Zealandia Capital, Inc. (ZCI) is a third-party collection agency based in North Carolina. ZCI has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), such as using false or misleading information to collect a debt and attempting to collect debts not owed. If ZCI has contacted you about past due financial obligations,make sure you understand your rights before you respond.
The harassing company pays our fees.
They’re legit. According to the Better Business Bureau (BBB), Zealandia Capital, Inc. was founded in 2005 and incorporated in 2009. The BBB established a profile page for ZCI in 2014. The BBB lists ZCI as a collection agency and loan servicing company that uses the alternate business name, Zealandia Holding Company, Inc. (ZHC). Buzzfile estimates ZCI’s annual revenue at $3.1 million and the size of its headquarters staff at 30 employees. Buzzfile also hosts a listing for ZHC, which estimates their annual revenue at $15.2 million and the size of their headquarters staff at 4 employees. Buzzfile also indicates that ZCI is affiliated with Seti Marketing, Inc.; and that ZHC is affiliated with Festiva Resorts.
According to its website, Zealandia Capital is “a quality leader in the debt collection and loan servicing industry…that builds… trust through accurate, reliable, customer-centric solutions that exceed the expectations of… clients and their customers by listening, connecting, and collecting.”
The ZCI website does not provide any information about the types of industries or businesses for whom they collect debts, stating only that “no two clients are the same, which is why ZCI’s customized collection solutions produce results.” ZCI’s third-party collection services include a focus on “building trust and sustaining relationships with our clients.” In addition, “timely debt collection and servicing depend on comprehensive billing and accurate payment processing,so ZCI … provides trusted solutions such as call recording to ensure… consumers are treated with the utmost respect and dignity, with auto-populated notices, payment processing, online account information, online bill payment options, and online chat …for consumers who prefer not to have to talk to someone.” ZCI also offers multiple payment processing options, excellent customer service, and customized client reports.
Zealandia Capital has obtained Professional Practices Management System (PPMS) certification through ACA International. This “certification represents an ongoing commitment to industry laws, with an eye toward the strict regulatory environment imposed on the collection industry by federal agencies such as the Consumer Financial Protection Bureau (CFPB), which can impose hefty fines based on consumer generated complaints.” However, the ZCI website does not provide a page for consumers with links and references to consumer protection resources, laws, and enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
As of June 2019, the BBB has closed 10 complaints against Zealandia Capital, Inc in the past 3 years, with 3 complaints closed in the previous 12 months. Complaints are fairly evenly split between those alleging problems with billing and collections and those alleging problems with advertising and sales. As of September 2016,the Consumer Financial Protection Bureau (CFPB) has closed 3 complaints involving ZCI and/or ZHC. Justia lists at least 3 cases of civil litigation involving ZHC.
Zealandia Capital, Inc.
39 Patton Ave.
Asheville, NC 28801-3314
Telephone:(828) 348-2512
Website: http://zcapservices.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely ZCI would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here is a Sample Case Complaint:
Complaints against Zealandia Capital indicate problems resulting from billing disputes related to Festiva Developmental Group, Inc. and allegations of harassment. In April 2018, a complainant stated that ZCI had “cancelled her time share membership without prior notification and without issuing a refund for a vacation package she had paid for in 2017.” According to the complainant, she had “purchased a time share and paid over $9,000 but got behind in the payments due to the cost of a funeral for her son.” She said she had made a payment the month prior to filing the complaint, which ZCI had accepted. However, she subsequently “received notification that the membership was cancelled, effective immediately.” Allegedly, ZCI then “sent a letter for her to make another payment even though the membership was cancelled.” She said she had also received a phone call requesting “more payments even when they knew they had cancelled the membership contract.” She said she “had paid $324 for a vacation package in November 2017 to be taken in June 2018.” She also said she was “not allowed to take the vacation in her name due to the cancellation of the membership but was told she could transfer it to her brother, …who was to be on the vacation with” her. When she called to make the transfer, the ZCI representative “said a new rule was made in March 2018 that” disallowed transfers to relatives. In addition, “since she had reserved the package in November 2017, there would be no refund for the vacation package… because cancellation for a full refund was to be made before 30 days after booking.”
The complainant said that Zealandia Capital representatives were “neither cooperative nor understanding of the emergency situation in which her family found” themselves. “The representative she spoke with was extremely rude… to the point of hostility.” The complainant expressed willingness “to make the payments… but ZCI had already placed the membership in default… and…would only accept the full balance of $14,000.”In response, ZCI acknowledged that the loan “was cancelled at the request of Festiva due to nonpayment of the installment loan associated with her membership.” ZCI “apologized for any behavior by their representative, …reviewed the call, and promised to …make sure the representative is coached on customer service techniques.” ZCI also expressed willingness to work with the complainant to “reopen their loan and their account… and to have a representative reach out regarding the loan and …their upcoming vacation.”
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
You may have a case, if…
“With your help the nagging collection calls have ceased! I was thrilled I was also able to get damages from the collection agency. I am unable to adequately express my joy. I am so thankful I made the call.”
“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.
“After speaking to one of the partners, and going over the plan of action, I felt I’d chose the perfect company to go to work for me. He was very accommodating in describing what was going to happen. I would strongly recommend Lemberg Law to anybody being hassled by debt collectors”
“Prior to contacting you, we had tried repeatedly to handle this matter without threatening litigation. In the end, not only were they unapologetic, but they were dismissive – even of an attorney friend who called on our behalf. Sincerest thanks for resolving this matter for us!”
We can absolutely help. Call us today.
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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