won’t tell me what my “debt” is or give me any other information.

Michael Agruss Headshot

Hello Anthony. Have you asked for a written document of the debt you owe? Debt collectors must provide you with that. What times are they calling you? Is it outside of the legally permissible hours? I'd like to talk more about your case and see what I can do to help. I'll give you a call. Thanks, Mike

I recieved a call from Swift saying they were sending my collection to my credit report. I cancelled my gym membership months ago and the gym went out of business so I can't not get a hold of anyone as to why they never reached out if they thought I owed them. Swift will not give me anything in writing and the amount they say I owe does not add up to the monthly amount. They keep calling and I can not currently pay the monthly amount they want.

Michael Agruss Headshot

Hi Sydney. SwiftFunds absolutely has to provide you with a written debt verification. If you'd like help getting that, reach out. Thanks, Mike

My got a call from swift saying I owed on a membership that I was paying month to month at Golds Gym in California of course I told them that was rediculous and they said know you signed a contract this was about 2 yrs ago or longer I moved and thats when I stopped going and so they were charging me since I stopped and I dont know how when it was a month to month cash payment that I made well I was going. I see it on my credit report and dont trust calling them and giving them anything and be sure it comes off my credit I have seen reviews about people complaining that they work out payment and there balances never go down and Swift having them pay tona 3rd party. I want this off my credit and should not have to pay anything but I dont know how to get it off my credit what should I do.

Michael Agruss Headshot

Hello Robert. I would be happy to discuss your case with SwiftFunds Financial and Golds Gym. I will give you a call. Thanks, Mike