Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Axela Technologies, Inc
State: NY

Complaint narrative:
SCHWARTZ VAYS Schwartz Vays has been predatory and abusive of its position as a debt collector in its dealings with me. This company is very, very efficient at sending email and letters in the post under the guise of wanting to work with me but it has in fact made no effort at all to resolve the debt issue. Truthfully, they have behaved in exactly the opposite manner once I contacted them on Friday XX/XX/XXXX and onwards. They have dropped the ball at every turn and are not taking any responsibility for the reality that they are 100 % the reason why we have not entered in an agreement to resolve the debt. I do not deny that I owe debt but I vehemently dispute I owe anything beyond what I owed effective Monday XX/XX/XXXX. Let me explain. Schwartz Vays was contracted by the management company of my XXXX properties to collect the outstanding HOA fees. Friday XX/XX/XXXX - I called Schwartz Vays to work on securing a payment plan. I spoke with a Customer Rep., XXXX. We spoke about the XXXX property, xxx XXXX XXXX. She gave me the following details which were relevant : the outstanding amount was {$1500.00} which included the unpaid amount as well as the future assessment of {$480.00} assessment for XX/XX/XXXX. XXXX offered me 3 monthly plan choices : a XXXX plan for {$710.00}, a XXXX plan for {$360.00} or a XXXX plan for {$240.00}. I chose the XXXX plan. I agreed to provide my bank account information and start the XXXX payment withdrawal on Monday XX/XX/XXXX and every month thereafter on the XXXX, with a 3-business-day reminder each month before the withdrawal. She explained that last collection from my bank account would be XX/XX/XXXX, at which point my debt would be fulfilled. XXXX said she would email me the contract with the aforementioned information : the amount outstanding through XX/XX/XXXX, the XXXX payment plan choice, the monthly payment amount and the length of the contract. XXXX was to give me an agreement on the same day, F XX/XX/XXXX, for the XXXX property once we got the XXXX property, XXXX, squared away. Unfortunately, the XXXX property never came into the scope because she was unable to provide me with a signable agreement for the XXXX property. This is where things went downhill. XXXX emailed me a contract for XXXX that only had the generic consent information ( see attached ). None of the information we spoke about was in it. None. XXXX sent the contract multiple times but the contract had nothing I could sign. She said she would try again on Monday XX/XX/XXXX. Monday XX/XX/XXXX- She called at XXXX XXXX EST as a follow-up to Fridays conversation. The agreement sent still did not reflect the plan details. She said she would send the document from someone else 's computer to see if the document would then reflect the details. I received no further communication from her. Tuesday XX/XX/XXXX- I emailed Schwartz Vays summarizing my interaction with XXXX, indicating that I was expecting but had neither received any follow-up communication from XXXX nor a contract that I could sign. No response. Thursday XX/XX/XXXX - I sent a follow-up email to Schwartz Vays . No response. Monday XX/XX/XXXX- I received an email response from the Lead Customer Service Rep., XXXX XXXX, who stated that the agent, XXXX, had attempted to reach me on Thursday XX/XX/XXXX. Monday XX/XX/XXXX- I disputed that XXXX or anyone from Schwartz Vays had called me on Thursday XX/XX/XXXX since I did not have a log of the call. My contention is that if Schwartz Vays had been so eager to resolve the debt with me and XXXX was supposed to get me a signable contract on Friday XX/XX/XXXX, why did she drag her feet and allegedly contact me 5 business days later through a phantom phone call for which I do not have a record? I am the one who made the effort to resolve the issue during this time period, not Schwartz Vays. Instead of XXXX XXXX telling me to call the company again, she should have ensured a proper contract was sent to me. This company does not actually do anything but pose, posture and blow hot air. They were unable to provide a simple signable agreement, the very thing that is at the heart of the 'service ' it is supposed to provide. They have taken no responsibility for this inability to provide me with a signable contract. Monday XX/XX/XXXX - Instead, I got an email from XXXX XXXX regurgitating that I owed HOA fees on my XXXX properties, with no reference to getting me a contract but the usual dismissive solution to call them. From Monday XX/XX/XXXX through today, Wednesday XX/XX/XXXX, I have not received a single phone call from Schwartz Vays, which clearly demonstrates they had no real interest in resolving the debt. Thursday XX/XX/XXXX- I called Schwartz Vays and spoke with a Customer Rep, XXXX, I believe it was. She stated that I now owed over {$2100.00}, a lien was placed on my properties and I now had to put down 25 % because I broke the agreement I had established with the company. I explained to her that I had not broken an agreement because I had never received an agreement I could sign. I disagreed that I owed @ {$2100.00} inclusive of an additional {$200.00} fee Schwartz Vays had slapped on my account, and I stated that Schwartz Vays was culpable because it had not provided me a legal document that I could sign as was its legal responsibility to do. I requested that the lien be removed from my properties and the original agreement terms be offered to me which included the XXXX plan. XXXX explained that on Friday XX/XX/XXXX and the following week when I had engaged in communication with Schwartz Vays, their system was not working properly which is why they had been unable to provide me with a signable contract. I pointed out that since the breakdown and reason I had not signed a contract was entirely Schwartz Vays ' fault, they were and are culpable for the lack of a contract. They should bear responsibility for their malfunctioning system but they have not. It is unconscionable that they have taken no responsibility for the lack of a contract. She said my points were valid and she would have her manager call me the next day. Friday XX/XX/XXXX - I received no promised phone call from Schwartz Vays, either from the manager or from the representative I had spoken with the day before. Friday XX/XX/XXXX - I placed a follow up call on this date. I was told that the manager, XXXX, had been out of the office on F XX/XX/XXXX and was also out on this day, XX/XX/XXXX, but would be in the following day, XX/XX/XXXX, and would call me. I pointed out that there had been 5 business days between XX/XX/XXXX & XX/XX/XXXX during which he had had more than enough opportunity to call. Saturday XX/XX/XXXX - I received no promised phone call from the manager, XXXX, or from anyone from within Schwartz Vays. Wednesday XX/XX/XXXX- I have not received any answers to my missing contract. Please note that the only solution Schwartz Vays has ever offered once I engaged in communication with them is for me to call. Yet the calls achieve nothing. There is never any follow-up, no returned phone calls, and no email correspondence that addresses my issue. The ONLY thing this company has done is send the usual threatening emails and letters but they do nothing else. At this point, I have had no choice but to report Schwartz Vays to the CFPB. This company is operating in a nefarious and unethical manner and is not executing its contractual obligation to the HOA company which is to collect the outstanding HOA fees from its customers. Schwartz Vays has not provided me with a signable contract but an empty contract devoid of any of the terms of agreement initially sorted out on XX/XX/XXXX. Schwartz Vays has placed a lien on my properties even though they are culpable for there being no agreement. Schwartz Vays ' customer service has been negligent in its communication with me, have not returned phone calls they said would, and have provided no measurable solution although they have it documented in their database what the problem is and have a record of our conversations. Schwartz Vays ' only tactic is to harass, intimidate and exercise psychological warfare but not solve or resolve anything. I would appreciate if CFPB could report Schwartz Vays to the other governing bodies as someone should really investigate and do a deep dive into this company. They should not be allowed to stay in business with impunity. I doubt I am the only one who finds they are skirting the rules of fair and compliance of handling debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation