ZenResolve, LLC (ZRL) is a third-party collection agency based in Arizona. ZRL has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as attempting to collect debts not owed and using false or misleading information in an effort to collect a debt. If ZenResolve has contacted you about past due financial obligations, make sure you understand your rights before taking action.
The harassing company pays our fees.
They’re legit. According to the Better Business Bureau (BBB), ZenResolve, LLC was founded and incorporated in 2017. The BBB established a profile page for ZRL in 2017, about a week after ZRL’s founding date. ZRL has been a BBB-accredited business since 2018. The BBB lists ZenResolve as a collection agency.
According to its website, ZRL’s “mission is to provide fair, transparent, consumer-driven resolution of outstanding debts by employing ‘light touch’ communications via advanced technologies.” ZRL states that it was “created… to be the polar opposite of everything consumers have come to expect from a collections company.”
The ZenResolve website does not provide any detailed information about the types of businesses or industries for whom they collect debts. Instead of focusing on which types of bills they collect, ZRL focuses on the methods they use to collect bills. Their website states that they have “placed the power of the process in the hands” of consumers, so consumers can “decide how their outstanding bills will be resolved.” ZRL starts their collection efforts with “‘light touch’ communications, emails and, in some situations, texts, that consumers can read and respond to at their convenience.” In cases in which ZRL “can’t reach consumers after multiple e-mails or texts,” they will begin placing calls. Consumers can then “avoid the call by responding to the e-mail.” ZRL also offers contact via their Resolutions Department, which is staffed by “delightfully helpful and entirely human” ZRL representatives.
The ZRL collection process begins with a request to have the consumer “answer a few questions online, upload …supporting document(s),” then “get back to watching videos.” ZRL also offers “another core difference …from other collections companies” in the way they “prioritize their customers’ time, privacy, and role in their own financial destiny.” Specifically, ZRL states that they enable “the transfer of repayment power to the customer” by allowing the consumer to decide how their debt is resolved.” For example, consumers can “choose their own repayment plan,” and if they “don’t agree with the total amount or want to dispute the entire bill, they will have those options as well.”
ZenResolve cites affiliation with the International Association of Credit and Collection Professionals (ACA International). However, the ZRL website does not provide any information about their regulatory compliance policies, and there are no links or references to consumer protection resources, laws, or enforcement agencies.
As of February 2020, the BBB has closed 6 complaints against ZenResolve, with 5 complaints closed in the previous 12 months. Almost all of those complaints cited problems with billing and collections. As of May 2019, the Consumer Financial Protection Bureau (CFPB) has closed 6 complaints regarding ZRL. Justia lists at least 1 case of civil litigation involving ZenResolve.
ZenResolve, LLC
4720 E Cotton Gin Loop Ste 135
Phoenix, AZ 85040-8850
Telephone: (800) 225-1375
Website: http://www.zenresolve.com
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.
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely ZRL 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!
Absolutely. You can sue a debt collector. Here is a Sample Complaint:
Complaints against ZenResolve cite problems resulting from disputes about the validity of debts and allegations of fraud. In January 2019, a complainant stated that she was “currently registered with a debt consolidation company,” and that ZRL “is one of the companies that is on her list.” According to the complainant, her “consolidation company had sent to ZRL several times her authorization…for them to operate on her behalf,” including a request that ZRL “no longer …contact her nor remove monies from her account.” However, the complainant stated that ZRL has ignored this request and “continues to call her on her phone and at her job.” In addition, ZRL had “taken 2 payments from her account, in which her bank had to block… them and return… the funds to her account.” She also said that she and her agent at the debt consolidation company “did a 3-way call to ZRL,” and that during the call, the ZRL representative “spoke while she listened, and… stated that they had never received any information on her behalf.” When the complainant stepped in, the ZRL representative “wanted to verify who she was.” She said that “as a consumer, she has the right to consolidate her bills,” and that ZRL “will get their money, but on a different platform.” She also said that she “could file bankruptcy, and ZRL wouldn’t get anything.” She stated that ZRL’s conduct was not acceptable, that she had “already filed a complaint with the…Attorney General,” that ZRL’s conduct amounted to “harassment, and that if they don’t stop, she will look into filing a suit against them.”
In April 2019, a complainant said that he had initially received a written demand for payment from ZenResolve for an alleged debt in the amount of $2,000.00 for an unpaid installment loan. The complainant said that he “had not taken out a loan with the original creditor or any other lender for the requested amount and had no other loan debts other than his home mortgage and auto loan.” According to the complainant, he “promptly called and then sent a letter to ZRL telling them that the debt was not his and asking for copies of the purported loan documents.” Allegedly, ZRL “sent him a letter setting forth payment history…along with purported loan documents, including a name, address, email address, and telephone number.” However, the telephone number and email address were incorrect, and the loan documents contained no information about the complainant that helped to verify the debt. He said he had called ZRL to dispute the debt, but they did not answer his questions. He also stated his belief that ZenResolve may be “engaged in a fraudulent collection scheme in which they fabricate loan documents based upon information readily obtained via public records and try to pressure people into making payments.”
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).
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal 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 finally 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.”
“When I first emailed the office, I was not exactly sure what they could do for me. I had an idea, but they responded back with everything I could expect to take place. I never believed I would be receiving a check, it was definitely a silver lining. I highly recommend them to anyone seeking customer legal services.”
“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
We ought to be able to assist. Give us a call and tell us what is happening.
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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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Letter after Letter. Phone call after phone call.
Threats of being sued or wages garnished.
Does zen resolve report to the credit bureaus?