ZWICKER & ASSOCIATES CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	TX XXXXX	Web	Servicemember
In a letter dated XX/XX/XXXX, XXXX XXXX stated the following reason ( s ) for their decision to close my accounts. My FICO score as provided by XXXX. A recent payment made to XXXX XXXX was returned unpaid by my financial institution. Based on my credit report, I am or have been past due with other creditors. Our assessment of your total revolving balances on XXXX XXXX and other credit cards as indicated by your consumer credit report. Before and Post receipt of this letter being provided, XXXX XXXX was notified I was a victim of identity theft, which resulted in the following reported information being adversely affected, fraudulent and incorrect : My FICO scores. My payment history with other creditors. My total revolving balances are indicated by my consumer reports. In Regards to my payment returned payment to XXXX XXXX referenced, it was returned due to a security closure of my checking and savings accounts. This was done to protect me from further adverse consequences of the fraud experienced. Federal Regulations and the card member agreement state limit my liability for fraudulent transactions resulting from identity theft. Before and after XXXX XXXX taking adverse action, I fully informed them I was a victim of identity theft and the fraudulent information reflected on my credit report as a result. I followed provided instructions as provided by XXXX XXXX and submitted countless requested documents, proving my status as a victim. I had never missed a payment on any of my XXXX XXXX XXXX, or any other correct account listed on my consumer credit reports. XXXX XXXX was further provided the following data : Documented evidence verifying the identity theft and fraudulent events by my other financial institutions. Documents Validating my identity A copy of the request to have the fraudulent information removed by the CRAs. A copy of my FTC Identity Theft Affidavit A copy of the FCRA 605B ( 15 U.S.C. 1681c-2 ) Copies of my Credit Report showing fraudulent information being investigated and removed successfully. My last correct account statement was received. A copy of my official complaint to the FDIC A copy of my initial complaint filed with the Comptroller of Currency A copy of my FTC Complaint Bank Statements showing income deposited and the ability to pay. Under 615 - 15 U.S.C. 1681m ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; and ( E ) the consumer may exercise the right referred to in subparagraph ( D ) by notifying a notification system established under section 604 ( e ) [ 1681b ]. Additionally, in Summary of Applicable Standards for UDAAPs Unfair Acts or Practices, the Dodd-Frank Act prohibits conduct that constitutes an unfair act or practice. An act or practice is unfair when : It causes or is likely to cause substantial injury to consumers ; The injury is not reasonably avoidable by consumers ; and The injury is not outweighed by countervailing benefits to consumers or the competition. A substantial injury typically takes the form of monetary harm, such as fees or costs paid by consumers because of the unfair act or practice. The injury does not have to be monetary. Although emotional impact and other subjective types of harm will not ordinarily amount to substantial injury, in certain circumstances emotional impacts may amount to or contribute to substantial injury. Besides, actual injury is not required ; significant risk of concrete harm is sufficient An injury is not reasonably avoidable by consumers when an act or practice interferes with or hinders a consumers ability to make informed decisions or take action to avoid that injury. Injury caused by transactions that occur without a consumers knowledge or consent is not reasonably avoidable. Adverse action is defined in the Equal Credit Opportunity Act and the FCRA to include : a denial or revocation of credit. a refusal to grant credit in the amount or terms requested. While Regulation B defines it as a refusal to grant credit in substantially the amount or on substantially the terms requested in an application unless the creditor makes a counteroffer., and the applicant uses or expressly accepts the credit offered. The FCRA, by contrast, defines adverse action more broadly to include section 701 ( d ) ( 6 ) of ECOA. Denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; A denial or cancellation of, an increase in any charge for, or any adverse or unfavorable change in the terms of a government license or benefit ; or in connection with account review that is adverse to the consumers interests. By dramatically changing the terms of my accounts without the required notice, removing me from the member rewards program and confiscating my accrued points, taking adverse action on fraudulent prohibited information, failing to property investigate billing disputes, and closing my accounts without notice XXXX XXXX chose to act in willful noncompliance with 615 - 15 U.S.C. 1681m and the aforementioned statutes and regulations. The actions were taken by XXXX XXXX in response to my identity being stolen directly caused massive and substantial financial and emotional injury and concrete harm. Forfeiting my reward points, failing to fully investigate and correct billing errors, and closing my accounts initially caused me thousands of dollars in financial harm and negatively impacting my credit. This drastic impact on my credit score led to severe emotional damage and massive direct financial losses due to my inability to reasonably avoid these adverse actions. The substantial and unavoidable damage was further exacerbated by the deceptive practices employed by XXXX XXXX to include : Furnishing negative information to the Credit Reporting Agencies. This led to a drastic drop in my FICO score, preventing me from recovering from the theft of my identity. As a result, XXXX XXXX prevented me from obtaining any favorable or future credit. Selling the debt resulting from identity theft to several 3rd party debt collectors. Having multiple debt collectors file lawsuits to recover an invalid debt. When informing one of the debt collectors I dispute the alleged debt, I was informed it was not able to be validated and the lawsuit would be dropped. Failing to drop multiple suits to obtain a debt due to identity theft as indicated. Illegally obtaining 2 judgments against me without my knowledge. Admitting to failing to comply with my request for debt validation and refusing to remove the judgments obtained illegally. Obtaining a receivership without my knowledge. Having the receivership removed, but still refusing to remove the judgments obtained through deceptive measures. Refusing to correct their many errors and adverse actions taken fraudulently, even after being repeatedly informed of concrete and severe emotional and financial harm they have caused in willful noncompliance. Further evidence of willful noncompliance and violations of FCBA and DTPA laws is supported by CFPB Complaint XXXX on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX replied stating they were unable to locate certified documents I submitted and referenced in my correspondence. My initial letter submitted on XX/XX/XXXX was done by certified mail, the XXXX XXXX Document upload site, and faxed. A week after submission I called and was informed by XXXX XXXX, they had been received and would be reviewed. Yet, in the reply to CFPB Complaint XXXX, XXXX XXXX stated they did not receive the referenced documentation, contrary to the proof of receipt. The referenced documentation was even attached Complaint XXXX directly. I demand XXXX XXXX cease all willful noncompliance and Deceptive Practices as required by law and reinstate my accounts in good standing. As well as remove any/all collections attempts and judgments filed which were unverified and fraudulent. Regards, XXXX XXXX
07/25/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23454	Web
I, XXXX XXXX XXXX XXXX, the federally protected consumer contacted XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) after receiving a court subpoena from law firm/debt collector Zwicker & Associates , P.C. pertaining to an alleged debt, supposedly owed to XXXX XXXX XXXX The facts are as stated, I called XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX at XXXX ( phone number ) the entire length of the phone call was 22 minutes, 19 seconds in duration and this was due to the time it took to reach the lending department of XXXX XXXX XXXX XXXX. I spoke with lending department representative ( XXXX XXXX ) XXXX whom told me on the recorded call by XXXX XXXX XXXXXXXX XXXX that the account ending in XXXX was a charge-off ( canceled debt ), so I asked why did I not receive the IRS form 1099c pertaining to that account being a charge-off/canceled debt required to be sent per the IRS so that I can file it with my tax returns. I was then told that XXXX XXXX XXXX XXXX representative of the lending department that they did not have that form to send to me. My next question was ; Is there a repurchase agreement for the charge-off/canceled debt due to the fact that this law firm/debt collector titled Zwicker & Associates, P.C. has mailed me court documents alleging the debt owed to XXXX XXXX XXXX XXXX whom they are representing, This was explained by me, the consumer, to the lending department representative who then replied with XXXX XXXX DOES NOT OWN THE ACCOUNT ENDING IN XXXX, the account ending in XXXX was placed with Zwicker & Associates, P.C. which is Identity Theft and Fraud. I never gave anyone verbal nor written approval, nor did I give anyone authorization for any of my personal information attached to any consumer credit transaction for the alleged account to be placed, given, transferred, sold, or assigned to Zwicker & Associates. P.C. I even asked the XXXX XXXX XXXXXXXX XXXX ; What does " placed '' mean, legally and if she could explain the legal definition of the term. Not only have I received fraudulent court documentation obviously obtained due to Identity Theft, because I never physically signed any documentation where a consumer credit transaction for a loan with Zwicker & Associates, P.C. with a wet ink signature on it, signed by me, the consumer, XXXX XXXX XXXX XXXX. This is not only Identity Theft/Fraud, this is also Mail Fraud by using the United States Postal Service XXXX USPS ) and a USPS mail fraud report was submitted as well with United States Postal Inspector ( also suggested to do so by Financial Crimes division police detectives ) since personal and financial information was obtained by this law firm, Zwicker & Associates , P.C. acting as a debt collector, which also is a violation of the FDCPA which states that a debt collector can not be a law firm and a debt collector ; it has to be either/or but can not be both. This also brings up the IRS Publication 4681 for canceled debts. Once the debt has become a charge-off, it's now considered income. Which means that debtor is now reporting inaccurate because you can not report income on a consumer credit report. As soon as it is a charge-off the consumer is suppose to receive IRS form 1099c to file on their taxes. I never received any 1099c forms from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), nor have I received any 1099c forms from the following entities whom both furnished charge-off data to the three credit reporting agencies ( XXXX, XXXX, XXXX ). I did speak to IRS representatives in regard to IRS Publication 4681 pertaining to the steps that companies are suppose to take when a canceled debt/charge-off occurs, and what was stated previously is what was told to me by IRS representatives. The other two entities that have canceled debt/charge-off accounts which are reporting inaccurately on the three consumer credit reports and I've yet to receive the required 1099c form from are as follows ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Also, recently a court subpoena was mailed by Zwicker & Associates, P.C. demanding personal bank records for the alleged account ending in XXXX from XXXX XXXX, while I objected by notarized affidavit filed with court and mailed to Zwicker & Associates, P.C. with this demand due to the strict fact that it violates my federally protected rights via FDCPA as a consumer ; XXXX XXXX XXXX XXXX implicated themselves in this Identity Theft/Fraud being committed by Zwicker & Associates , P.C. by sending my personal bank records without my verbal consent, without my written consent and never communication with me via phone call nor mail in regards to this demand for my personal bank records which again violates my federal consumer rights outlined by Congress. Once the alleged loan goes into default and is assigned to a debt collector, the effective law changes. The FDCPA is now the law under which action is governed. Once under the conditions of the FDCPA, debt collectors have no legal right to ply the legal remedies owed only to creditors who make loans ( which no bank/financial institutions can lawfully/legally loan money since XXXX ), including notices of default, assignments to servicers, substitutions of trustees, etc. Elements of the FDCPA are very simple and straightforward at setting rules for debt collectors. 1. Consumer is defined in 15 USC 1692 ( a ) ( 3 ) 2. Creditor is defined in 15 USC 1692 ( a ) ( 4 ) - someone who extends credit creating a debt, and does NOT include anyone who receives a debt in default by assignment or transfer for the purpose of collecting on the debt for another ( namely, third party debt collectors, servicers, attorneys ) 3. Debt is defined in 15 USC 1692 ( a ) ( 5 ) - money owed by a consumer of persoanl goods 4. Debt collector is defined in 15 USC 1692 ( a ) ( 6 ) - includes a creditor trying to collect a debt under another name. 5. Legal actions by debt collectors is defined in 15 USC 1692 ( i ). Lastly, the fact is all charge-offs are sold to a securitized trust ( FAS 140 ) and what remains on the transaction is a empty account. For a creditor to have any legal standing they must repurchase the debt. When companies state they DO NOT OWN THE ACCOUNT as I was told by the lending department representative for XXXX XXXX XXXX XXXX whom also could not answer my question of ; does XXXX XXXX XXXX XXXX participate in the Truth in Lending Act, the response was she'd never heard of it, I didn't ask any further questions. They can not collect on what they do not own and still proceed to collect on it, let alone illegally place an account with a third party to attempt to collect via Identity Theft/Fraud and Mail Fraud while utilizing the court systems to do so which is misleading. A FTC Identity Theft Complaint and Affidavit has been attached and notarized and USPS Report number for Mail Fraud is visible as well on the report attached.
11/20/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 94538	Web
On the evening of XX/XX/XXXX, around XXXX XXXX PST, I was served a summons by Zwicker & Associates, XXXX, A Law Firm Engaged in Debt Collection informing me that I am being sued in a case titled, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX, inclusive. The date stamped on the summons paperwork indicated that the suit had been filed on XX/XX/XXXX, 24 CALENDAR DAYS prior to when I became notified. The summons indicates that I have 30 CALENDAR DAYS to respond, thus I have been left with 5 CALENDAR DAYS to respond. This action taken by XXXX XXXX, and facilitated by Zwicker & Associates, comes at a time when the United States of America surpasses 250K COVID deaths, more than 30 million Americans remain unemployed due to the pandemic, and during the start of the holiday seasonleveling extraordinary amounts of stress upon my family and me, at time when we have never been under greater stress, both financially and socially. Further, sometime between XXXX and XXXX of XXXX, I contacted XXXX XXXX directly to request that payments be deferred until after the pandemic and/or I am able to secure an income sufficient to continue to make my obliged payments. XXXX XXXX refused to defer my payments but proposed instead to lower them to an amount of several hundred dollars a month for a 12-month period of time. This was an amount that I was still unable to afford, and the result of my conversation with the company was a feeling of complete and utter hopelessness. I found no sympathy in XXXX XXXX, a company supposedly considerate to the needs of its longtime members, like myself, during an extraordinary period in time. So, how did we get here? In XXXX, I moved from XXXX XXXX back into my parents house in XXXX, CA with my then fiance, now wife, to prepare for the birth of our first child. I continued to work remotely in my role at my former employer doing XXXX XXXX and XXXX XXXX work. The decision at the time was made to help us get our finances in order, including paying off our outstanding credit obligations to XXXX XXXX. This was going according to plan until the week before XXXX XXXX, when I received a phone call about the website I was building for my employer. In that phone call, I was politely informed that my job was terminated. To say I was surprised by the news would be an understatement, not to mention my wife had just given birth to our son a month prior. I spent the next several months educating myself for a career transition as well as entering into unemployment and attending their career counseling and facilitation programs. I earned several XXXX certificates in XXXX XXXX to make a switch into XXXX XXXX which sent me down a path of learning XXXX XXXX. I applied for myriad jobs and landed none of them. It was a demoralizing time. However, in desperation, I built a XXXX XXXX and decided to pool what little finances my wife and I had into starting a XXXX XXXX. We were successful in securing an initial investment which gave us a short runway and the bandwidth to build and develop a fundraising campaign, and partner with four renowned nonprofit organizations in addition to the XXXX XXXX XXXX XXXX on Climate Change. We had built a public-benefit, Certified B-Corp Pending corporation with a mission and model to reinvest our profits in our community, stakeholders, and environment. All of my energies, talents, and efforts were channeled into our company, launching our fundraising campaign, and securing additional investment to launch off of our runway and provide myself and my family with an income to support ourselves and pay off our outstanding debt obligations. Then, XXXX hit and fundraising vanished and we went off the end of our runway. We applied for any federal assistance that might apply to our business but have not received any support to date. There is no category for the multitude of startups and entrepreneurs, like ourselves, whose fundraising opportunities were severely impacted by the pandemic. Thus, we have found ourselves fighting day-in and day-out to keep our company alive and out of bankruptcy, along with ourselves as individuals. My family and I have spent two years living with my parents, which has been the only way we would have been able to keep a roof over our heads during this time of great economic despair. COVID has taken our business 's fundraising opportunities as well as our job opportunitiesstriking down my wife 's first job after XXXX a day before she was to hear her offer ( the company informed her they were freezing all hiring until further notice due to the global COVID-19 pandemic ). Not an hour has gone by that I do not think about, and work toward, getting our company 's next product released and building enough recurring revenue to provide a stable income for myself and my familyso that we can afford to support ourselves financially and pay off our outstanding debts. This is, in turn, reflected by my card history as a member with XXXX XXXXthe records of which I have requested as the company 's system no longer grants me access to this period of my account history. Whenever I have found myself with the means to afford paying off all of my debts, I did so. When I could not completely remove all outstanding debts, I made on-time and continuous monthly payments that either met or exceeded the minimum due. The ceasing of any and all payments by myself to XXXX XXXX has come about due to the incessant financial toll on me, my business, and my family, reflected in the economic toll on the public wrought by a previously-unimaginable global pandemic. The actions taken by XXXX XXXX and Zwicker & Associates reflect a deep disconnect with the American public, American small business owners, and American entrepreneurs. A company with " XXXX '' in its name, has forgotten what it means to be an Americancompassionate, collaborative, forgiving, and brave. This lawsuit and its delivery, an exceptionally late notification, are hallmarks of a process and system designed to intimidate and harass people who are working and persevering each and every day to rectify, make right, and improve their lives. This lawsuit and its delivery place severe emotional and physical stress on me, my marriage, and my family. This lawsuit and its delivery impede the psychological and emotional impetus necessary to achieve returning myself, my business, and my family to a financial standing sufficient to afford to make payments on the debt obligations upon which this lawsuit bases itself. This lawsuit and its delivery is an unabashedly shameful attempt to harass and extort an American entrepreneur and his family as they struggle to make ends meet during an extraordinary and devastating global pandemic.
01/25/2023	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	MI 48237	Web
Dear, President XXXX XXXX I am XXXX XXXX XXXX XXXX, the living being and beneficiary of my estate which is the all CAPS NAME on my social security card XXXX XXXX XXXX XXXX. I am here to put you on notice that you have violated my rights because you got my information from XXXX XXXX without my permission/written consent. Before I move forward and seek litigation I would like to show you how you violated me and which laws were broken pursuant to the law, specifically the FDCPA. Zwicker & Associates, P.C., ( XXXX number assigned by the bureau is : XXXX ) is a law firm that is also practicing debt collection. Any company that is participating in debt collection is regulated by the FDCPA ( Fair Debt Collection Practices Act ). The FDCPA put laws in place to protect consumers from abusive, deceptive, and unfair debt collection practices. Congress targeted such behavior because it found that [ a ] busive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 15 U.S.C. 1692. Yesterday, XX/XX/XXXX, I had multiple phone calls with multiple agents, breaking down how Zwicker received my information and how they would move forward with my information. As I was on the phone with them I typed up multiple conversations of them violating different violations. None of the agents informed me of my right to ask the collection On XXXX of the calls I spoke with an agent named XXXX XXXX that on XX/XX/XXXX, XXXX XXXX hired Zwicker to collect on an alleged debt. Once they received the information they sent out a DEMAND LETTER on XX/XX/XXXX, stating they are in an attempt to collect on behalf of XXXX XXXX, which is a violation of 15 USC 1692b ( 2 ), a debt collector can not state that such consumer owes any debt. He then went on to say they dont have anything on file with written consent stating that I gave Zwicker consent to have ANY of my information. This is a violation of 15 usc 1692a ( abusive practices ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. CALL DIALOGUE- VIOLATIONS Zwicker - collection agency - XXXX XXXX XXXX Told me they will collect on a debt and they are a law firm i spoke with XXXX XXXX XXXX XXXX XXXX XXXX stated that there in attempt a debt - 15 usc 1692b ( 2 ) The attorney is XXXX XXXX XXXX XXXX yes, XXXX XXXX XXXX on a call at XXXX on XX/XX/XXXX that XXXX XXXX hired zwicker & associates to collect on their accounts. you guys to collect on Thank you for calling the XXXX XXXX XXXX zwicker & associates pc, i am not a attorney i am a collector this conversation is an attempt to collect a debt - 15 usc 1692b ( 2 ) XXXX XXXX - states they are contracted by XXXX XXXX - they are a third party corporation - if i dont pay the alleged debt that they will assign one of these attorney to the case to file a lawsuit. 15 usc 1692e ( 3 ) He told me if i dont pay then they will continue to call me which is harassment ( 15 usc 1692d ) he then transferred me to another associate XXXX XXXX XXXX i am a non attorney collections manager for the law firm of zwicker and associates pc this conversation is an attempt to collect a debt. Any information obtained will be used for that purpose states XXXX XXXX sent them my information XXXX XXXX ( 15 usc 1692d ) 15 usc 1692e11 They sent me a letter on XXXX XXXX, a demand letter stating they are in an attempt to collect on behalf of XXXX XXXX. ( 15 usc 1692d ( 2 ) ) ( 15 usc 1692d ( 1 ) ( 15 usc 1692e ( 11 ) He states they don't have anything on file with written consent stating that I gave zwicker consent to have ANY of my information. He states that they put their law firm letterhead on the documentation that they sent me. 15 usc 1692f ( 8 ) He states they never had written consent from me to contact me He states they will continue to contact me if i don't pay this alleged ( 15 usc 1692d ( 1 ) He states they won't lift the do not contact off of my account as i asked. He states he won't comply with my demand to delete all of my information from their file and send it back to XXXX XXXX. Which means they are keeping my information in their file without my consent. He said he will not be deleting my information CEASE & DESIST This is a demand for you to cease all communication. Delete all of XXXX XXXX XXXX IIs information from your files and send it back to XXXX XXXX. CIVIL LIABILITY An action to enforce any liability created by this subchapter may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within one year from the date on which the violation occurs. any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or
02/14/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 61201	Web
On XX/XX/XXXX, an attorney representing Zwicker and Associates filed a complaint against me for an unpaid credit card debt. On XX/XX/XXXX we met in court and came to an agreement that I was to make plans for payment in the next 30 days ( when the next court date was scheduled ). Ultimately, a lawsuit was filed against me, though a year went by before any action was taken, before which I had clearly informed the agency that I was unable to pay. A default judgment was reached nonetheless, though, again, nothing was done until about a year later, at which time my bank account was frozen on or around XX/XX/XXXX, though I was not properly informed of the citation hearing, where I could have stated my case. I filed a motion to vacate the default judgment on XX/XX/XXXX due to the improper notice, meeting with the court on XX/XX/XXXX. Given the improper notice, and perhaps in fact because the IRS have a lien on my property, which itself takes priority, the citation, though not the judgment was quashed on that day. The freeze was lifted on or around the XXXX of XXXX, at which time I discussed with one of the attorneys, which I have a recording of ( done with their informed consent ), and they indicated to me that they would not pursue this matter further given the facts of the case. Nearly five months went by without any notice or contact by them, which seemed to be confirmation that the matter would no longer be pursued, again, given the facts of the case. However, on XX/XX/XXXX of this year -- last week -- I was informed that, not only were they trying to collect on the debt, but they had also not received notice from the judge, which is contrary to actual events and logic, as my account could only be unfrozen by the agency, and that would only occur upon the command of a higher authority. This person then gave me the email of the attorney they said was in charge of my case, to whom I sent a letter wanting an explanation. Not long after, I called the agency back to clear up the matter, which I have on record -- again, the conversation being recorded with their expressed permission and awareness of said recording -- and was told by an attorney that there would be a no-contact order put in place, one which would state not contact me by any means, including via phone, email, or traditional mail. However, the next day, I received notice that they were still seeking payment, which I find vexing I wasn't informed of during my conversation with them, since the lawyer, again, on record, cited a note in the file regarding events from last year, which means they obviously keep a log of what is being discussed and sent out. What is even more troubling is that the correspondence that they sent me was in an unmarked envelope, which looked exactly like the spam mail I often receive that is unmarked. The only reason I even thought to open the correspondence this time, though it was unmarked ( save for basic information having nothing to do with an exact address ), was because this agency 's contradictory statements and actions led me to believe they might attempt to surreptitiously or anonymously send me important notice that a general person might otherwise ignore. I have picture evidence of the blank envelope and the letter, both taken together to show that they were connected. Troubled by this, I called the agency again and spoke to an attorney, who then began to question whether the letter actually came from Zwicker and Associates, though more troublingly, indicated to me that, since I owed them money, they could and would send me more correspondence, even though I was told, on record, otherwise. They then began to use vexing double-speak, asking me whether or not I actually wanted them to call me back ( something I said yes to in this singular instance, only because the implication was that the conversation would be one where everyone is on the same page expectations were clear, not wanting further communication with them otherwise ). This entire interaction felt dishonest, contradictory, and volatile, to the point where I now have XXXX regarding the issue since it seems the agency, based upon what I have experienced, seems to change their mind on a whim, and I am now afraid that they will again try to seek to have my assets frozen, which they can not take since the IRS has a claim on it, but that they, back in XXXX, told the bank to freeze until XXXX of this year. Their actions nearly destroyed me financially, and ironically, their actions made it harder for me to make a deal with them to pay, as I had asked them if we could come to some payment agreement when my account was first frozen, which they refused, and a month without any funds ( my career as a XXXX was significantly affected, to the point where my money in the account was the only thing sustaining me ). I spent a month having to borrow money and being unable to even pay my internet bill, which is essential for my work.
04/10/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	WA 98119	Web
Zwicker and Associates is pursuing me legally out of state after I have already coordinated a settlement payment with their organization ( for a previous account back in XXXX and for the account they are suing me for in XXXX in XXXX, and I live in XXXX State ). To give the full scope of the situation, my unfortunate circumstance starts in XXXX. Zwicker and Associates first sued me in XXXX State in XXXX for debt owed to XXXX XXXX. At that time, I was currently working with a Debt Negotiation Company called XXXX XXXX XXXX. I worked with XXXX XXXX XXXX from XXXX thru XXXX and they settled XXXX of my debt and I cut ties with them so I could work with Zwicker and Associates and other creditors directly, and coordinated monthly payments to resolve my debt with XXXX XXXX through Zwicker and Associates in fall of XXXX. I have successfully paid off several accounts now with different creditors, slowly making things right, which I am proud of that progress. When I was setting up my payments with Zwicker and Associates in XXXX, they let me know that there was a second XXXX XXXX account that they were also pursuing collections for. I told them that I could only afford the one monthly payment, and I was told they would reach out to me after my payments were completed for the first account to schedule payments for the second account. I completed my payments, and made good on the debt owed on the first account in fall of XXXX. My mother, who lives in XXXX, received a letter last week in the mail with information tied to a recent filing ( XXXX ) from Zwicker and Associates against me. She thought it was a scam. For color, I was born in XXXX, but I moved out of the state in XXXX. I lived in XXXX from XXXX and I've lived in XXXX State since XXXX. When she sent me a photo of the letter ( it was a marketing letter from another law firm offering to represent me in the case ) I immediately called Zwicker and Associates on Thursday XXXX and set up a settlement payment for the second account. I explained to them how upset I was that they never reached out to schedule payments for the second account and instead sued me, and in addition to taking unnecessary legal action against me, they sued me in a state that I haven't lived in for nearly a decade. I wanted to coordinate a lump sum payment, but instead set up monthly payments ( with the first payment already debiting on XXXX for {$600.00} ) until I was able to secure a settlement amount. I called Zwicker and Associates this morning with my lump sum settlement offer and they accepted. No more than 20 minutes later, my mother ( who lives in XXXX ), was served legal documents today XX/XX/XXXX in XXXX regarding this issue. The person who was serving my mother the legal documents directed towards me ( Me - someone who lives several thousands of miles away in XXXX State ) told my mother I needed to be in court in XXXX in 20 days. This all came after I had spoken to Zwicker and Associates last week and today and scheduled a payment to settlement the debt in full for the second account. So now I have not only scheduled a settlement payment for the second account, but I am being sued quite literally across the country. When I called the Zwicker and Associates back today ( several times ), they kept telling me they weren't lawyers and couldn't discuss the case, blamed the reason they were pursuing me legally in XXXX because of my relationship with XXXX XXXX XXXX 0 a service I stopped using in XXXX quite literally so I could set up payments directly with Zwicker and Associates. When they provided me a phone number to the law offices in XXXX, no one picked up the phone. After several hours with them on the phone today, being given the same run around answers and victim blaming responses, someone from XXXX Law office called me back and apologized, but I have received nothing in writing that I am no longer being pursued legally, so I have to assume that they are still coming after me legally and are betting on a default judgement because I live out of state. I fail to understand why they would pursue legal action against me in a different state when I was cooperative with the first account 's payments in the state that I am currently living in. Their tactics are predatory, aggressive, and confusing. I want to settle this account and be done. The XXXX law suit is frivolous and unnecessary. I shouldn't have to travel across the country to settle something I already settled over the phone by giving my account and routing number and scheduling a settlement payment. I am saddened that XXXX XXXX approves of these types of tactics to collect debt, especially against someone who was cooperative in the past. The only times I could not set up payment before XXXX was due to literally being out of work and without any means to repay.
06/25/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 34232	Web
My Claim Letter Against XXXX and Zwicker In XXXX I incurred a health emergency that left me unable to work until the fall of XXXX, albeit part-time was all I could find. When I first became ill, I had no idea that it would not be weeks to heal but months to even regain my strength. Instead, I had to use my savings and credit cards to help me with necessities and eventually had to go on food stamps and other forms of government assistance to get by. This financial hardship lasted longer than I expected, and there came a time when I overdraft my bank account over and over again. I was broke. Then, Hurricane Florence hit, and I was displaced. Because of the kindness of a neighbor, I did not become homeless and was safe. However, I still didn't have any money coming in for another month. Thus, I still couldn't pay my bills. With the exception of XXXX, companies and people went out of their way to work with me. They allowed me to rebuild my life until I could pay them back as I promised -- as soon as I got back on my feet and could take care of myself again. However, XXXX ended up " selling '' my debt to Zwicker and Associates, P.C. after XXXX had charged it off. Before I knew that, I had reached out to XXXX multiple times in the past, explaining my dire situation. Yet, every time, they asked me to pay at least three to four-figure amounts, which I did have. By the Fall of XXXX, I had all of my debt paid except XXXX. Even though the amount was charged off, I wanted to make it right and try to settle for less by making a lump sum of XXXX ( that took me months to save ) and then pay about another XXXX in payments. I didn't expect to settle an XXXX debt for XXXX ; it was just where I could start. Although, when I called XXXX to make arrangements, they told me that I would have to deal with XXXX. So, I called them, explained the situation. They asked me if i could pay them XXXX to settle ... ( sigh ) They accepted my lump sum of XXXX and then payments of {$200.00} for five months. The person I spoke to, " XXXX, '' told when my debt was below XXXX, they would consider making a settlement with me. I expected that I would be contacted in XXXX with an offer or a letter to call them -- that is what I understood. I am on a " Do Not Call List ''. However, I welcomed them to contact me via email or D.M. They sent me monthly notices, so the company knew they could contact me by sending me a letter. However, instead of sending me an offer, they served me a summons on XX/XX/XXXX. I called the company to get clarity. I was hoping to speak with the attorney who filed the claim. However, " XXXX '' picked up the phone and proceeded to " strong-arm '' me with words such as, " You've missed your last two payments. '' Even after I told her that I did not. I paid what was agreed to and would like a new offer. She was aggressive when trying to get me to make a payment. But, my main focus was trying to find out why they chose to serve me rather than send me a simple letter. Moreover, I didn't have any information that if I made a payment, they would not sue me. Hence, I didn't feel comfortable making a payment of any kind. I wanted to talk to a lawyer to know my rights in this situation. As I was trying to hang up because I wasn't being heard, someone named " XXXX '' interjected himself, abruptly, into the conversation. In seconds, he told me they were starting papers to sue me. I said, " You already did. I got the summons tonight, which is why I called. '' I told him I would call back tomorrow after I had more information and checked my budget to see what I could pay because I don't get paid much during the summer. I am a XXXX XXXX XXXX teacher, and I work at a small private school. I don't get benefits, paid for holidays, nor any breaks. I am teaching XXXX XXXX, but I am not working any more than 15 a week. Yet, my bills are all the same, and my rent will increase in XXXX. I am still trying to rebuild my life from my hardship, which began in XXXX and lasted until late XXXX. I am a single XXXXyear-old woman, and I have no XXXX but me to rely on. I have no family or friends who can help me with money. It's just me. Because of what happened to me, I have no savings or retirement. I am scared every day that I'd be ruined again if I have another emergency, as I did in XXXX. I am not expecting to get the XXXX or so all written off, albeit that'd be a miracle. I know the amount has already been charged off and taken as a loss by the company. In some ways, the tax law allows them to benefit from these losses. So, I don't understand why they can't settle 30 % to 40 % of what I owe, allowing me to make the payments, which I know I can make.
11/06/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	SC 29063	Web
First of all I need to make it clear that I was never contacted by this agency and as of today do not have a clear knowledge of why I was threatened, harassed, stalked, violated, Invasion of my Privacy Under Penal Code 647 ( j ), and embarrassed by this company. I did have knowledge of this company until there was a postal notice placed on my door on XX/XX/2022. I still did not know who this agency was and I had to XXXX search this agency which would be the first time since this devastating event took place. I am unsure, but I believe this debt was from Bank XXXX XXXX who have sold my debt to various agencies like this agency that is being reported. Within the past 6 months or more, I noticed a stranger ( white male ) in a dark gray vehicle entering/trespassing on my property on a regular basis. However, I did not have any knowledge of who that person was. I thought that it was a random person trying to sell something in the neighbor. Also during this current pivotal moment of unseen and unheard of violence across America, it was safe for me not answer the door to a stranger that you do not know. Be it known I still did not have any knowledge of who this white male is that was violating my personal safety by trespassing on my property on a regular basis. Most recently it had gotten to the point that this strange white man, whom I do not know and with no identity, was frequently stalking my home all times of the day and late in the evenings. I begin to feel threatened, violated, harassed, feelings of anxiety, and unsafe in my own home due to this strange white male coming to my house. With this type of trauma, I began to seek security measures for my family 's safety. The most recent incident that I am delineating was very violent, frightened, traumatized, embarrassed, rude, and unbelievable. On XX/XX/2022 approximately XXXX XXXX, while my family and I were eating dinner, out of no where this strange white man unannounced invaded my home again and forcefully tried to make me open my door. He was forcefully banging on my door and refused to leave even after ignoring him. This angry monster outside of my door tried every tactic to intimidate with his violent behavior by repeatedly banging on my door. Immediately afterwards, this angry crazy white man peeped through my dining room window demanding me to open my door to sign some papers that I do not know anything about. I became overwhelmed with fear and anxiety and yelled through the window demanding that he get away from my home. This incident was so frightened and unbelievable that it left my entire household traumatized. The debacle did not end on that evening. Each and every day ( XXXX XXXX XXXX, 2022 ) the same violent and militant man continued to trespass on my property by driving his vehicle in my driveway, in front of my driveway, on the street curb of my home near my mailbox, etc. He not only continued to harass me, he and several other individuals in various vehicles ( white SUV, gray XXXX car, and a black SUV ) were stalking my home all morning, day, and night. My ring security alerted me of enormous and overwhelming activities of these vehicles on or near my property throughout the day and night. This is a very violent and vicious company who has caused me and my family pain and suffering with violent threats and behaviors. This horrible experience involved my neighbors because they were constantly and repeatedly parked in the community on the street which made it difficult for school buses, medical emergency vehicles, or any other vehicles to get in and out of this neighbor. It also made my neighbors curious about what was going on with me which therefore placed me in an embarrassing situation. I have been placed in public shame by this agency stalking my home as I have been looked upon as a criminal to the all the nearby neighbors. The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from repeatedly or continuously trespassing, invading, or calling to my home with intent to harass, oppress, or abuse me. I am a person of character and high esteem and not a criminal. I have never been so traumatized, threatened, and violated in my life since having contact with this agency. This agency should be shutdown and criminally accountable for the invasion of my privacy, threats, and violent behavior that I received from them all because of noncommunication through the proper channels that professional agencies would follow.
03/16/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CT 060XX	Web
Zwicker has repeatedly tried to contact me at my in-laws even though I havent lived there since XXXX, the business involved in this debt was never registered there, and XXXX had my current address and contact info on file before sending me into collections with Zwicker and Associates. More recently, they said they had tried to called me repeatedly but they never left a voicemail even though, once after they called and left a message with father-in-law, I did call them back, gave them my proper number, and gave them permission to leave messages, and also made sure they have my current address. I had to ask 3 times ( twice on the phone and once in writing ) that they stop contacting my in-laws. My mother in-law also spoke to them at least twice and told them I didnt live there. Y father-in-law spoke to them too. When Zwicker decided to sue me, they tried to deliver the court summons to my in-laws instead of me. When Zwickers representative later came to my house with it, he just threw it at the end of the driveway where I didnt even see it when I got home. Instead, my husband found it we had no idea how long it had been there. Over the phone, I agreed to pay {$250.00} a month and they started taking monthly payments out of the account. Said they would take two to begin with and then more after I returned the court paperwork. I returned the court paperwork on time and then they stopped taking the payments wed agreed upon. There was no information in the agreement saying what constituted default or that the balance being due immediately meant that they would try to take it from my checking account. To my knowledge, the did not try to contact me before filing paperwork to levy my bank account. The money in my checking account was from a federal student loan and so is not eligible for garnishment. I called them to discuss the issue and was then told that I the money had been taken because I hadnt paid since XXXX, which I had not been aware of. I thought payments were being taken as agreed since I hadnt heard anything from them. The lawyer kept telling me to hang up and call the collections department and the collections department kept telling me to hang up and call the lawyer and I got nowhere with them. Eventually, even though they had just frozen {$2000.00} of my checking account money, I was told I still needed to give them a payment ASAP. When I asked if they were going to continue to take money out of my account on a daily basis if I didnt give them a payment, they couldnt say. When I asked how the {$2000.00} didnt count as a payment, they said, Because we had to take it. You didnt give it to us willingly. I told them not to contact me again until after XX/XX/XXXX since I had no idea where I was going to find money for them. They started calling me again less than a week later on XX/XX/XXXX. Over the next week, I had to borrow money from my mother to cover my mortgage. I also borrowed money from sister to pay them {$250.00} for XXXX. After my husband and I got paid again, I sent them {$500.00} to make up for the missed months of XXXX and XXXX. As mentioned above, they called me again on XX/XX/XXXX. They didnt leave a message. They called again on XX/XX/XXXX. I answered and they asked me to pay the balance in full. I told the woman that I had a court judgement and that Id already sent them {$750.00} and that the {$2000.00} was still being held and that I had no more money for them. She said she had no record of any of that. I had to explain the entire court settlement/bank levy situation to her and then she had to go look for the checks I had sent. Thankfully she did eventually find them. She asked me if I was willing to set up a new payment plan. I told her I wanted to stick to the court judgement. She confirmed that my account is now up to date in accordance to that agreement, and that as long as I continued to pay on time, no more action would be taken. She also said that if I missed a payment by more than 30 days, it would be considered in default again. I asked her to confirm this 30-day policy and she twice confirmed that they dont take action until an account is 30 days past due. Of important note here, when Zwicker and Associates filed the paperwork to levy my bank account, it was only 28 days passed the payment due date.
05/30/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 34983	Web	Older American, Servicemember
Debt Collection complain : To whom it may concern : XX/XX/XXXX On XXXX XXXX , 2017 Zwicker and Assoc., XXXX XXXX XXXX XXXX ., XXXX XXXX , XXXX , Fl. XXXX illegally placed a garnishment on a checking account held by XXXX XXXX XXXX , XXXX XXXX XXXX Fl . in the names of XXXX XXXX and XXXX XXXX in the amount of $ XXXX .for a delinquent credit card account held by XXXX XXXX with XXXX XXXX as the sole debtor. The debt is acknowledged by XXXX XXXX . the undersigned, but, as Zwicker and Asoc. was unable to garnish my social security income, they chose to illegally attach my wife XXXX XXXX account for this amount.. I am a signator on this account, for safety purposes, but it has been totally and exclusively funded for some 15 years through payroll deposits from XXXX XXXX position as an XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX . Florida statute protects my wife 's account from garnishment by virtue of my non participation in the funding of this account. Additionally, I question by what means Zwicker obtained a court order as, had the court been advised of the facts, the petition to garnish would not have been granted, Additionally, I have received neither written notice nor any opportunity for a hearing in order to answer a proposed garnishment from Zwicker, either before or since this illegal seizure. I did receive a phone call approximately three weeks ago during which I stated that at XXXX years of age I was unable, at this time, to honor this indebtedness and thought, after approximately three plus years, XXXX would have charged offoff this credit card debt.. On Thursday, XX/XX/XXXX , 2017, wh en I checked XXXX XXXX account and found a XXXX balance, I contacted XXXX XXXX of Zwicker, informed him of the illegality and received an unsympathetic, rude reply that he was not an attorney and payup was the only solution. Further, I advised him that I had not received written notice or an opportunity for a hearing, as was my right, and he indicated that this was not his problem.. I contacted XXXX XXXX XXXX and they informed me that legalities were not their pervue and had no choice but to honor the court order. XXXX , contracted with Zwicker directly to secure some repay. They did not sell the note. They expressed concern about Zwicker 's actions and are in the process of investigating this incident. The long holiday weekend has delayed their findings as of this writing As earlier stated, I am XXXX years of age, solely supported by social security. Zwicker 's actions were an obvious act of Elder Abuse. They capriciously and illegally garnished my wife 's account of {$1600.00} when my social security account was sacrosanct. They had to realize that this action would adversely effect our abilities to pay necessary monthly bills such as mortgage, electric, car insurance etc., as well as food and daily living expenses, yet they wontonly chose to take this illegal action, mislead the court by omitting full disclosure and cause my family undue duress and complicated financial peril. I personally am under constant care at the XXXX XXXX in XXXX XXXX XXXX , Fl. for XXXX XXXX and XXXX issues as well as normal old age problems. These capricious, cruel, purposeful and illegal actions by Zwicker, possibly without the consent of XXXX , have exascerbated my XXXX XXXX XXXX issues.. Elder abuse at its worst. I would humbly and respectfully entreat your agency, through its good offices, to order Zwicker/ XXXX to return XXXX garnished monies in the amount of {$1600.00}. and further sanctiom Zwicker and Associates for this illegal and cruel act. If XXXX knowingly allowed Zwicker 's action, then their involvement should be equally sanctioned. I thank you for this avenue of complaint and would hope that this advisement will prevent the Zwickers of the world from exacting their illegal measures on their helpless and uninformed victims, age notwithstanding. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ., Fl . XXXX XXXX XXXX XXXX cc : Zwicker XXXX XXXX XXXX XXXX
01/05/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MD 21921	Web
XXXX account closed in XXXX for unpaid charges. Called and advised them that charges were not made by me. Could not access my account. Saw my name on case search while doing a search for my employer one day. I showed for the court date. Per MD case search : XXXX Complaint filed by XXXX . XXXX Summons served- No summons received. XXXX Trial Date. I show up because I saw my name on case search. XX/XX/XXXX Affidavit Judgement Denied. Ineffective Service. Def appeared said not served. def daughter served at XXXX Co. Clerks Office. MY DAUGHTER HAD WORKED AT THE XXXX AS A TEMPORARY EMPLOYEE IN XXXX. HOWEVER, NO LONGER WORKED AT THE XXXX XXXX AND HAD NOT FOR QUITE SOME TIME. I did show up for the court date on XX/XX/XXXX, but The company ( Zwicker ) that filed the complaint, did not. The judge should have dismissed the case right then. XXXX Zwicker & Associates filed a Motion to Reconsider or in the Alternative Set For Trial. XXXX Judge grants Motion/Request. XXXX Motion-Compel Contacted XXXX advised that attached ORDER is for different defendant. XXXX Trial Docket Sheet XXXX Request for Writ of Garnishment PROPERTY GARNISHMENT I never received any notice from anyone ) XXXX Request for Service-Certified Mail, XXXX, or XXXX SERVE PROPERTY GARNISHMENT-CERTIFIED MAIL ( I never received any notice from anyone ) XXXX Writ of Garnishment of Property Issued Garnishee : XXXX XXXX XXXX ; XXXX XXXX XXXX Return of Service- Served ( I never received any notice from anyone ) At the trial, An attorney for Zwicker was present and another individual who claimed to represent XXXX. Documents presented to the judge stated I owed over $ XXXX. This was ridiculous. I did not owe this amount. This was clearly inflated charges, fees, and interest charges that were attached to the original balance. I was not allowed to examine the documents prior to or flip through them. I tried to explain to the judge that I had attempted on numerous occasions to contact XXXX about fraudulent charges and that I was not the only card holder on the account. My card/account had been used without my permission. The judge did not want to hear this or take it into account. Because I had been locked out of the account I was unable to provide any statements or proof that payment was made to the account. If the judge had even looked through the documents, maybe she would have seen that I did pay my account on time prior to going to court. Every time I attempted to talk or wanted to ask a question, I was immediately cut off and reminded that I was not allowed to unless I had documentation. So I was forced to accept whatever the judge said. A Judgement was awarded against me in XX/XX/XXXX for over $ XXXX. Zwicker & Associates and XXXX could not provide any proof that account was mine. No cardholder agreement signed. XX/XX/XXXX, I attempted to use my back card and it was declined for fraud alert. I contacted my bank ( XXXX XXXX XXXX ) and was given a number to call for more information. I called it and was advised that my account had been frozen by Zwicker & Associates for non payment. I received no notice of any kind from this agency, my bank, or the court system. Furthermore, I have not been contacted in over a year since going to court to even try to arrange any payment. I have always paid my accounts on time and at no time was I contacted by anyone. How is this legal to take someones main source of income? I do not have access to any funds. I can not buy food, pay for my prescriptions, put gas in my car to go to work. I am going to have services disconnected if they are not paid. This tactic does not ensure that creditors get paid. This only causes more financial hardship for those who having difficulty. This company violated so many fair practices not to mention my constitutional rights. This puts my employment, credit, health, and family in jeopardy. This company has a history of aggressive behavior and no remorse for destroying anyones life.
08/02/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	OH 453XX	Web
Initially I sent a letter to XXXX XXXX to settle my XXXX Account, due to not being able to pay it. This was on XX/XX/XXXX, and then I faxed it to their collection department as well. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from Zwicker & Associates. So I sent a settlement letter to them. I tried to fax it and it did not go thru, as I learned today, I had wrong number. But when I spoke to Zwicker on XX/XX/XXXX, they gave me their supervisor 's email address XXXX to send an email authorizing them to speak with me. I did and then followed up with the settlement proposal I sent to them on XX/XX/XXXX. They advised me that XXXX XXXX has to approve this settlement and do not have to take my offer to them as it is under their quideline. In my initial conversation with them on XX/XX/XXXX I advised I increased my offer as I held back money for them due to the fact I did not know the balance. I explained to them I took out of my retirement and this is all I have due to the amount of debt, I tried to give everyone the same percentage. They threatened to sue me on that date and I questioned her on that and she said she is simply telling me that can sue me. I advised I am requesting they take my offer at that time was {$1500.00}. She refused and then I contacted XXXX XXXX again, and they advised that they could file a complaint if I wanted too, and I said no I just wanted to get this resolved. XX/XX/XXXX I spoke to Zwicker again, and got no where with them, and they have been at XXXX and can not come lower and will not take my offer to settle with what I have available to XXXX. XX/XX/XXXX, spoke to Zwicker again, and they repeatedly stated XXXX is bottom line, and I simply can't settle for this and asked them to please extend my offer to XXXX, again they state they do but this is what it is. XX/XX/XXXX, I called XXXX and they told me to send a letter to them explaining everything, which I did to their fax and outlined everything in it. She said to call back Zwicker again next day. I didn't as my conversation was not good with them on the XXXX, and I got aggravated and stressed out and I was not pleasant. So I decided I needed to let it set for a week. XX/XX/XXXX, I called and spoke to XXXX, and she checked with manager and said the best they could do was {$3300.00} ( I didn't catch last two numbers ) I said well that increased from the last time and she got off phone and came back and said XXXX and I said I can't I have the {$1700.00} that I have that I took from my retirement along with other money to pay off my debt. She said try to find money from other sources and the last time someone there told me to see if I can get it from family members ( this is not my family members debt and my father is XXXX years old and on social security ) I should not have got myself in this situation but I did and I thought I was doing the right thing instead of claiming bankruptcy by taking a loan out of my retirement to pay this off and reached settlements. I have been successful with this all but 3 accounts and this being one of them. Its frustrating, one the first person said they could sue me, and then for them to tell me to go get money from " other sources or family members '' is wrong, and finally if they are given an offer they should be required to take this offer to their client to see if they will accept. I specifically asked in my last conversation and in one other which she talked around the subject and this last one said they don't have to take anything under their bottom line. Not sure if this is true and I have done my research on Zwicker & Associates under the XXXX and I am not sure I can trust them anyways after reading this, but I want to resolve this and feel I have done what I can and when they refused to take my offer and the fact they threatened to sue me if I don't agree to their terms initially, that I'm at my wits end.
04/17/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	IL 629XX	Web
My name is XXXX involved in a debt suit with XXXX XXXX handled by Zwicker and Associates, PC. I do n't deny the debt exists as it was/is in my name. The charges that put it into it 's current state stemmed from my spouse while we, and are, separated and in the process of divorce. However, I have been able to work out arrangements with another creditor and my student loans without incident or going to court. There are debtor rights and I believe mine are being violated by Zwicker and Associates, PC. On Thursday, XX/XX/XXXX, I received notice that I am due in court to disclose assets and income. As well, I will have the right to declare exemptions to that income. That is set for XX/XX/XXXX. Part of the notice says in bold caps, " THE JUDGEMENT DEBTOR HAS THE RIGHT TO ASSERT STATUTORY EXEMPTIONS AGAINST CERTAIN INCOME OR ASSETS OF THE JUDGEMENT DEBTOR WHICH MAY NOT BE USED TO SATISFY THE JUDGEMENT IN THE AMOUNT STATED ABOVE : '' On Friday, XX/XX/XXXX a garnishment and freeze was put on my bank account without having had the hearing that will occur on XX/XX/XXXX. I received no notification of this garnishment, and on top of that, there was a {$100.00} fee associated with it from my bank. My account now sits at {$0.00}. I have been in the midst of separation and divorce for some time and have not lived with my spouse or XXXX for a year and a half. However, I still pay for their domicile, all their utilities, and maintenance support even though we are not officially divorced. She is on XXXX and has been since the XX/XX/XXXX 's due to having a XXXX. The money I use to pay for these things should be exempt as it will be seen as alimony and child support, but I have n't even had the chance to make that case. I called Zwicker & Associates to explained this situation. They said I needed to forward them the bills I pay and why I think those funds are exempt. I did so because I need to regain access to my account as soon as possible to pay their current set of bills, as well as ensure that my next paycheck gets deposited so I can continue doing so ; as well, start to budget what I can afford to pay XXXX XXXX. I sent them a number of bills and accounts with varying pieces of personal information they should n't have the right to have just so I can regain access to the account I never should have lost. My separated spouse 's HIPAA rights are also in jeopardy as I 've had to disclose some of her health information so that the law firm understands the severity and implications of freezing the account without notice. Again, the hearing is XX/XX/XXXX. How is it that my account can be frozen and garnished before I even have the hearing to establish what my assets and income are? I was not even notified that my account was in jeopardy. I only found out because I had my son for the day and I was trying to buy him lunch, only to have my debit card denied. I do not and have not lived with my separated spouse or my XXXX and if she has to use any of her XXXX income to pay for these items, her health will be at risk as she wo n't have money to pay for her own medications and living accommodations, including travel for doctor visits. This is a major priority. I still have not heard about the status of my account after two phone calls and two e-mails. I can not wait until XX/XX/XXXX to have access to that account. I live paycheck to paycheck as it stands. I do n't even have access to get gas to go to work. This is worsening the problem of me being able to pay them at all. I am trying to be a responsible parent, ex-spouse, and debtor, but Zwicker and Associates is making the problem worse for myself, my XXXX and his mom, and ultimately, them. I have a XXXX in XXXX and had good credit up until this point. Please help me to find solutions to this dilemma and help end this dishonest practice
05/04/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	FL XXXXX	Web	Older American, Servicemember
State Of Florida Case Number ; XXXX Division XXXX Plaintiff ; Zwicker & Associates XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ; XXXX XXXX XXXX XXXX, Florida XXXX XXXXXXXX XXXX XXXX own policy cited on their webpage, as follows ; " XXXX offers forbearance and loan forgiveness in the event of the primary borrower 's death or permanent XXXX. '' XXXX is willfully in violation of their own formal loan forgiveness policies attempting to forcefully collect on exempted funds by State of Florida Statute and Federally exempt VA veteran XXXX and Social Security Retirement law. And refusing to acknowledge the fact that the card holder/defendant is a Veteran Administration100 % permanent and total XXXX war veteran outpatient since XX/XX/XXXX. The courts and XXXX 's attorney in a timely manner were supplied with printed documentation evidence as proof of permanently XXXX status which was blacked out of all court and civil procedures. And criminally disregarded by all involved to date causing compounded pathological injuries to a 100 % XXXX outpatient with intent to induce further trauma.. Many attempts have been made to XXXX XXXX XXXX XXXX to clarify demand to collect upon " exempt '' XXXX Veteran Benefit and minimal Social Security Retirement benefits living singe, age XXXX, XXXX XXXX, month to month. Any and all defense documentation in XXXX XXXX XXXX XXXX XXXX XXXX was verbally and technically dismissed by the judges involved blacking out the compelling fact the defendant was a Veteran Administration 100 % rated XXXX war veteran and not acknowledging sole source income was " exempt '' from collections by Federal and State of Florida Statutes previously cited here. XXXX refuses to uphold their own loan forgiveness policy cited on their own internet page as follows : " XXXX offers forbearance and loan forgiveness in the event of the primary borrower 's death or permanent XXXX. '' As a 100 % rated XXXX service connected permanently XXXX war veteran surviving on diminished benefits since XX/XX/2010 XXXX is obligated to recognize their own policies and formally dismiss and withdraw XXXX XXXX Florida XXXX XXXX demand to evade arrest for ongoing perpetrated criminal violations administered against a 100 % Permanently XXXX war veteran and do so without further delay. XXXX 's CFPB agent " XXXX '' who responds to CFBP promised no further cooperation with CFPB complaints will be entertained as she determined their collections methods were legitimate when the fact exposes the contrary as they continue with willful criminal intent against XXXX 's own formal polices. Also noting the original terms of the two party credit card application agreement became null and void when XXXX 's Attorney modified and altered the XXXX party unsecured loan contract into a single party defeating the terms of the original contract in an attempt to convert a unsecured loan XXXX party agreement causing the contract null and void and dismissible in court. In trial ZOOM when all the defendant 's motions and documents were suddenly and verbally dismissed as to conceal in an unorthodox overbearing procedure whereas exempt income and XXXX status was obscured causing a non-jurisprudent decision perhaps pre-biased XXXX XXXX XXXX XXXX. And again in Final Judgment all defense documents were " blacked '' out and rendered obscure by XXXX XXXX XXXX. In both instances while defendant appeared on time the trials were treated equivocal to a default " no show '' judgement for the plaintiff in error. Exemption of XXXX Income XXXX income benefits under any XXXX insurance policy are exempt from collection under Section 222.18 of the Florida Statutes. The exemption includes health, life, and accident XXXX insurance proceeds.
07/28/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33196	Web
My name is XXXX : XXXX XXXX an agent and representative for principal XXXX XXXX, a federally protected consumer, holder in due course and attorney in fact. I am making this complaint against Zwicker & Associates, P.C. for engaging in abusive deceptive and unfair debt collection practices. Zwicker & Associates, P.C. was sent to engage in these unlawful extortionate means to collect on an extension of credit by XXXXXXXX XXXX XXXX XXXX has violated my right to privacy by disclosing my nonpublic personal information to an unauthorized third party without my lawful consent. XXXXXXXX XXXX infringed my right to privacy and compromised the security and confidentiality of my nonpublic personal information on multiple occurrences with forethought and malice as a means of bringing substantial harm to me and my financial reputation. I would like to know whats the status if this account and if a 1099-C was filed for this account. Also note that if your company has filled out a 1099-C form and its continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies, or pursuing litigation, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. I would also like to know if either Chief Executive Officer XXXX XXXX XXXX or Chief Financial Officer XXXX XXXX XXXX will be present for this court case to speak on behalf of the racketeering activity that is being committed by XXXXXXXX XXXX. I am aware that Zwicker & Associates, P.C. is an unauthorized third party in this matter. I never contracted with Zwicker & Associates, P.C. and they have no lawful authority to be in possession of my identifying information. I also want to make clear that Zwicker & Associates, P.C. has no actual first-hand knowledge of the matter at hand and are strictly acting off hearsay. I have reason to believe that Zwicker & Associates, P.C. is not in possession of any substantiating evidence to lay claim to this alleged debt that they are attempting to collect using unlawful extortionate means. If XXXXXXXX XXXX can provide me with proof of claim for this alleged debt, such as the original instrument of indebtedness in its original form and the accounting for credit account ending in XXXX, Id gladly make arrangements to settle this account in full. I am aware that billing Statements/proof of address are not proof of claim. If XXXXXXXX XXXX refuses to produce any documentary evidence as defined under 15 U.S. Code 44, I will thereafter consider this matter between us to have been legally and financial settled. Upon the refusal to produce this documentary evidence I am also demanding that all fraudulently reported negative information is deleted and updated to paid as agreed from all credit reporting agencies immediately to prevent further harm to my financial reputation. If the requested information is not provided and Zwicker & Associates, P.C. continues their unlawful collection efforts, Zwicker & Associates, P.C. shall be held criminally liable for aggravated identity theft and violating 18 U.S. Code 894 for using unlawful extortionate means in the collection of an extension of credit. I would also need the name and address of Zwicker & Associates, P.C. binding agent in case a suit needs to be filed in Federal Court for these abusive, deceptive, and unfair debt collection practices.
07/06/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CO 809XX	Web
This complaint is specifically against Zwicker & Associates, P.C., Attorneys at Law. Located at XXXX XXXX XXXX, XXXX, MA, XXXX. Tel : XXXX XXXX XXXX XXXX On XX/XX/2020 I contacted Zwicker & Associates, P.C. to arrange a settlement for my debt in the amount of {$3300.00}. This was agreed to be paid by XX/XX/2020. I requested a copy of the settlement letter in writing to be sent to me. Zwicker & Associates, P.C. agreed to mail me a letter. On XX/XX/2020 I still had not received the settlement offer in writing and contacted their office. I spoke with XXXX XXXX who said they were notable to mail any letters because they were not working in the office due to COVID-19. I explained to them that the previous conversation on XX/XX/2020 indicated only that the settlement letter would be mailed and no mention of not being able to mail a letter was ever relayed to me. They then told me they could only fax a letter to me and forced me to create an online fax number in order to receive the settlement offer. I've had multiple other places email me letters or mail hard copies, even during COVID-19, and Zwicker & Associates, P.C. refused to email me a letter or put a letter in the mail. They forced me to get a fax number. On XX/XX/2020 I mailed a check with a copy of the settlement letter to Zwicker & Associates, P.C. to their address at XXXX XXXX XXXX, XXXX, MA XXXX. The check was never cashed. On XX/XX/2020 I received a letter back from Zwicker & Associates, P.C. stating my check was being returned uncashed " per management '' with no other explanation. Also on this letter it states that any attachments sent with my check would be returned with it. I sent this check with a copy of the settlement letter and this was not returned. Also stated on this letter is " Colorado Residents : please read important notice on the back of this letter. '' There was no notice on the back of the letter. I believe Zwicker & Associates, P.C. has broken a law by not informing me of my rights as a Colorado resident. I called their office again on XX/XX/2020 to find out why they refused to honor the agreed upon settlement. I was told they can't accept anything which states " paid in full. '' My check does not say " paid in full. '' In the memo field I put the File ID #. Also, if they have stipulations against words on a check they need to specify that in the settlement agreement letter. Supposedly, according to XXXX XXXX, manager at Zwicker & Associates, P.C., a letter will be sent to me today stating they will honor the settlement agreement for {$3300.00} to be paid by XXXX, XXXX, 2020. I do not expect them to follow through with this in enough time for me to actually pay this debt according to the settlement amount. They have continuously created barriers to keep me from paying this debt per the settlement terms. They are essentially forcing me to remain in debt even though I have made every effort to settle this debt with them. I have followed through with my end of the settlement and they continue to disregard the agreed upon settlement and force me to fight with them. This is abuse. Forcing me to continue to deal with this after submitting a payment per the agreed upon terms for more than a month is abuse. They should not be allowed to abuse people, especially not when someone has made every effort to fulfill the terms of the settlement.
08/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30087	Web	Servicemember
Subject : Request for Investigation and Resolution of Inaccurate Reporting and Violations by XXXX XXXX and Zwicker & Associates Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring a matter of significant concern to your attention regarding inaccurate reporting and potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am facing serious issues with XXXX XXXX and Zwicker & Associates, which have resulted in financial and credit reporting discrepancies that require immediate attention and resolution. In XX/XX/XXXX, I entered into a payment arrangement with Zwicker & Associates to settle my debt. As per the agreed arrangement, I began making payments of {$500.00} per month, and later set up autopay as confirmed in the letter I received from them. However, in XX/XX/XXXX, I noticed that neither the payment for XXXX nor XXXX had been deducted from my account. Consequently, I manually made the payment for XXXX. Further complications arose when I discovered that two unauthorized payments were debited from my account in XX/XX/XXXX, totaling {$2100.00}. This exceeded the agreed-upon amount of {$7900.00}, causing an overpayment of {$2600.00}. Despite my diligent efforts to complete the payment arrangement, these discrepancies remained unresolved. Furthermore, Zwicker & Associates demanded an additional payment of {$2100.00}, claiming that I could avoid further collection efforts and settle the judgment for less than the amount owed. This demand contradicted the initial payment arrangement and only added to the confusion and distress. Additionally, XXXX XXXX and Zwicker & Associates have inaccurately reported my account as " Closed '' and " Late '' on my credit report, causing substantial negative impacts on my creditworthiness. This inaccurate reporting violates both the FDCPA ( 15 USC 1692K ) and the FCRA ( 15 USC 16810 ). I have attached relevant correspondence, including the letter confirming the autopay arrangement and the unauthorized payment withdrawals, to support my claims. Despite my numerous attempts to rectify the situation by contacting both XXXX XXXX and Zwicker & Associates, no resolution has been reached. I am now reaching out to the Consumer Financial Protection Bureau to request your intervention and assistance in resolving this matter promptly and fairly. I kindly request the following actions : Investigate the inaccuracies and violations in reporting by XXXX XXXX and Zwicker & Associates. Ensure that any overpayment is accounted for and appropriately adjusted. Require XXXX XXXX and Zwicker & Associates to provide a letter of completion and correct the inaccurate reporting on my credit report. Address the discrepancies in the payment arrangement and resolve any undue financial burden placed on me. Your assistance in resolving this issue is greatly appreciated. I eagerly await your response and the steps you will take to rectify these violations and restore the accuracy of my credit report. I have attached the letter from XXXX XXXX Response letter to the concerns I was having with Zwicker & Associates dated XXXX XXXX, email the Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX
05/23/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IN 46226	Web
XXXX violated their arbitration clause. XXXX put an arbitration clause in their contract that they did n't honor and then tries to continue the lawsuit against me after the arbitration was dismissed by XXXX . O n XXXX XXXX XXXX , Zwicker & Asscociates PC on behalf of XXXX XXXX filed a claim in Small Claims Court against me for approximately {$3500.00}. Zwicker & Associates hired local attorneys XXXX and XXXX to r epresent XXXX XXXX . XXXX XXXX XXXX , I filed a Motion to compel Arbitration. XXXX XXXX XXXX , the Court Ruled. Ruling states, Arbitration filed with XXXX ( # XXXX ) ; Matter continued indefinitely in order for Arbitration process to complete. Documentation attached. XXXX XXXX , Counsel for XXXX files a request for another hearing on the Motion to Compel Arbitration. Arbitration was ruled and agreed on XXXX XXXX XXXX . On or about XXXX XXXX XXXX , I received a letter fro m XXXX and XXXX c/o XXXX stating their client may be willing to discuss settling the matter at a reduced amount. They states arbitration is " very expensive. '' XXXX XXXX XXXX , XXXX closed the case. Case terminated because XXXX failed to pay and participate in Arbitration. XXXX XXXX XXXX , a Motion for Joint Stipulation f or Substitution of Counsel was filed. XXXX and XXXX was no longer representing XXXX and Zwicker & Associates. Year Later , XXXX XXXX XXXX , Zwicker & Associates files a motion to return case to active docket. Zwicker & Associates KNOWINGLY FILES A FALSE STATEMENT WITH THE COURT. Zwicker states, As of XXXX / XXXX / XXXX , Defendant failed to pay required Arbitration fees, and the case was terminated by the XXXX XXXX ( XXXX ). THIS IS COMPLETELY FALSE, PLEASE SEE ATTACH DOCUMENTS FROM XXXX . The Plainti ff ( Respondent ) w ho is XXXX failed to pay case management fee. XXXX sent the counsel for XXXX several letters requesting payment but they failed to respond. XXXX XXXX XXXX , Court dismisses case without prejudice. Judge writes t he following Plaintiff admits to failing to pay arbitration fee causing closure of arbitration process. Def. requests dismissal for failure on plaintiff 's part. Court grants defendant 's request for dismissal. Parties were ordered to arbitration and that has not occurred by no fault of defendant leaving this open on her credit history is unduly prejudicial. XXXX XXXX XXXX , Zwicker & Associates c/o XXXX files a motion to vacate dismissal to refile a new arbitration case since the first one can t be re-opened. Zwicker & Associates c/o XXXX failed to send me a copy of their motion to vacate dismissal, therefore, I was not able to write an opposition to their motion because I was not aware of it.
04/26/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NC 270XX	Web
In XXXX, while living in XXXX, GA, I was contacted about a debt by the law firm of Zwicker and associates ( XXXX ), with whom I set up a payment arrangement. The original debt balance was {$5600.00}. I contacted XXXX XXXX who informed me that the debt had gone to collections and they had no further information. The paralegal at Zwicker with whom I spoke told me after I had made a couple of payments that because of COVID XXXX XXXX ( the debtor ) was suspending payments and probably dismissing them in light of financial hardships. I was told that Zwicker would notify me when or if payments would resume. I have since moved to North Carolina. Approximately a year later in XXXX I was served with a notice that a judgement had been found against me. I was given no notice that this was considered and it was a complete surprise. I tried contacting Zwicker and was given a run around without any one person explaining why or how a judgement could be placed against me without any notification or offer to begin repayment. Since then, I had not had any further contact from Zwicker until XXXX of XXXX when I checked my bank account and found that both my savings and checking accounts had been emptied and a hold was placed on my account. I contacted my bank who notified me that Zwicker had slammed my account, garnished my monies and placed a hold on the account. They could give me no further information and told me to contact Zwicker. When I called Zwicker, they told me that it was a legal hold and that I needed to talk to my bank. They also told me that they were unable to contact me which is funny since they were easily able to access my bank records. Further, I am not in hiding and my location is easy to determine. My issue its that Zwicker acted unscrupulously and without warning or notification after an extended time of no action to wipe out my entire savings and checking. I was given no notice that any action would be taken and since such an extended period had gone by without any action or notification, I had forgotten about the issue and assumed that the debt had been forgiven, as many credit card debts were at the time. To restate, Zwicker had told me that XXXX XXXX was suspending payments and might forgive the debt do to the economic hardships caused by COVID. They told me that they would contact me at a later date regarding the status of the debt, which they never did. Almost three years later, they wiped my account clean without any warning or notification and froze my accounts. Since I had several automatic payments tied to my checking account, this put me in greater jeopardy. I have since learned that Zwicker and associates routinely acts in this manner without regard to the impact on my life and is regarded as one of the most unscrupulous firms in the business.
04/04/2017	Yes	Credit card	Payoff process	NY 11218	Web
I would like to re-address this complain because the law firm Zwicker and associates has tried the same con again this year after we discussed in details a year ago regarding my monthly payment for XXXX XXXX as according the settlement. When this was first address when they did not want to honor the settlement, then they said they would and tried create a situation where I defaulted on my payments intentionally which is false from the time of the settlement I honor the agreement and made all payments. I received a default letter from the XXXX Court of the XXXX on Friday XXXX XXXX, 2017 advising I would be in default if a payment was not received in 10 days. This was first and only contact I received from zwicker and associates regarding my payment. I never received a letter stating I need to setup a new payment schedule prior to the letter from the court. I was advised their system can not setup payment for over 12 month no explains was given is this my fault? I wanted to setup monthly payment for the remaining settlement because zwicker and associates have tried in the past to change the rules and the settlement in attempt to used scare tactic against me. This default letter is prime example of the tactic they use to not honor the settlement from the courts. I contact them on XXXX/XXXX/2017 explaining the situation and they did not want to address it, however I agree to setup new payments. When speaking to several of their representative they all did not see the settlement amount XXXX in their system and was not sure why and was also confused. They only see the original amount of the debit from XXXX. The amount owes as of date from the settlement is XXXX XXXX. On XXXX/XXXX/2017 I paid a payment over the phone electronically for XXXX XXXX confirmation number is XXXX, and setup payments for XXXX for the next 11 months which would finalized the settlement amount. However the representative told me to contact zwicker and associates to check on this because they do not see the settlement amount it the system, but they have statement previously they would honor. I do not trust this company and they have many complaint filed against, and have lied and misinformation me on several occasions not sure why they are able to continue to operation as a legitimate organization. I am contact XXXX and filing a complaint with BBB and contact XXXX for misrepresentation and other issues on this matter. I tried my best to work with Zwicker and associates in a professional manner and I feel I have not received the same treatment something needs to be done to protect other from this kind of treatment. I am also consulting with New York lawyer to see what or in any thing be done to protect me and family from them I fear there will try and damage my family going forward.
01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 79720	Web
My name is XXXX XXXX XXXX My Social Security Number is XXXX My date of birth is XX/XX/XXXX My son 's name is XXXX XXXX XXXX My son 's Social Security Number is unknown to me My son 's date of birth is XX/XX/XXXX BOTH my son and myself are being incorrectly reported for thousands in delinquent debt after the lender XXXX XXXX XXXX settled the account and agreed it was paid in full with a lump sum payment of XXXX XXXX. Our XXXXXXXX XXXX XXXX account numbers and balances in question, are as follows : XXXX XXXX Account number ending in XXXX, Attorney file ID XXXX, full account balance {$29000.00}, XXXX XXXX agreed lump sum settlement amount {$20000.00} XXXX XXXX Account number ending in XXXX, Attorney file ID XXXX, full account balance {$13000.00}, XXXX XXXX agreed lump sum settlement amount {$9200.00} XXXX XXXX Account number ending in XXXX, Attorney file ID XXXX, full account balance {$5300.00}, XXXX XXXX agreed lump sum settlement amount {$3700.00} Settlement offer letters and acknowledgement of settlement received from XXXX XXXX Attorney are attachments. Description of problem : I am a signatory on student loans for my son. There are three loans. I paid off the balance of all three loans using a negotiated lump sum payment. XXXX XXXX XXXX agreed to accept a XXXX XXXX lump sum payment as satisfaction in full of the debt. This agreement was made through the attorney XXXX XXXX XXXX asked us to deal with, rather than direct with XXXX XXXX XXXX. The attorney that agreed to the lump sum settlement payment is Zwicker & Associates, PC. The address of the office servicing this account for Zwicker & Associates is XXXX XXXX XXXX, XXXX MA XXXX. The telephone number for that office is XXXX. XXXX agreed to remove negative credit reports and report the three accounts as paid in full. The settlement payment by me was in the form of three bank checks from XXXX XXXX made to Zwicker and Associates, with the account numbers written on the checks. The checks were mailed in XX/XX/XXXX, and the official settlement date is XX/XX/XXXX when XXXX received and deposited the three checks. On XX/XX/XXXX XXXX reported my account as a XXXX balance, delinquent, and a chargeoff, in violation of their agreement with me. We discovered the error in XXXX and contacted both XXXX and the Attorney on XX/XX/XXXX. XXXX subsequently removed the negative report and simply reported the account as closed and settled, with a XXXX outstanding balance. That correction was confirmed on my next credit report I checked on XX/XX/XXXX. XXXX again reported me delinquent, the account as not settled and a chargeoff, which I discovered on XX/XX/XXXX. Once again this violates the agreement XXXX made to consider my debt satisfied in full.
03/03/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	FL 34652	Web
I received a IRS tax refund on XXXX for {$8800.00} ; plus {$470.00} for my boyfriend 's tax refund as well as our regular paychecks on XX/XX/24 ( which gets deposited for both of us every 2 weeks ). Everything was fine but then on XXXX ( one day after the refund was given ) my ENTIRE account was emptied out without consent or notification. They withdrew all the money out of my checkings and savings account in the total amount of {$8900.00} and even charged a {$55.00} " legal fee ''. I HAD NO IDEA THIS WAS HAPPENING MY BANK DIDNT CONTACT ME OR THE LAW FIRM THAT GARNISHED ALL MY MONEY. I called XXXX XXXX and they basically told me this is a legal matter and gave me the number to the law firm Zwicker and Associates at XXXX office XXXX and wouldnt let me speak to the legal department or fraud department. They told me that this firm has money and that I have to call them and left me high and dry. So this morning I have been trying to get in contact with this law firm ( which has legal action against me without any notification by phone, email or mail- this account with XXXX is over 10 years old and they have NEVER contacted me or garnished any of my paychecks before. I called them and spoke with several different offices and kept being referred back to the XXXX ( XXXX XXXX ) BUT NO ONE PICKS UP THE PHONE THERE- it says the extension XXXX does not subscribe to this service when you try to get to an operator it says the number can not be reached from this service and hangs up. SO at this point, I have NO IDEA WHO TOOK MY MONEY OUT OF MY ACCOUNT OR WHY- this debt. with XXXX is over 10 years old and they don't even have the correct information on me which is probably why I never received anything and they ZEROED out my account to the last penny!!! My bank just let this all happen- did not contact me as well. When I called, 2 agents told me I gave consent for this ( which I definitely did NOT because I didn't even know this was happening never recieved any documentation from the law firm or bank NOTHING ) So at this point I have no money and no way to get it back. I just had a baby and that was what the tax refund was for and now it is all completely gone and XXXX XXXX let it happen!! Also the debt with XXXX was way less than they took from my account by over XXXX dollars!!! They left me with completely nothing and isn't it required by law that they leave at least 25 % of your wages in your account when garnishing ( if this was even legal )? I tried to explain this to the bank and they said that they can take my money without my consent and that they now have your money so call them! Which is why I am filing this complaint.
07/10/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CO 80229	Web	Servicemember
I am in the process of resolving all of my credit card debt. I employed XXXX XXXX XXXX to mediate the process. I make consistent monthly payments so that they can negotiate repayment of my credit card debt. On the outset, I was told XXXX XXXX do not settle debt. Therefore, I am not disputing my balance with XXXX. I am willing to pay what I owe to them. I was summons to court by Zwicker & Associates, P.C. regarding the {$3200.00} past due balance I owe XXXX. My court date was XX/XX/XXXX at XXXX XXXX. I checked in with the clerk at XXXX XXXX. By XXXX I was n't I proceeded to checkin with the clerk again and was told Zwicker entered a default judgment against me because I did not appear in court. That is a false statement. The ourselves did not call my name to discuss a resolution. The day prior to my court date, a arranged with XXXX or Zwicker collection department to make a {$300.00} payment on-demand and recurring $ 300 monthly installments via ACH through XX/XX/XXXX. The last debit from my bank account will be {$230.00} on XX/XX/XXXX ( confirmation # XXXX ). I called Zwicker & Associates office back to 1 ) inform them of the repayment arrangement and 2 ) to verify whether a court appearance would be necessary. Zwicker 's refused to verify my payment arrangement except to say they can not give legal advise. I feel deceived and harassed by Zwicker & Accociate. After the clerk tried to call the counsel to return because I was in fact in the courtroom on XX/XX/XXXX she would not return ; however she entered a default judgment against me. I received another summons to appear in court - a continued return date on Friday, XX/XX/XXXX at XXXX. Zwicker another cost of XXXX in addition to the $ XXXX monthly installment agreement between Zwicker Debt Collection staff and me on XX/XX/XXXX. I am willing to repay the debt I owe. I hired XXXX XXXX XXXX to assist me so that I can avoid numerous calls from creditors at my home. It is a huge inconvenience to me to travel miles to court and miss a half day of work because the collection agency refuse to verify and perform due diligence on this account in which I plan to pay XXXX the entire past due balance. The collection practices appears to be unfair, deceptive, misleading and abusive. Can someone help me with this matter? I attached documentation that refects Zwicker 's deceptive abusive practices along with payments they debited from my bank account {$600.00} to-date. The statement in Zwicker 1 attachment is not true. I was in the courtroom 15 minutes prior to my appointed time. The Counsel did not call for me and proceeded to file a judgment against me.
08/22/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 32073	Web	Servicemember
1. I sent a money order to Zwicker and Associates for {$300.00} that was received on XXXX. Zwicker mis-routed the money order and paid someones account for XXXX. 2. I made numerous phone calls, which I didn't document at the time to get it resolved. They eventually discovered that they had sent my money to the wrong account instead of my XXXX bill. I then XXXX overseas in XX/XX/2020 to XXXX and my father continued to follow up on the issue. He has a Power of Attorney to conduct business on my behalf. All the subsequent actions after this were conducted by my father while he kept me apprised of his progress. 3. Called the morning of XXXX. I ( father ) talked to the XXXX side representative who told me that I had to talk to XXXX directly. I called XXXX who told that I needed to talk to Zwicker as they had not received the {$300.00} mis-directed payment for XXXX account. I called Zwicker back at XXXX and talked to someone with Zwicker. He had just received an e-mail at XXXX saying that a {$300.00} refund was requested to be sent to XXXX. 4. I called on XXXX and talked to a XXXX manager XXXX XXXX. She told me that she would talk to the person who was handling the account as the refund was never sent to XXXX. She said that she would talk to her boss. 5. I called again on XXXX and talked to XXXX XXXX who said that she had sent an e-mail on XXXX to XXXX XXXX, a Zwicker manager who had previously been handling the issue, and to the person currently handling the account. She said that she had not received an answer back yet. I asked her if she had talked to her boss yet and she said that she hadnt. 6. I called on XXXX and talked to XXXX XXXX. She said that XXXX had sent them a check but that they couldnt find it. Zwicker requested the check number from XXXX. I proposed that Zwicker pay us the {$300.00} and then they could pursue the issue with XXXX. XXXX said she wasnt authorized to do that and that she had to talk to her boss. She said that her boss had left for the day when I asked her to talk to him. I then requested that she talk to him about my proposal. 7. I called on XXXX to talk to XXXX but she wasnt available so I talked to XXXX XXXX. She said that internal correspondence on XXXX indicated that the check was authorized to be sent directly to me from XXXX. She expected it to arrive no later than XXXX. She requested that I inform her when the check arrived. The check has never arrived. 8. On XXXX I filed a XXXX XXXX XXXX complaint in XXXX name. The complaint number is XXXX. Ive not heard from the XXXX as of XXXX.
01/21/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	TX 75093	Web
I received a citation/lawsuit threat from a company I have never heard of or dealt with named Zwicker & Associates. They have not contacted me before now but yet claim they are suing as XXXX XXXX. XXXX XXXX informed me that they charged off the debt in XXXX XXXX. My husband was speaking with a company known as XXXX and negotiated a settlement with them in XXXX XXXX for the debt they had purchased from XXXX. I 'm not sure why this other company says they are now DBA XXXX XXXX - or if they are even affiliated with XXXX XXXX. They sent a plain clothes man to my house after XXXX on XXXX/XXXX/XXXX. He looked through my window and waved at me which I found quite disturbing, considering that it 's just me, my elderly mom and kids left at home. I cracked the door and he said he had something for XXXX XXXX. I thought he was dropping off something for my ill XXXX year old mother ( named XXXX XXXX - who I am caring for ) but then I saw that it in fact had my name on it, and it was referencing collecting for XXXX - and not the $ XXXX settlement that my husband negotiated in XXXX with XXXX , but an amount exceeding {$20000.00}. I knew that XXXX ( my late husband who died suddenly last XXXX ) had negotiated with XXXX years earlier. A search through his office files shows notes and a check copy to XXXX - not this " Zwicker & Associates ''. I have not been contacted by XXXX or XXXX since he settled the debt in XXXX. I assume XXXX bought the charged off debt from XXXX in XXXX of XXXX. Did XXXX or XXXX " sell '' this account AGAIN to another debt collector?? If so, who has the $ XXXX of the original settlement from 2 years ago? Does this company know of my husband 's sudden death and now they are trying to threaten me into double paying it because my husband 's last name is n't on it? I am a new widow with XXXX young sons to raise, huge bills, IRS installment payments from my late husband 's now defunct business ( which died with him ). I can not afford to hire an attorney to fight a threat that has no explanation or details attached to it, or accountability on the part of XXXX or this " Zwicker & Associates ''. There are a ton of complaints and legal issues online all against Zwicker & Associates, so I do n't know if they are legitimate or a scam. What are my rights to protect my family? I do n't understand how companies can legally file a suit or judgement against a person without ever contacting them before, let alone having no proof of a claim. Can you please help me or direct me to someone who can?
04/23/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IN 46226	Web
XXXX XXXXk and Zwicker & Associates tried to collect a debt that was beyond the statue of limitations and forced me into a second arbitration after XXXX defaulted in the first arbitration. " XXXX 's dilatory conduct resulted in unnecessarily lengthy cloud over my credit history. XX/XX/XXXX, XXXX filed a claim against me in small claims court. XX/XX/XXXX, case went into arbitration. 1. XXXX XXXX failed to pay arbitration fees. XXXX XXXX XXXX made several attempts to collect arbitration fees. XX/XX/XXXX, XXXX warned the parties that if fees were not paid in 30 days, they would assume that XXXX is not interested in pursuing arbitration. On XX/XX/XXXX, the case was closed by XXXX XXXX XXXX. This was a breach of XXXX 's contract agreement. 2. XX/XX/XXXX, XXXX filed a motion to return case to active docket. " XXXX ( wrongly ) alleged that I failed to pay fee. One of the misstatements. 3. XX/XX/XXXX, XXXX the case was dismissed without prejudice. The court stated leaving this open on my credit history is unduly prejudice. 4. XXXXXXXX, XXXX, XXXX filed motion to vacate the dismissal knowing the statue of limitation had passed ( see page 4 of 13, # 4 ). XXXX asked to stay the case knowing they were in default for failure to pay therefore XXXX wasn't entitled to a stay ( see page 12 of 13, sect 24 ). 5. XX/XX/XXXX, XXXX filed a 2nd arbitration. 6. I filed several motions to dismiss case with prejudice. 7. XX/XX/XXXX, I was forced to arbitrate ( the second arbitration ). XXXX never supplied me with documentation of the alleged debt and told the arbitrator they did not give me a copy. I told the arbitrator the statue of limitation had passed. The Arbitrator still ruled against me. 8. I filed an appeal in the Court of Appeals of Indiana. I won my case on appeal. The Appeal Court stated the Small Claims Court had abused its discretion by granting XXXX 's motion and reinstating the action against me three years after the complaint had been filed and 2 years after the matter had bent sent to arbitration. 9. The Appeal Court stated, " XXXX 's dilatory conduct resulted in unnecessarily lengthy cloud over XXXX 's credit history. '' " In it's motion to set aside the dismissal, XXXX offered no explanation for its inaction and no good cause for reinstatement. '' 10. XXXX and Zwicker & Associates clearly violated the FDCPA and FCRA I am attaching the Court of Appeal Opinion and the remanded ruling from the Small Claim Court. .
09/29/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 90270	Web
In XX/XX/XXXX, I contacted zwicker and associates to resolve a debt I had with an old XXXX card. It was agreed that I would make XXXX payments of {$1000.00} every month, starting XX/XX/XXXX. However, zwicker and associates stated that their system only allows 12 months of automatic payments and I would have to call back in XX/XX/XXXX to set up last XXXX payments. I attempted to contact the same representative twice on XX/XX/XXXX and was told that she was not available. In XXXX I spoke with another representative who stated that its impossible to find that original representative because of the way their phone system is made so she offered to help me set up the XXXX remaining payments. I told her that since its now XXXX, can the final payments be XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. She said yes, she set up the plan and transferred to Support who would take my bank information. Once I was transferred, Support said that what he has on file is XXXX payments, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I told him that this was not the arrangement made. He said that he would transfer me back to the representative however after several minutes he said that he could not locate her and transferred me to another person. This new person said something completely different. She said that I couldnt make XXXX payments starting XX/XX/XXXX. She said my final payment could not be XX/XX/XXXX. She said that I had to make XXXX payments in XXXX and the final XX/XX/XXXX. I asked why when the previous person said I could. She said that in her computer system she does not see the payment arrangement made by the previous representative and that the previous representative only put down that I missed a payment. Both of these representatives are lying. The payments arrangement had to be in the computer because when the previous representative transferred me to Support that representative had it in his computer system. Why did it all of a sudden disappear from the computer system. Further, I told the representative that I am aware that phone calls are recorded. That her manager could go back and listen the call. But she was pushy and insistent that I needed to make a payment. So I only agreed on the XX/XX/XXXX payment and said I would call back and I also said I wanted to file a complaint and a resolution. She said a resolution could not be met.
06/29/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	NJ 08060	Web
Dear Sir/Madam, I am writing to you to lodge a formal complaint against Zwicker and Associates regarding their detrimental impact on my financial well-being and overall quality of life. The actions taken by your company have resulted in significant hardships, including threats of legal action and potential damage to my credit score. I strongly believe that these actions are not only in violation of consumer protection laws and regulations but also constitute illegal practices, such as the unauthorized purchase and resale of my debt without any proof of my agreement to such obligations. It is imperative that your company provides conclusive evidence demonstrating my consent to the acquisition and subsequent resale of my debt. The absence of any record of my agreement renders this process completely illegal. I demand transparency in this matter and an immediate cessation of any attempts to resell the aforementioned debt back to me. Moreover, I am appalled by the threats your company has made, including threats of legal action and adverse effects on my credit. These actions not only violate consumer laws but also disregard ethical practices expected from a reputable organization. The following is an overview of the laws and codes that your company has blatantly violated : Violation of Consumer Laws and Codes : a. Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 et seq. ] : Your company 's actions, including threats of legal action and credit damage, violate the FDCPA, which protects consumers from abusive debt collection practices. b. Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ] : By reporting inaccurate and unjustified negative information on my credit report, your company has violated the FCRA, which mandates fair and accurate credit reporting. c. New Jersey Fair Credit Reporting Act [ N.J.S.A. 56:11-33 et seq. ] : Your actions are also in violation of the New Jersey Fair Credit Reporting Act, which safeguards consumers from unfair and inaccurate credit reporting practices. I kindly request that you thoroughly investigate the details outlined in this complaint and take immediate steps to rectify the situation. Furthermore, I expect you to promptly provide a written response acknowledging the receipt of this complaint and informing me of the actions your company intends to take to address the issues raised herein.
10/01/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 33455	Web
Mid XX/XX/XXXX : I spoke w/ a rep. of Zwicker and Associates , regarding alleged debt to XXXX XXXX. I was told that I could settle for $ XXXX/month with a 3 year payoff or, a single lump payment of {$7900.00}. I told them that I couldn't afford that. I never confirmed that I actually owed the amount they stated. Out of good faith, I sent them a check for {$100.00} on XX/XX/XXXX and {$75.00} on XX/XX/XXXX. On XX/XX/XXXX, I was served with a summons. I was also informed by the summoner that I didn't have to appear in court and had 20 days to file an answer. On XX/XX/XXXX, I spoke with the Zwicker representative again. My friend, XXXX XXXX participated in the conversation over speaker phone as she did in the mid- XXXX conversation. She asked if I had to pay any of the costs to bring this to court if I settled this now. The woman said, there would be no fees. I agreed to pay $ XXXX/month for 36 months beginning on XX/XX/XXXX, although I couldn't afford it and had no proof that the debt was mine, because I was afraid of going to court. There was never mention of more payments after the $ XXXX/36-month agreement. Since I had no idea what charges were mine on the account since my wife of 12 years abandoned me a year ago, and took all paperwork, XXXX and I asked for a breakdown of all the charges to review. I received the balance summary of each month, which we spoke of, but never the breakdown that we explained I needed, to see the charges and review if there were fraudulent charges listed.I was told if I had a problem paying the {$300.00} just to call. We also called back the next day, XX/XX/XXXX, to confirm the arrangement. The $ XXXX/36 month payment was quoted due on XX/XX/XXXX. No other fees or amounts due was mentioned in that conversation either. I filed an answer with the court on XX/XX/XXXX with the verbal agreement included in the answer.The stipulation arrived via email on XX/XX/XXXX The stipulation states {$300.00} for 36 months, plus an additional {$320.00} each month on or before XX/XX/XXXX until the principal some of {$12000.00} is paid to settle the case in full. Additional attorney 's fees of {$420.00} is now also added to the amount owed for a total sum of {$12000.00}. Also in the stipulation that I could go into default if I couldn't meet the payment arrangement that was made. That was never divulged to me either.
04/30/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 77090	Web
This is in regard to the law firm of Zwicker and Associates, XXXX XXXX XXXX, XXXX, XXXX, and Zwicker and Associates XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX I have been disputing this alleged debt since XX/XX/XXXX requesting the firm for a full validation proving this debt is indeed mine as well as information from the Department of Justice, recognizing me as a victim of identity theft and the status of its case status not knowing details of how my information was obtained or if other individuals were involved. Sending this information since XX/XX/XXXX I would only receive statements after informing them, no, this is not validation but information. Informing them the name itself is incorrect, did fully validate the actual card company as required and their surety bond information that is required to collect in Texas. I was sued and during the break-out session during the hearing on XX/XX/XXXX with the attorney, XXXX XXXX he told me that he has additional information that proves the debt is mine, he asked me for my mailing address, e-mail address, and contact information in other words information that should be on file if there is an actual contact on file that was signed. Yet, wanted me to set up a payment plan, why would I do this any the firm failed in so many ways to violate the FDCPA? After further research, he said they work for the card company BUT they are identified as a third-party collector and they are not bonded with the state. One should not be either for their fitting or business operation. Needless to say, I never received these intimidation letters again that do not define the validation of a debt, that I am entitled. The only thing I received was a " contract, '' which is questionable since it is known there is a class action lawsuit, Lizette DiResta vs.Discover Bank, Caes 155611-2015, in the Supreme Court , pending due to XXXX 's questionable fake credit card agreement, even arising more questions since it's not my name or signed as such. I have nothing and I have nothing to lose but when the harassing calls are being directed to my husband that is another story. This firm believes they are above the law and act as such. This matter with my complaint and other current and past should be looked into.
09/26/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 93555	Web
I received statements from XXXX XXXX in XXXXXXXX XXXX XXXX indicating that I owed balances on multiple credit card accounts. On XX/XX/2022, I sent letters to the CFO, of XXXX XXXX, requesting validation that I am responsible for the alleged debt. After not receiving validation as required by 15 USC 1692 ( g ) I sent XXXX XXXX a notice of fault on XX/XX/2022, again requesting validation that the debt belongs to me. I only received letters, calls, and text messages demanding that I pay these debts or suffer negative reporting to credit reporting agencies. I filed an identity theft report with the Federal Trade Commission on XX/XX/2022. I then discovered that Zwicker & Associates who, without contacting me, filed a civil suit in my county regarding this debt. I have not received any notice from Zwicker & Associates requesting payment of the debt, or even notification of the right to ask for validation of this alleged debt. The only reason I found out about the lawsuit is that I received a letter from another third-party offering consultation regarding the court case. I looked up the court case and sure enough, without prior contact, Zwicker & Associates are suing me for the unvalidated alleged debt. If Zwicker & Associates had reached out to me with a debt collection letter modeling the B-1 form required by 12 CFR part 1006 ( Regulation F ) I would have asked them to validate the debt as is my consumer right. I would also have provided the prior correspondence with XXXX XXXX regarding the alleged debt. Finally, I would have provided the FTC identity theft report. After reviewing the CFPB complaints database, I can see that many other consumers have been sued by Zwicker & Associates without prior communication. In fact, it appears that Zwicker & Associates have a reputation for instantly suing consumers without first conducting due diligence to validate debts. It appears that they rely on intimidation tactics, which are the very abusive, deceptive, and unfair debt collection practices mentioned by Congress in 15 USC Code 1692. I will be reaching out to Zwicker & Associates to ask them to validate this debt. I will also be reaching out to the Attorney General regarding the consumer harassment by Zwicker & Associates.
03/31/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 10473	Web
I was getting increased and harassing collection attempt calls from XXXX XXXX about an account I did not recognize. They called my house after XXXX and my relatives house about this debt which is a violation of the FDCPA. I also noticed it on my credit report and I contacted XXXX XXXX XXXX XXXX XXXX by letter telling them about their incomplete inaccurate and unfair reporting of this account and that I did not recognize this account on XX/XX/XXXX with no response. On XX/XX/XXXX, and XX/XX/XXXX I wrote them letters for not responding and violating the FCRA and not reporting to the Credit Reporting Agencies XX/XX/XXXX, and XX/XX/XXXX that I disputed this account with no response each time from XXXX regarding this account. I did however receive a letter from a collection company named Zwicker and Associates, P.C. They claimed they are trying to collect a debt from XXXX and for me to reply if I did not recognize the account. On XX/XX/XXXX I sent a letter to Zwicker and Associates disputing this erroneous account with XXXX and requesting that they produce verification proof according to Federal and State Law in the form of a contract with my signature. On XX/XX/XXXX I then sent another letter to Zwicker and Associates that they did not produce valid proof according to the law and to have no further contact with me about this account and if they did I was going to file a complaint with the CFPB, my State Attorney General 's Office, and the XX/XX/XXXX Since then they sent another package of Statements of this account with my name on it but no contract with my signature. Neither Zwicker and Associates or XXXX produced a contract with my signature on it to verify and prove this account was mine by the standard of Consumer Federal and State Law. I was sent statements by Zwicker and Associates that I did not recognize with my name on it but not contract with my signature that I entered into an agreement for credit with XXXX. I have seen plenty of complaints against both XXXX and Zwicker and Associates for harassment of consumers by breaking the FDCPA and with other people complaining of similar terrible treatment and inaccurate reporting and them breaking the consumer federal and state law of not responding in 30 days.
03/31/2021	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 10473	Web
I was getting increased and harassing collection attempt calls from XXXX XXXX about an account I did not recognize. They called my house after XXXX and my relatives house about this debt which is a violation of the FDCPA. I also noticed it on my credit report and I contacted XXXX XXXX ( XXXX ) by letter telling them about their incomplete inaccurate and unfair reporting of this account and that I did not recognize this account on XX/XX/XXXX with no response. On XX/XX/XXXX, and XX/XX/XXXX I wrote them letters for not responding and violating the FCRA and not reporting to the Credit Reporting Agencies XXXX, XXXX, and XXXX that I disputed this account with no response each time from XXXX regarding this account. I did however receive a letter from a collection company named Zwicker and Associates, XXXX. They claimed they are trying to collect a debt from XXXX and for me to reply if I did not recognize the account. On XX/XX/XXXX I sent a letter to Zwicker and Associates disputing this erroneous account with XXXX and requesting that they produce verification proof according to Federal and State Law in the form of a contract with my signature. On XX/XX/XXXX I then sent another letter to Zwicker and Associates that they did not produce valid proof according to the law and to have no further contact with me about this account and if they did I was going to file a complaint with the CFPB, my State Attorney General 's Office, and the XXXX XXXX XXXX. Since then they sent another package of Statements of this account with my name on it but no contract with my signature. Neither Zwicker and Associates or XXXX produced a contract with my signature on it to verify and prove this account was mine by the standard of Consumer Federal and State Law. I was sent statements by Zwicker and Associates that I did not recognize with my name on it but not contract with my signature that I entered into an agreement for credit with XXXX. I have seen plenty of complaints against both XXXX and Zwicker and Associates for harassment of consumers by breaking the FDCPA and with other people complaining of similar terrible treatment and inaccurate reporting and them breaking the consumer federal and state law of not responding in 30 days.
04/13/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	OH XXXXX	Web
At One Time I had two XXXX XXXX, one for my personal use and one for Business, we had a dispute on the Business Card and XXXX denied a charge from a Vendor that we later had to pay a 30 percent collection fee to Legal Counsel to recover the fund that XXXX Should have reversed, they then shut the card off along with my personal card. I paid the business card off and paid monthly for the past couple of years on the Personal Account, they keep calling me when after 3 written notifications to stop calling they did in clear violation of the law. I also attempted multiple times just to set up ACH with the Company but they keep refusing to do so, I pay off of paper invoices, so when a statement comes in, it is given to my accounting folks to pay online, since again we could not set up ACH, I just got XXXX 's statement in the mail, when I was alerted by XXXX on I logged into XXXX portal and made the XXXX and XXXX payment online which would bring the balance to {$2400.00} which I then was told when I called into XXXX the account had been assigned to Zwicker and Associates, I asked the man at XXXX that they need to remove the late since they failed to give me the ability to ACH payments and I had not gotten a statement he agreed to it on a recorded line as of today it's still showing and has lowered my credit score by XXXX points and two of my credit cards have now reduced my amounts of boring causing even more hardship in the matter. I then called the Zwicker firm, which they told me they could not discuss it, I then got a letter from them stating that they were trying to collect {$2600.00} and again the wrong amount, I will be disputing this with them today and advising them CFPB is involved in the matter and that the matter is in FULL dispute. I also have now been getting calls from other law firms it seems that XXXX and this Zwicker firm has a track record of not being ethical and following the law which is very apparent in this matter. Also it was brought to my attention that I have been paying fees for " purchases '' even thought the card was shut down and " no purchases '' could be made, I have learned a lot of the tatic 's from the Lawyers that keep calling, to represent me in the matter.
12/09/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	KS 670XX	Web
XX/XX/XXXX I lost my job, my house flooded, and my truck blew up. I had a XXXX card that had crawled up to {$13000.00} over the prior years and they increased my interest to 29 % and my payments were not able to even cover interest. I contacted a financial advisor, XXXX, and signed a POA and was told to stop paying on the card so we could settle the card. The card was eventually turned over to Zwicker & Associates XX/XX/XXXX. At that point XXXX began working the Zwicker when she was able to reach them. Many, many messages were left. I believe she also text them, but they don't answer the phones ( I have tried to call them myself! ) They did call XXXX to discuss settlement, but even after reaching an agreement they again were impossible to reach. During at least one of the conversations with Zwicker they were informed that I had moved to XXXX. XX/XX/XXXX they filed a Summons in XXXX County, XXXX and XXXX again tried contacting them to request the copy of the agreed upon settlement that had never arrived to XXXX or myself. After leaving daily messages for many days she was never called back. XX/XX/XXXX a Notice of Entry for {$15000.00} was filed with the Court. XXXX again tried contacting as we were still attempting to reach them, but they were not answering phones, not replying to messages sent. XXXX finally got after XXXX Legal to retract the judgement as I was not in the State of XXXX and that should have never been filed. XXXX Legal retained another firm for the State of XXXX and they pulled a copy of the XXXX Judgment and said they could not do anything as they do not practice in XXXX. XXXX legal has reached a settlement agreement with me at this time, however, they can not seem to get Zwicker to retract the judgement either as we have been waiting 2 weeks already and we Still can not reach Zwicker. Their behavior is rude when you are lucky enough to reach them, they are practing unethical practices, and when informed that I was not in the State of XXXX, that I had to move to XXXX to take care of a parent on XXXX they even illegally served and filed papers.
09/29/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	OH 44691	Web	Older American
After my husband lost his job, staying current on our debts became very difficult. We joined Freedom Debt Relief as a way to manage our debt and make sure it was being paid. Unfortunately XXXX did not deal with Zwicker and Associates, and that is where our XXXX card ended up. We had and Attorney through XXXX that was dealing with XXXX and was supposedly trying to reach a settlement. We have since been sued by XXXX and have a Judgement against us. We have since paid our debts off except for this XXXX card. Without XXXX 's attorney we are now trying to deal with XXXX on our own. Our phone conversations with XXXX have so far been met with uncooperative attitudes in trying to come to a payment agreement with them. Lump sum is impossible for us. We have just learned that there is a bank garnishment order against us, but there is nothing in there to get. As a last ditch effort we called the attorney we were dealing with and asked her to please send us any documents from XXXX that they had. We found that there was an agreement that we had never seen or been told about. It is an agreement that we can definitely commit to. We called XXXX on Tuesday the XXXX of XXXX and asked XXXX the girl we had been dealing with, if we could sign this agreement and start payments immediately. We even sent copies of this agreement via email to them. It was all put together at XXXX. We were told no. They want a lump some payment of XXXX. If I had that money .... I would n't owe the debt. I do n't understand how they can garnish wages, bank accounts and sue you but when you try to pay them they can tell you no. How on earth do they ever expect to be paid? I would expect that if they want their money that badly and that they went to all this trouble, they would be happy to get the money. It 's embarrassing to be in this situation as it is, but every time you call them they make you feel worthless. They told me to borrow the money. Really? Why do n't they loan it to me! The amount on the agreement was also wrong. it was off by XXXX dollars. We owe XXXX, the agreement was for XXXX.
04/15/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NJ 070XX	Web	Older American
Zwicker and Associates has called me over 20 times and starts out with a recording stating this is an attempt to collect a debt. They proceed to notify me the phone call is being taped. To my knowledge I do not owe any debt to anyone and pay all my bills on time. I am very careful with sharing personal information and have been the victim of fraud and phishing in the past. When I hold to speak with a person, I inform Zwicker that I do not consent to any phone call being taped. Especially from someone I don't know. I also inform Zwicker that I am not aware of any debt in my name that is under collection. Zwicker then informs me they can not proceed with the conversation unless it is taped. I ask them to either please call me on an unrecorded line or send a certified letter explaigning the debt, since I am not aware of any debt or collection in my name. Zwicker then tells me they are unable to do this and the conversation ends until they call me back. This has gone on for over 20 phone calls. Today I explained to Zwicker the phone calls have become harrassing and they are breaking the law. Zwicker takes the position that if I do not engage them on a taped call they have the authority to gain a judgment against me but they refuse to call on an unrecorded line or send me a certified letter describing the debt they are calling me about. They tell me the phone calls are not harassing and we get into a tit for tat. Then there is a hang up and an hour later they call me back. They are baiting me into a conversation and refusing to tell my about they debt they are calling about. They are very aggressive in tone. Honestly, the first time I requested a certified letter detailing the so called debt, the phone calls should stop. Or call me on an unrecorded line and I would be willing to discuss because I am unaware of any debt collection in my name. I told Zwicker I would file a complaint with CFPB, and they just laugh and say they are not harassing me. Then they call me back an hour later and start the cycle again. This is harassment and must stop!
03/15/2021	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive notice of right to dispute	CT 06074	Web
In XX/XX/XXXX, I received notice I was being sued by XXXX XXXX XXXX XXXX ( " XXXX '' ). Prior to being served, I was not contacted by the law firm handling the debt, Zwicker & Associates, or XXXX regarding the debt owed. When I told XXXX I had not been notified of the debt, they produced an unsigned letter dated XX/XX/XXXX addressed to an address I had not lived at for several years purporting to provide me notice. The letter provided contained an amount different from the amount represented in the law suit. From XX/XX/XXXX through XX/XX/XXXX, I maintained the same address which was not the address the letter was mailed. Once I raised the issue of notice, employees of the law firm representing XXXX began calling me and making false statements over the phone. They tried to induce me to make a payment claiming it would " help my lawsuit '' and " make things better for me legally ''. This is untrue. Not only would it restart a statute of limitations, but payments made outside of a legal agreement for a case actively in court may not be recognized by the court or could be misapplied by the company. When I explained to the callers that I would not make any payments outside of an agreement and that they were providing me with incorrect information, they again tried to push me into making payments by falsely claiming they were trying to help. I repeatedly asked Zwicker to provide a detailed accounting of the amount owed as the loan was serviced by XXXX, a company notorious for misapplying payments, incorrectly calculating amounts owed and payment amounts and collecting money for loans they no longer service. Zwicker failed to respond to my requests. I attempted to go to the local regulatory authority in Connecticut to help me obtain records, but found out that because they have attorneys on staff, the CT Department of Banking does not regulate them as a debt collector. Basically, they are able to circumvent the law and continue their forceful, violative practices that are in direct contravention of the Fair Debt Collection Act.
10/18/2022	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77057	Web
I have reasonable cause to believe I have been extorted! I have been abused and deceived by " Attorneys '' at ZWICKER & ASSOCIATES, XXXX. in XXXX XXXX, Texas, including but not limited to, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, & XXXX XXXX, are violating my rights and federal law under the FDCPA, XXXX, & XXXX, all while never showing proof of authority to be legally " representing '' XXXX XXXX. They filed a lawsuit against me in XXXX XXXX XXXX XXXX at XXXX XXXX. XXXX in XXXX XXXX, XXXX, Texas, for a " breach of contract '' without providing a legally binding contract. They obtained my nonpublic personal information without lawful authority and have used it to bring harm to me and my financial reputation. I have never entered a contract with these people. I DID NOT AND DO NOT CONSENT to them possessing, using, or transferring my nonpublic personal information. They, along with XXXX XXXX, XXXX XXXX XXXX, etc. violated a cease-and-desist notice delivered on XX/XX/XXXX, via certified mailing number XXXX received with signature, by continuing to proceed in obtaining a default judgement against my strawman, without lawfully validating the alleged debt. Violations committed by ZWICKER & ASSOCIATES, P.C. are as follows but not limited to : 15 USC 1 15 USC 1692d 15 USC 1692e ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692e ( 4 ) 15 USC 1692e ( 5 ) 15 USC 1692 ( 7 ) 15 USC 1692 ( 9 ) 15 USC 1692e ( 13 ) 15 USC 1692f ( 6 ) 15 USC 1692i ( b ) 15 USC 1692j 18 USC 1028A 18 USC 241 42 USC 1983 Let the record show, I, private consumer in fact, REJECT, ZWICKER & ASSOCIATES, P.C. 's offer to contract. Let the record show I DID NOT AND DO NOT CONSENT to ZWICKER & ASSOCIATES, P.C. or any and all individuals acting under, affiliated with, or doing business with, to possess, use, or transfer ANY of my nonpublic personal information including my name, location information, telephone number, or any details regarding my experiences with financial institutions, for ANY purpose or reason, especially for unjust enrichment.
04/25/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	NJ 08527	Web
On Wednesday XX/XX/XXXX, I received a letter from XXXX XXXX, a firm located in XXXX, FL. I initially thought it was a scam since I do not live, work, or have any contacts/close connections in the state of Florida. XXXX XXXX was informing me that I was being sued in the state of Florida and upon doing some research, I was able to confirm that on XX/XX/XXXX XXXX XXXX from Zwicker & Associates PC had filed a lawsuit with the XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. Case # XXXX with judge XXXX XXXX, XXXX XXXX. This is a frivolous lawsuit as I do not live or work in the state of Florida. The CFPB should conduct a full investigation against Zwicker & Associates PC and assess fines for their unethical debt collection practices. The FDCPA is very specific in that a debt collector can only sue where the defendant currently resides. Under the Rules of Civil Procedure, a Plaintiff wishing to sue must do so in the proper jurisdiction and venue, or county and state court. This helps ensure that Defendants are physically and financially able to attend court hearings and that Plaintiffs can not forum shop or choose the state where the law most favors them and then file their lawsuit there. The proper place to sue is the county and state where the defendant lives. Not only do the Rules of Civil Procedure apply to creditors and debt collectors who are filing a lawsuit, but the Fair Debt Collection Practices Act ( FDCPA ) and Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) also require that lawsuits against debtors be filed in the county and state where the debtor lives. If XXXX XXXX Bank had a claim against me I should have been notified at my home address here in the state of New Jersey. I should have also been given the opportunity under FDCPA to have this debt validated/verified as I was a victim of fraud in XXXX. If XXXX XXXX who I dont know from a hole in the wall was able to notify me here in my home in NJ than so should XXXX XXXX Bank and Zwicker & Associates PC .
07/01/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	PA 182XX	Web	Older American
I am a senior citizen age XXXX living on under {$900.00} a month direct deposited social security. Thats at about 80 % of the XXXX XXXX level. Zwicker & Associates, P.C. ( Ph : XXXX ) filed a claim against me on behalf of XXXX XXXX in the Court of Common Pleas in XXXX XXXX PA in XXXX of XXXX. I received the paperwork around the beginning of that month. Arbitration is scheduled for XX/XX/XXXX at XXXX XXXX. The claim is seeking {$4700.00} of which {$2500.00} is interest. The account was closed in XX/XX/XXXX. Interest continued to be added from XX/XX/XXXX until XXXX of XXXX. From about XX/XX/XXXX to XXXX or XX/XX/XXXX this account was in Debt Consolidation with ____ca n't remember company name__. It became a hardship after making payments of {$180.00} a month from XX/XX/XXXX to XX/XX/XXXX. At this time I canceled my agreement with______ to move my debt to XXXX XXXX XXXX as they were able to lower the monthly amount. I was advised to stop paying on my credit cards so they could negotiate with the credit card companies. I was able to actually pay off some of the credit cards that I had at the time. But that too became a hardship and I calculated how long I would be paying so I canceled my agreement with XXXX and negotiated on my own and paid off two of my cards. I contacted XXXX to try to negotiate with them as they were listed on the collection letter I received and was told that they would only be able to accept {$290.00} a month for a year. I had one check debited from my account in XXXX of XXXX and was unable to continue without severe hardship. So I canceled that agreement. I did speak with someone and told them I could afford {$50.00} a month but there was no further conversation on the part of Zwicker to set up a plan I could afford. My complaint is that I tried to settle my debt in a manner that would not leave me with financial hardship and they refused what I could manage. It would be a greater hardship if I am also saddled with arbitration fees. PA
08/08/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	OH 453XX	Web
On XX/XX/22 I received a notice of garnishment from the court for a default judgment granted to Zwicker and Associates for an XXXX XXXX debt that I owed. I reached out to Zwicker and Associates PC collections department for the stated purpose of VOLUNTARILY paying this debt in full in exchange for no longer pursuing garnishment against me. I spoke with XXXX XXXX and XXXX XXXX ( the latter of which conferred with the attorney for my case, XXXX XXXX, at length while I was on hold ). I was told that, although there was typically a 21 day holding period FOR CHECKS, that, per XXXX XXXX 's direct suggestion, a bank wire for {$12000.00} would likely alleviate that, but he would need to speak to the attorney to be sure. After a lot of back and forth between he and XXXX XXXX, he finally came back and told me that everything was squared away and that the garnishment would no longer be pursued. I called back Friday morning ( XXXX ), both to XXXX XXXX in collections as well as another individual in the legal department - both of which confirmed to me that my the wire was successfully executed and that there was no reason garnishment would be pursued and that the only further correspondence I would receive on this case was a satisfaction letter. What is relevant is that when I woke up this morning ( XXXX ) shocked to see that a garnishment was taken from my bank account! I got double-charged! I immediately called and talked to the legal department and was ultimately told that they had only TODAY began the process to notify the XXXX County Court to release the garnishment. XXXX XXXX, on a recorded line, told me that this was NOT possible to do Thursday afternoon or Friday last week even after multiple individuals from Zwicker informing me that the wire was successfully received. Meanwhile, I am out almost {$13000.00} dollars! Someone should be held responsible for this! And the court record should be rectified! No garnishment was necessary.
04/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30331	Web
Dear CFPB, Today I have asked Zwicker & Associates to cease and desist from contacting me and to date XX/XX/2022 they are still sending threatening letters and communication regarding a debt that was part of identity theft. They sent to me a docusigned document that I have no recollection of even completing nor signing. I say to myself if I received the alleged amount I wouldn't have any debt at all and there is more than one account that was created summing a lot more total dollars. I received a letter from the IRS on XX/XX/2022 Integrity & Verification Operations, Program Manager which gets no more legal than this. I am still being plagued by identity theft and have since been instructed by the IRS to contact the three bureaus, local police and in this case my name was signed the same way. It's obvious that it is east for anyone to create accounts make payments etc.., According to the IRS agent they had my bank account information and address etc..in which they did an entire tax return and according to the IRS they submitted documents being me XX/XX/2022 twice and it was accepted on XXXX XXXX with a signature as well. In the meantime I ask that while I continue to work on my ID theft that they " DO NOT '' contact me anymore and that includes mailing to me threatening letters stating that they are trying to collect a debt that isn't owed by me.This is not my debt! None of this is true, none of this alleged debt is mine. XXXX XXXX went so far as saying they contacted the XXXX Police Department and lied about who they spoke with and any validation. Their response to me was they stated that it wasn't ID theft yet they have a police report on file with all of the listed accounts. If XXXX XXXX would have done its job when I contacted them regarding my ID theft we would not be hear today. This demonstrates their lack of integrity and how the unethically handles business. This is " NOT '' my debt.
03/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28273	Web	Servicemember
XX/XX/2022 XXXX : My name is XXXX XXXX. I am writing in regards to Zwicker & Associates, P.C.s attempt to collect a debt on behalf of XXXX XXXX. The account ending in XXXX. The total balance owed, as I understand is : {$5400.00}. I am writing for assistance because I do not wish for this team to take the harshest penalty on me, by suing me for the funds in which I explicitly do not owe or possess. I am a XXXX veteran of the XXXX. I have no available funds or assets to liquidate to satisfy this debt in full or at thirty-five percent. I do not own a vehicle. And I do not own a home and I do not own any properties. I am not actively employed. I live with my family and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I XXXX XXXX XXXX XXXX XXXX XXXX I am able to secure via family agreement, a full payment, to clear this debt in the amount of {$1500.00} given that Zwicker & Associates, XXXX. is able to accept and agree in full, that, this debt will be satisfied and there is be no further collection attempts and that XXXX XXXX will in good faith honor this payment as a debt satisfied in full with no further collection attempts and all lawsuits will cease immediately upon receipt of payment! Zwicker & Associates, XXXX. will be able to reach me via telephone at : ( XXXX ) XXXX, only if this communication is something they are going to accept and allow a payment of {$1500.00} to me made on the date in which they contact me. If this offer for settlement is accepted, Zwicker & Associates, XXXX. may contact me via telephone to collect a payment of {$1500.00} in full. Once the payment is posted, they will submit to me via email and fax ( XXXX ) XXXX, a receipt for payment, as well as communication advising that the debt is satisfied and paid in full with no further collection or legal attempts to me made. Thank you, XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX, NC XXXX ( XXXX ) XXXX
02/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30331	Web
Dear Consumer Financial Protection Bureau I am contacting you with regards to the matter with XXXX XXXX XXXX XXXX regarding file # XXXX with a debt dated XX/XX/XXXX in the amount of {$19000.00} and all attempts have been ignored. I was on the phone with XXXX when the called to verify during my home refinance and he could not say if the debt was mine or not. This debt does not belong to me and I have made several attempts with XXXX XXXX sending clear explanation as to me being a victim of identity theft. My information was used to get loans and credit cards with many creditors and I quickly tried to resolve this and have not had any luck. The assumption is that my name and other information was obtained to get this but when I last checked if it wasn't't me and someone else used my information then it is clear identity theft. I was quick and filed a police report with the XXXX Police Department and filed affidavit with the Federal Trade Commission where I obtained a affidavit number to back my innocence with the assumed debt. I have know knowledge that I ever owned, or opened any account with XXXX XXXX XXXX XXXX and now I am being sent letters from Zwicker and Associates PC that gives me a response date of XX/XX/XXXX as a debt collector to collect a debt that was a part of my identity theft and should have been deleted along with the other things I've been fighting. I have taken every step to fix this with the bureaus and unfortunately, since they are paid to keep negative information they simply stopped my pursuits. I have send my drivers license, social security card etc... only for them to return saying the debt is valid. Valid how? I never received any loans or goods from the mentioned company and I need your assistance to please stop any collection and pursuits also to delete the blatant derogatory information from all three bureaus immediately.
10/06/2022	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 908XX	Web
Hi, I received a debt collection letter, and I have a concern I would like to bring to your office. Zwicker & Associate, XXXX. ( XXXX, MA ) sent me the letter. While they are a legitimate law firm with actual lawyers on staff, their letter appears to make a consumer think it's communication from lawyers at their firm, when in actuality it's not. On the immediate top, left-hand side, the first thing I read was their address : Zwicker & Associates XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Therefore, I thought this letter was from an attorney that was trying to sue me. In fact their website boasts that they are attorneys that go after debt collections. However, I noticed the address on the bottom of the page omits " XXXX XXXX XXXX ''. Furthermore, on their website, they also omit " XXXX XXXX XXXX '' in their mailing address on the Contact page. ( Only on top of the collection letter, where it's 1 of the first things to catch many consumers eyes, does Zwicker include " XXXX at XXXX '' in a mailing address. ) When I flipped the letter over, it says " Important Information : As of this time, no attorney with this firm has personally reviewed the particular circumstances of your account. This letter is not a threat to suit and should not be construed to be a threat to suit ''. Can you explain to me why this " important information '' would be on the BACK of the letter? Why would they hide the " important information '' on the back page of the letter, yet they found they should put put non-essential info ( " XXXX at XXXX '' in the address ) on the front page? I fear that many consumers have fallen into thinking this debt collection is from an actual lawyer that is trying to sue. When in actuality, it's not. Can your office please look into this? I see it as a stumbling block for many consumers. Thanks,
08/16/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WA 98006	Web
I am writing to express my grave concerns and to file a formal complaint against XXXX XXXX, their legal representation, Zwicker & Associates, and notably, XXXX XXXX XXXX, regarding an account under my name. Overview of the Issue : Initially, I faced a debt with XXXX XXXX of {$6600.00}. With a genuine desire to resolve the matter, I settled the debt for {$3600.00}, agreeing to a payment plan of XXXX XXXX monthly. Everything proceeded smoothly until XXXX, when I had to close my bank account due to fraud. I immediately reached out to Zwicker & Associates, hoping to adjust my payment method to my new bank account. However, they insisted on only speaking to my attorney. The journey with my legal representation has been tumultuous : In XXXX, I sought assistance from the XXXX XXXX XXXX ( XXXX ) for debt settlement. By XX/XX/XXXX, my case transitioned to XXXX XXXX. Eventually, my case was handed over to XXXX XXXX XXXX. They have been particularly non-communicative and appear to be in violation of ABA rules 1.3, 1.4, 1.5 ( b ), and 1.9 by not replying to me or other litigants. XXXX XXXX XXXX 's lack of communication left me in a precarious situation when Zwicker & Associates took the drastic measure of filing for an interrogatory with the court, aiming to garnish the full amount. Remember XXXX stated I could not pay them directly because I had to have my attorney involved and yet they felt it appropriate to communicate with me directly regarding an interrogatory. They seem to want to have their cake and eat it too. Current Situation and Plea for Intervention : The absence of communication from XXXX XXXX XXXX and Zwicker & Associates ' refusal to liaise directly with me has left me cornered, even though I have shown nothing but willingness to resolve the matter.
05/20/2016	Yes	Credit card	Other	AZ 85375	Web	Older American
XXXX XXXX XXXX XXXX XXXX violated my FTC right to charge back a debt by declining a legitimate charge-back of {$1100.00} for my XXXX/XXXX/XXXX at the XXXX XXXX XXXX. The hotel 's dirty pool failed state inspections and put my husband in the hospital with a XXXX XXXX that cost {$15000.00} ( Doc : My letter dated XXXX/XXXX/XXXX ). XXXX committed BAD FAITH by reducing its Over Time Repayment Services and wrongfully declining a credit card charge to my computer repair company. I closed the XXXX account and returned my charge card on XXXX/XXXX/XXXX ( Doc : My letter dated XXXX/XXXX/XXXX ). XXXX failed to provide a requested response to my XXXX/XXXX/XXXX letter. I wrote a CEASE AND DESIST DEMAND letter dated XXXX/XXXX/XXXX to stop the daily harassing telephone collection calls ( Doc : My letter date XXXX/XXXX/XXXX ). XXXX assigned the disputed {$35000.00} to Zwicker & Associates on XXXX/XXXX/XXXX. I wrote my timely XXXX/XXXX/XXXX letter to Zwicker & Associates demanding a VALIDATION OF DEBT. I never received any validation of debt from XXXX or the debt collector attorney ( Doc : My letter dated XXXX/XXXX/XXXX ). XXXX sued me using the debt collector firm. Zwicker & Associates PC, on XXXX/XXXX/XXXX and won a default judgment on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX XXXX attempted to illegally garnish my checking account but the account was overdrawn and it failed. It was an illegal garnishment because my only income is Social Security which can not be garnished. On XXXX/XXXX/XXXX the lawsuit was dismissed due to my bankruptcy. XXXX and Zwicker and Associates violated the FDCPA by failing to provide the XXXX/XXXX/XXXX demanded VALIDATION OF THE DEBT. I do not owe XXXX anything because of it BAD FAITH AND ITS FDCPA LAW BREAKING.
06/03/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	AZ 85044	Web
I made contact with Zwicker and Associates on XXXX/XXXX/15 to discuss the XXXX XXXX bill they are handling to see what our options were. We were served with a summons in XX/XX/XXXX and sent in our answer and instead of going through the courts we wanted to see if we can rectify the matter outside the courts. We talked to a collector I believe his name was XXXX and when I proceeded to tell him our income situation ( primary holder got laid off in XX/XX/XXXX at the time the payments stopped and hes now on unemployment, spouse works part time and expressed we get help from family to keep a roof over our head ) we offered we can do {$50.00} a month till our situation gets better. He said he can do the balance in XXXX parts over XXXX months, I advised we are not able to raise that kind of money due to our current situation. When we told him that he proceeded to tell us that they will collect this with a involuntary payment and when I asked him what that meant he said " I dont know how your state works '' he kept referencing " involuntary payment '' and I kept asking him what that meant because we offered payments and they refused to set up any arrangement on the payments we offered, so what is the involuntary payment mean? He said " I dont know how that works in your state again ''. We asked to speak to someone who knew what that meant and a XXXX XXXX a manager, we asked him what they meant by " involuntary payments '' he said the courts will determine what that is..and said he didnt know the laws in our state. They currently do not have a judgment against us and we have not been to court so referencing any legal action, involuntary payments and not accepting what we offered this is illegal. Thank you for your time in this matter.
02/09/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	OH XXXXX	Web
I was behind on all of my bills and needed to fix my credit card issue. I had recently moved into a new home and things needed to be done, one of those things was a fence for my yard because my dog ran out and got hit by a car and XXXX. So I contacted XXXX XXXX XXXX for help, I thought finally I can rest because I thought they were going to handle everything,They first told me to STOP making my payments and change my address and phone number to theirs, So that is what I did and this eventually wound up to XXXX sending all of the info to XXXX XXXX XXXX and I didnt know anything about it and I thought it was being handles until I was served with lawsuit papers. I even called XXXX and asked that they place this account ahead of my other accounts and they told me they would need $XXXX more, So thats what I gave them in addition to my regular payment so they can get this resolved. Needless to say they never resolved it and it got turned over to a law firm named Zwicker and associates. I made payment plans with them That were automatically taken out of $XXXX bi-weekly. I was never told that I had to contact them again to set up more payments. I thought this was already taken care of as I set this up with Zwicker for an auto deduction, I looked online at the XXXX XXXX court records yesterday XX/XX/18 and found that they were placing a lien on my bank account and never notified me by phone or mail that I had to set up payments again or that they were placing a lien on my account.I called and tried to get back on a payment plan and they advised me that I could not do this until I had $XXXX for them to even consider taking the lien off.
08/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11234	Web
XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX I just got my report and I think it is wrong! I opened an XXXX XXXX card in XXXX. It was closed and I paid it off. The law firm is stating they want funds for a card that was opened in XXXX. They are reporting I was opened in XXXX on my credit report. The firm refuses to give me supporting documents validating the debt. I was told I have the right to have an investigation done. Credit bureaus laws report that the bureaus report 100 % accurate credit history. Every step must be taken to assure that the information reported is completely accurate. The following information therefore needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. Please provide me with the following items : 1. Pay Off Disclosure 2. Interest Disclosure 3. Balance History 4. Payment History 5. Credit Insurance Validate Accounts XXXX XXXX XXXX Contract Closed ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION. -- ( A ) IN GENERAL -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
08/16/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 11234	Web
Zwicker & Associates Attorney at Law XXXX XXXX, XXXXXXXX XXXX XXXX I just got my report and I think it is wrong! I opened an XXXX XXXX card in 2006. It was closed and I paid it off. The law firm is stating they want funds for a card that was opened in XXXX. They are reporting I was opened in 2006 on my credit report. The firm refuses to give me supporting documents validating the debt. I was told I have the right to have an investigation done. Credit bureaus laws report that the bureaus report 100 % accurate credit history. Every step must be taken to assure that the information reported is completely accurate. The following information therefore needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. Please provide me with the following items : 1. Pay Off Disclosure 2. Interest Disclosure 3. Balance History 4. Payment History 5. Credit Insurance Validate Accounts XXXX XXXX XXXX Contract Closed ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION. -- ( A ) IN GENERAL -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
08/17/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 92345	Web
I received a debt validation letter from Zwicker & associates on XX/XX/2022 with a date on it XX/XX/2022. I called them on same day XX/XX/2022 telling them I am responding to the letter and they tried to collect on the debt before the 30 days and threaten for litigation if I did not comply. I was contacted again on XX/XX/2022 @ XXXX. I returned the call and stated if they sent anything out in response to my debt validation letter. They stated the sent out on XX/XX/2022, I have not received anything in the mail for Zwicker & associate. I stated to the debt collector that I haven't received anything in the mail and they emediately became agressive, I stated I sent my response by certified mail that they obviously received the response and the debt collector at Zwicker & associates denied it and threaten for litigation and stated my account was in review for litigation, that he will forward the account to an attorney at Zwicker & associates. It's been 30 days and they did not respond to my request. I feel harassed and extorted for payment without proof of debt ownership. They also stated both times I was contacted by 2 different debt collectors at Zwicker & associates that they were hired to collect debt on behalf of original creditor, a creditor that charge-off the account as bad debt and is on my credit report as a charge-off bad debt. I need proof of contract with the original creditor. If Zwicker & associates can not provide requested information on my response letter then they need to stop trying to collect debt they aren't legally able too.
05/24/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	VA 23831	Web
I received a warrant in debt from Zwicker & Associates on behalf of XXXX XXXX and it scared me. I didn't realize until after signing an agreement with Zwicker that several practices under the Fair Debt Collection Act was violated. I never once received a letter from Zwicker indicating that a debt was owed and right to dispute the debt. I spoke with a Zwicker attorney who told me that the only way to avoid judgement was to set up an arrangement, sign an agreement and pay the debt. Zwicker never once provided me the opportunity to dispute the debt or engage in dialogue about the debt they skipped all required practices and went straight to the courts. On XX/XX/2019, I contacted Zwicker to make my agreed payment. I was told by the representative that I would have to make two payments as the XXXX payment was not received. I asked for a manager who was extremely demeaning and threatening. He said that they had not received the XXXX payment and I would have to make both payments or they would not accept a payment from me. I was previously informed by Zwicker that if I didn't pay the debt that they would garnish my wages. I asked if I could make payment towards the lower balance account to pay that one off and was told no that I could only make a payment towards all three accounts which I have since learned that I can pay towards any debt and not required to pay a particular debt. According to XXXX XXXX my accounts have been charged off, I would like to understand the relationship between Zwicker and XXXX XXXX regarding a charged off account.
09/15/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web	Servicemember
After receiving notification Zwicker & Associates was suing me on behalf of XXXX XXXX for an invalid debt I contacted them several times. Initially, I informed them on XX/XX/2019 at XXXX XXXX CST this debt was not valid and requested verification of the debt on a recorded phone call. I was told they would send me verification of the debt as well as verification of several charges and inconsistencies in the assumed debt. No debt validation was ever recieved. After speaking with Zwicker & Associates office manager on a second call on XX/XX/XXXX at XXXX XXXX CST, I was informed they were unable to validate the debt and the suit would be dropped and a release would be completed and sent. Without my knowledge and in opposition to their statements and instructions Zwicker & Associates failed to issue the release of debt and lawsuit, proceeding forward with their lawsuit. As I was told the suit would be dropped, I did not appear in court and Zwicker & Associates won a default judgement for an amount 2x their initial debt notifcation. A debt they claimed they would drop, as they were unable to verify as it belonged to someone else with my name. After recieveing a default judgement on this invalid debt Zwicker & Associates sold the debt to XXXX XXXX XXXX XXXX who is attempting to garnish my assets and accounts. I am on Social Security, which is exempt and have no assets. Despite this, they are attempting to collect on a debt which they failed and were unable to verify, claiming the debt belonged to someone else with my same name.
07/31/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 750XX	Web
On XXXX/XXXX/15 at XXXX CT, XXXX XXXX XXXX left a XXXX second voicemail on my cell phone claiming a past due debt. The transcript of the voicemail is a follows : '' This message is for XXXX XXXX. If you are not XXXX XXXX, please hang-up or disconnect. If you are XXXX XXXX, please continue to listen to this message. There will be a three second pause in this message. By continuing to listen to this message, you acknowledge that you are XXXX XXXX. XXXX XXXX you should not allow anyone else to listen to this message because it contains personal and private information for you only. There will be a three second pause in this message. This is XXXX XXXX, a non-attorney collector at the law firm XXXX, XXXX. XXXX XXXX, this is an attempt to collect a debt and any information obtained will be used for that purpose. Please contact me at XXXX extension XXXX. " The collector did not state a past due amount or creditor. I have no past due amounts and am not delinquent on any payments. I understand that XXXX are in direct and deliberate violation of Federal and state consumer protection laws for failure to acknowledge any legitimate dispute and furnish documentation of the debt allegedly owed. I understand XXXX are in direct violation of Federal and state laws for intentionally misrepresenting jurisdiction of collection laws, for the sole purpose of attempting to disarm me of my consumer rights under Texas law. I would appreciate the Consumer Financial Protection Bureau 's assistance in resolving this matter.
09/04/2018	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 75165	Web	Servicemember
I AM NOT A LAWYER. I AM A XXXX XXXX. I believe I was misled about the hard copy information ( consent to judgment/ rule 11 ) they send to myself concerning the debt. Please see attached. This is a follow up to complaint numbers XXXX and XXXX. At the time I filed my original complaint, I was unable to attach the following call logs to prove I had communications with Zwicker and Associates on XX/XX/2018. I spoke with XXXX on the previous days as well. Somewhere on or the day before is where I heard him make his questionable statement. I believe it was on XX/XX/2018. It could have been the day before. I am unsure If the women on the phone told me that I need/ must sign it ( rule 11 and consent to judgment ) before she told if not I would/will be taken to court. Please investigate. What she said seems/feels threatening to me. What XXXX XXXX said about the consent to judgment form seems/feels very much misleading. Please double check our last communications. Both representatives of Zwicker and Associates have raised ethical questions and concerns to me creating a very real feeling of oppression with mental pressure and distress. I am attaching my XXXX as proof that I am a veteran. Please keep from sharing from Zwicker and Discover if possible. I also want to state that I will hold up my end of the settlement agreement faxed on XX/XX/2018 unless otherwise offered an alternative. I will not agree nor will I sign the consent to judgment or rule 11 that was dated the next day on XX/XX/2018.
06/12/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	MA 010XX	Web
Between XX/XX/XXXX and XX/XX/XXXX, I cosigned for my son a series of XXXX student loans through XXXX ( XXXX XXXX XXXX XXXX ). XXXX months after XXXX, he began the process of repayment. At some point in the following XXXX years, my son failed to make regular payments and the loans were subsequently turned over to a collection agency called Zwicker & Associates , P.C . When they reached out to me for the first time, I was stunned to find out my son and I were into this agency for roughly {$31000.00}. I explained to them that I as a cosigner, had never recieved a notice of delinquency from anyone, not XXXX, nor Zwicker. I asked them to produce notices of collection which they could not, instead steering me back to XXXX who when I called, refused to speak with me. My son since made an arrangement to pay them {$300.00} a month for XXXX years and that has now been increased to {$400.00} at 12 %. For a young man starting a career, that is a large sum at ridiculous interest which will take him years to pay off. He also has about {$80000.00} in additional student loans he 's paying down. What I would like to see is any type of collection notice sent to me as a cosigner. I would also like to see something done to eliminate the high rate of interest on these loans. I do n't dipute that the money is owed. What I am questioning is why I never recieved delinquncy notifications as a co-signer. In addition, this all went on my previously clean credit report as charge off 's.
03/30/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	TX 75068	Web
XXXX XXXX XXXX as XXXX for XXXX XXXX XXXX XXXX XXXX XXXX Trustee XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX State Bar Number XXXX XXXX XXXX XXXX XXXX XXXX State Bar Number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( FAX ) decided to file an unlawful default judgment to garnish all of my money-exempt funds at XXXX XXXX XXXX XXXX due to their deceptive and unlawful garnishment of my unemployment benefits, 401k indirect rollover, and federal aid leaving me with XXXX available funds. I am having a difficult time trying to feed my kids, keeping running water and electricity, paying for gas maintaining basic needs due to having exempt funds seized and left with absolutely no money to even pay for water. Despite my several attempts in XX/XX/XXXX and XX/XX/XXXX to remedy this, the previous law firm continued to transfer me to different reps and even provided an invalid number. Then mention that they no longer have my debt and it's transferred. I lost my job in XX/XX/XXXX, got sick, and did not get paid for taking XXXX. I do not have a single or cash on hand, left destitute I need access to my money as my health and kids are left to provide bare necessities like water, lights, food, etc. XXXX and XXXX XXXX XXXX Imposing unenforceable clauses in take-it-or-leave-it customer contracts. Deceiving customers about their rights : Failing to adhere to consumer protections governing customers bank accounts :
04/20/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	MA 01844	Web
Unfortunately, due to a hardship I fell behind on my discover card payments and was no longer able to afford the monthly amount. They have now sent this to a 3rd party collection agency ( Zwicker and Associates ) who brought me to court over the debt. I have tried numerous times to enter into a voluntary monthly payment but they will only accept a lump sum pay off. On XX/XX/XXXX I spoke to XXXX a rep at XXXX about my situation. Advised I could hardly afford an extra $ XXXX let alone XXXX. I once again explain the details of my hardship at which point she offers me a payment of {$34.00}. I agree. Days later I get a letter in the mail that the payment is for {$3400.00}. I call immediately on XX/XX/XXXX and XX/XX/XXXX and leave messages on my reps direct line. No one ever called back. Of course the payments dont go through cause I dont have it and now Im charged all these returned payment fees. Still no call. I finally reach out again and they told me the agreement was for that amount and was noted as such in their system. I advised thats not at all how the conversation went and asked them to send me the recording. They advised Id have to send that request via writing, so I did. They advised theyd listen to the recording. I have yet to hear back or receive the recording and prior to terminating the call I asked again if there was any reasonable voluntary arrangement. XXXX the manager said no, other than the balance in full theres not.
04/10/2019	Yes	Debt collection Credit card debt	Communication tactics Called before 8am or after 9pm	MA 02116	Web
Zwicker and Associates have been constantly for the last 3 months trying to collect on an XXXX XXXX bill that we were wrongly shut out of our portal for. We had an XXXX business account and because we did not provide them with certain documents, we were locked out of the online portal. They sent the debt to Zwicker and Associates who call us 4-5 times a day initially, early in the morning or in the evening. What we are so frustrated about is that they constantly threaten to sue us if we don't pay, but then when we set up a payment to pay in full, they pull the amount on the WRONG DAY. And then call and threaten us that the payment bounced. Well, you pulled it on the wrong day. They pass it from colleague to colleague which just causes confusion and the representatives we speak to are extremely aggressive and rude, saying how much trouble we're going to be in if we don't make the payment. I have been trying to set up a wire transfer for weeks now, with no response. Phone calls stopped, and emails too. We have been trying to pay the debt and negotiate an amount but now they are not responding, despite me emailing and asking to speak to the representative that originally set up TWO incorrect pulls from our checking account. The bank manager who works with us is an ex-employee of Zwicker and has informed me to make a complaint because he sees this happening alot. They make their own electronic checks and pull it when they want.
09/08/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 620XX	Web
I had 2 credit cards with XXXX Bank. After losing a baby, losing my father, and losing my job I had fallen behind on paying them, however I had made arrangements with XXXX to make $ XXXX payments on each credit card. They could not provide me with account numbers and suggested to just schedule the payment through my bill pay and as long as I had those scheduled, no further action would be taken. I have had both payments scheduled since that moment for the XXXX of every month. They're not cashing the checks until the XXXX of the month. While that's suspicious, I had not heard from XXXX until I found out that someone was trying to serve me papers at an old address. XXXX sold my debt to Zwicker Associates PC without notifying me of that action. I've requested that XXXX take the debt back and continue with our agreement to no luck. While they have stated they're okay with Zwicker contining $ XXXX payments without a judgement or wage garnishment. I've not been able to make an arrangment with Zwicker or get a call back of any kind. They did not send any type of notice prior to submitting my debt for judgement. I've requested a debt validation letter and have not received anything back. My daughter tried to commit suicide earlier this year and the collection efforts performed by Zwicker have caused undue stress and XXXX. Forcing me to consider bankruptcy. A judgement or wage garnishment will affect my employment negatively as well.
08/20/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MO 64118	Web
Zwicker and Associates notified me in the spring of 2022 that they had taken on my account from XXXX XXXX XXXXXXXX XXXX. I been in a year long payment arrangement that I paid diligently on time. Then when the arrangement ended, I had been forced to change to a lesser paying job, then go part time, then not work at all due to health issues surrounding XXXX XXXX and survival of XXXX with complications. I offered Zwicker and Associates a payment plan that was the highest amount I could do without any net income. I faxed this and outlined it to them on three different occasions including yesterday, XX/XX/XXXX, after finding out through the internet and soliciting attorneys that Zwicker had filed suit against me on XX/XX/XXXX in XXXX XXXX court. They have not, to this day, provided any notification of this filing to me. I only learned of it through other attorneys wanting to represent me in this hearing! I contacted XXXX XXXX in the XXXX XXXX for Zwicker via email outlining my request for settlement and notifying him that I had not been notified by them or the court of the lawsuit and had found out by chance. I made a settlement offer. This complaint is due to the fact they Zwicker and Associates filed a lawsuit against me to serve judgement for the debt I own to XXXX and did not, to this writing notify me of the suit, therefore, it would have ended in a default judgement because I never knew the suit was filed.
09/26/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 78211	Web
I am a victim of fraud and mail theft. XXXX alleges I have an outstanding charged off account that was opened in XX/XX/XXXX. They referred this account to Zwicker and Associates P.C. which is a law firm that specializes in debt collection. This law firm filed suit and a deputy from my local sheriff 's department delivered a Writ of Execution to my home in XX/XX/XXXX. XX/XX/XXXX is the first I have heard of this charged off account opened by a fraudster in XX/XX/XXXX. I have an active account with XXXX in good standing that I opened in XXXX. I have no knowledge of any account with XXXX opened XX/XX/XXXX. I promptly contacted XXXX by phone and after being passed around to several representatives I was directed to their Customer Protection Security Department XXXX. The representative that assisted me in that department conducted an investigation and deemed the account from XX/XX/XXXX as fraud and updated my file ( screenshot to be attached ) to reflect that I have been a XXXX customer since XXXX and not XXXX. I'm not sure why XXXX and Zwicker want to conduct an additional investigation when I was already told by phone that this was fraud and I am not liable for this account. I would like this reinvestigated and I would like the CFPB to be provided with the recorded calls to XXXX on XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX where I was advised the account was deemed fraud and my file was updated.
03/22/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	VA 23803	Web
I went to use my debt card Saturday XX/XX/XXXX it was declined I called the bank to figure out why and learn I had a garnishment and my account was frozen the bank gave me a number to call, I called to see what was going on to learn that I had been sued by zwicker and associates in Ohio a state I haven't lived in for 15 years and was sending all correspondence to a XXXX XXXX XXXX address in Ohio instead of my address on file with the original creditor. The " attorney '' I spoke with was completely unprofessional and refused to give me any information saying it was all confidential even though the suit was against me and refused to release my account even though they illegally sued me in another state and i never received any correspondence of said suit or debt collection and the disclosed my information of my debt to an unknown individual. I had to get in contact with the original creditor to explain the situation whom then contacted zwicker and associates to file a motion to vacate and release my account because the address they used was not one in my file or the state I live in. Zwicker and associates are practicing illegal tactics to not notify the parties with malicious intent for parties to not show up to court. If this happened to me, how many other people has it happened to? I believe zwicker and associates need to be investigated. My rights were violated.
02/27/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web
I received a letter from a lawyer 's office regarding a credit card debt. The creditor is XXXX XXXX. I reported this account to the creditor and the credit bureau as a fraudulent account that I did not make. I stated that the account was applied and made by identity theft. Once I discovered the account 's existence, I reported a police report with an FTC identity theft report. Also, I requested proper verification to be processed for the fraudulent credit card account. Unfortunately, the credit did not provide any documents to me suggesting that I applied and used the account. The only documents I received were monthly statements of the fraudulent accounts. I requested a specific document, which was a written contract/agreement that was made between me and the XXXX XXXX. I do not understand how XXXXXXXX XXXX can sell this fraudulent account to the collection agency when they clearly failed to conduct a proper verification process of this fraudulent account. Also, the date Zwicker and Associate posted on the upcoming lawsuit is XX/XX/XXXX and stated that I must reply back within 30 days. I only received the letter today, which is XX/XX/2021. I know by law I have 30 days to respond back to them, but I only received the letter today. Zwicker and Associates are playing games with me in order for them to not to provide any verifiable documents to me.
04/01/2022	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	MI 48092	Web
Zwicker & Associates continues to harass, mislead, and intimidate me with hostile collection practices. Multiple representative claiming to represent Zwicker & Associates contact me throughout the day, threatening additional legal action. Unbeknown to me, Zwicker & Associates sent a summons to a Michigan address for which I did not reside. At the time, I was living in California and was not aware of any legal proceeding by Zwicker & Associates. As of XX/XX/2022, I offered to settle with Zwicker & Associates at {$570.00} per month for 12-months. Zwicker & Associates declined my offer ( {$6900.00} ) and thus, demanded immediate payment including my bank account information. The following are the hostile tactics used by Zwicker & Associates. 1. Sued without properly notifying of a lawsuit, sued me in a state where I did not live, sending summons to Michigan, while I was living in California. 2. Threatened and suggested my credit would be damaged. 3. Attempted to seize my property, personal bank account, demanding my debit card information. 4. Communication tactics ( repeated phone calls, using threatening and abusive language, transferring me to numerous Zwicker & Associates personnel. 5. Threatened to take additional negative legal action, taxes, and garnishment if I did not provide access to my bank account. 6. Contacted me after requesting them to stop.
05/01/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23454	Web
Receive letter from Zwicker & Associates, P.C. who are supposed the law firm retained by XXXX XXXX XXXX XXXX. I submitted complaint with CFPB in form of a validation of debt letter/cease and desist, Affidavit of Truth, Invoice for federal violations accompanied with Exhibits. Copies were mailed physically to Zwicker & Associates P.C. as well. Since this prior submission of these documents. Nothing positive with respect to U.S. Codes was resolved. In fact XXXX XXXX somehow had XXXX send me correspondence telling me the consumer, natural person and original creditor pursuant to 15 USC 1602 ( g ) that the alleged debt ( this alleged debt is a charge off which there is no definition in law to define what this is, and I never consented to this being in any of my consumer credit reports ) was verified and also that it was mine. I never validated any alleged debt so it'll infuriated me tremendously to read that a credit reporting agency basically told me an alleged debt was mine without giving any law to justify so. This is truly depressing me. I feel extremely threatened due to the stature of XXXX XXXX believing they are above law which was enacted by Congress. So I'm submitting another Affidavit of truth including Zwicker & Associates XXXX, XXXX by XXXX XXXX also known as XXXX XXXX XXXX, XXXX, XXXX and XXXX.
05/21/2018	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	ID 83646	Web
Zwicker and Associates contacted multiple members of my family even after both them and the original creditor had both been told to not contact me. They contacted at least 3 members of my family multiple times. When they filed lawsuit they did it during the period of the XXXX required for debt validation. Even though they received a debt validation request on XX/XX/XXXXth they file suit onXX/XX/XXXXrd. They did not provide a true debt validation. They sent fraudulent manufactured statements in late XX/XX/XXXX. Even though the files were incorrect they proceeded to serve sewer service on my house. The thug they hired beat continuously on my door. I have no trespassing signs. The man peered into the windowed opening of my door over 5 feet from the floor. A trespass if privacy in XXXX. Then he tried to open my door. When I told him to leave from a side window he began kicking the glass of my storm door, and hit my porch lamp, breaking it. Further the very rotund man leaned on my porch beam and caused nails to start to to pull from its support. He shifted my porch fence by 3 inches from his intentional malicious injury to property. He then placed the papers in my mailbox. A federal crime. The lawyer an XXXX XXXX XXXX of XXXX XXXX wont tell me the name of the thug he sent to damage my house.
08/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 981XX	Web
I have disputed accounts on my credit report as identity theft with XXXX several times : XX/XX/XXXX and XX/XX/XXXX, XXXX and XXXX of 2020. The items reporting are for 2 XXXX accounts and a XXXX XXXX XXXX account that do not belong to me. These accounts are the results of identity theft. They have deleted Zwicker & Associates whom XXXX hired to harass and sue me for these accounts yet will not remove the actually accounts on the same basis of identity theft. I have submitted a police report and other documents to XXXX, XXXX, and Zwicker & Associates yet they refuse to delete these items from my credit report. They are causing damage to my credit and preventing me from obtaining housing and other credit based items. I have even contacted both XXXX and Zwicker & Associates directly to request debt validation and yet none of them can provide with documents verifying these accounts are legitimately my accounts yet somehow XXXX has said they have verified them as valid. The only documents XXXX sent me were statements which do not prove ownership. All 3 companies have repeatedly failed to protect the consumer. This entire ordeal has brought serious emotional distress and financial distress. My rights as a consumer and under the Fair Debt Collection Practices Act have been disregarded.
07/19/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MD 21217	Web
Hi my name is XXXX XXXX. I am writing to report the unfair practices of Zwicker and associates XXXX. It has been over a year since I have requested information about my XXXX Account. Each time the company has asked me to write an email to a manager or to call back within a week. I was even working with a debt relief agency and Zwicker never responded to them to confirm the debt or to provide details on how to resolve this issue. During the last 3 months I have called repeatedly to inquire about this debt. Each time, I am told that the account is on hold and the specialist can not discuss details of the account because they are not an attorney. I need Zwicker to validate this debt in writing and give me the opportunity to pay it off. I must resolve this debt so my family can purchase a home or find housing in general. Due to this issue not being resolved, my process has been delayed and now my family and I live in a XXXX to avoid being XXXX. Please help as this has caused my family a lot of pain and stress. I am not trying to negotiate a debt. I just want to know what is owed so I can pay it in full. They dont have to negotiate with me, but they must allow me to pay the debt. This practice is u fair and unjust. The debt assistance program and loan officer are baffled by this.
11/30/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TN 376XX	Web
I received a letter in XX/XX/XXXX from Zwicker and Associates regarding a debt for XXXX. The letter indicated I could set up arrangements online so I did for the amount I could afford. The online system only allowed 6 months of arrangements. Due to a death in the family on XX/XX/XXXX, I did not extend the arrangements passed XX/XX/XXXX because I had too much in my mind. When I realized this in XXXX, I called and spoke to a representative of Zwicker who advised legal action had been filed because my payments had not been enough even though I never received anything from Zwicker advising this. The agent offered arrangements and a settlement that I could not afford. I studied all my finances and determined I could not afford what they were asking but I did set up a new arrangement on line that allowed again 6 months of payments. There was not a month of lapse in the XXXX arrangements, however, they are still pursuing legal action against me. They have never advised the minimum they need to avoid suing. I am attempting to pay the debt and they are happily taking the funds from my account. How can they allow arrangements to be made online for whatever amount you enter but still sue? Also, they have blocked me from accessing my account online to change the payment or extend it.
02/25/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 94577	Web
On Sunday XX/XX/2019, an unknown person who did not identify themselves rang the doorbell at our home. After repeated ringing, this unknown person suddenly started loudly pounding on our front door for a period of two minutes. This action startled my wife as she thought our home was being broken into. When she opened the door, she was told to give me a summons for the Superior Court of California , County of XXXX. The plaintiff is XXXX XXXX with legal representation by Zwicker & Associates, XXXX ( XXXX XXXX XXXX CA # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX CA # XXXX ), phone number XXXX. The amount of the outstanding debt was {$14000.00}. A settlement with XXXX XXXX/Zwicker & Associates was reached in XX/XX/2019 between Zwicker and XXXX XXXX XXXX with a payment being sent by my power of attorney XXXX XXXX XXXX on XX/XX/2019 in the amount of {$10000.00}. Given it is XX/XX/2019 and the settlement was reached almost 25 days ago, Zwicker & Associates had a professional and legal responsibility to inform the Superior Court of California to withdraw the summons in a reasonable and timely fashion. Due to their lack of informing the Court, my wife was put in a stressful and dangerous situation that has caused her emotional distress.
08/05/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 759XX	Web
Zwicker & Associates, P.A. filed a lawsuit stating XXXX XXXX is the Plaintiff, with me being Defendant for a debt I do not owe. In XX/XX/2010 I paid XXXX in full, {$8000.00}, I have record from my credit union as well as a credit report with a reported XXXX balance due. XXXX continued to report a balance and we disputed, then charging off/writing off their so called balance. This debt went to three other debt collection agencies and none of them could prove we owed debt either. Zwicker then purchased it.from one of the collection agencies. Many phone calls from this company that were threatening both to myself and my family. They then filed a lawsuit for a balance of {$1600.00}, we have asked numerous times for debt validation, explanation of why the balance is {$1600.00} and proof that XXXX still owns this debt after charging off on their books and writing off for profit and loss and receiving a tax break for it. Zwicker & Associates have been in direct violation of my rights both state and federal breaking numerous FDCPA laws with their bullying and unethical tactics.We are waiting for mediation in which Zwicke & Associates has cancelled twice, I'm assuming after reading my answer to suit which they wetre n't expecting.
08/24/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	FL 34982	Web	Older American
Zwicker & Associates, P.C. XXXX XXXX XXXX XXXX, XXXX XXXX I called this office several times to make a payment, only to be told that, I cant discuss this account with you, and being told that your account is in review. I was told that an Attorney would have to review my account. I asked the representative, " Can I make a payment to you today '', the answer was " no, I can't take a payment ''. I offered to make payments, offered to give you bank information to make an immediate payment. The Zwicker & Associate representative refused my payment. Therefore, on XX/XX/XXXX, I called XXXX and made a payment of {$1600.00}. XXXX took my payment information and sent me an email confirmation of payment. However XXXX did not post my payment. I have confirmation that XXXX took my payment, however they refused to post it to my account. In the meantime, they are reporting me to be 90 days late. These actions are WRONG! I have contacted The Attorney Generals office in XXXX and XXXX to investigate this matter. Your records should reflect the number of times Ive called to make a payment. I didnt know that you could deny my payments and report me late to the credit bureaus. I have proof that I tried to pay this account.
07/24/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	PA 182XX	Web	Older American
On XX/XX/XXXX I received a response from Zwicker and Associates through this CFPB and contacted the number on the response. I made my first payment of {$50.00} on the {$2100.00}. on XX/XX/XXXX. Today, XX/XX/XXXX I got paperwork in the mail which I can not attach a copy of that changes the amount both Zwicker and I agreed to to {$4600.00} plus interest plus filing fee of {$210.00}, service fee of {$62.00}, plus XXXX filing fee of {$39.00}, and am feeling threatened that if I don't agree and sign that if I don't sign I free them to take whatever action they deem necessary to collect more than what Zwicker and I agreed to after I filed my complaint. IF the initial lawyer had worked with me court would not have been necessary. When I spoke with someone I was told that XXXX agreed to the {$2100.00} amount so the lawyers in XXXX PA are not representing their client correctly Paperwork attached below. This is causing me unnecessary mental and emotional distress especially since I tried to resolve this account XX/XX/XXXX but was unable to. I was left with a very strong impression that XXXX would not allow them to work with me - I told them I could not afford {$290.00} a month then. I feel I am being harassed.
11/05/2019	Yes	Debt collection Credit card debt	False statements or representation Told you not to respond to a lawsuit they filed against you	OH 44256	Web	Older American
On XX/XX/19 spoke with Zwicker and associate XXXX XXXX and set up a payment plan. They indicated to us that after they receive the first instalment payment they would put the legal action on hold and we didn't need to respond to the court order. After allowing them to withdrawal XXXX for our first payment which was taken out of my bank account we recieved papers from them the following Monday to sign and return within 7 days from the agreement date which is roughly 3 days. These papers are the oppposite of what we agreed to and we called and spoke with they attorney Mrs. XXXX at XXXX and she refused to take responabilty. Further she said that we could not record the conversation and I told her that her practices were deceptive and she said she had to end the call. this is DECEPTIVE PRACTICES AND AGAINST THE LAW!!! We also contacted the original creditor, XXXX XXXX and filed a complaint. We have no intention of signing a jusgement order after they told us that it would be dropped as long as payment arraingments were set up and they recived their first payment. I feel as if I need to file a counter claim and sue them for deceptive practices. I do have a appointment with an attorney this evening.
11/08/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07860	Web
Subject : XXXX XXXX and their debt collection department Zwicker & Associate are not providing the account numbers for my three credit cards. Issue : 1 ) XXXX XXXX removed Auto pay access from the three credit card account. 2 ) XXXX XXXX & Zwicker & Associate refusing to provide account numbers for my three credit cards. I have the right to know my account numbers. 3 ) The monthly XXXX XXXX statements only provide the last 5 digits of my three credit cards. Background I intend to setup online bill payment with my Checking for which I need the 15 digit account number for my three credit card accounts. I reached out to XXXX XXXX on XX/XX/2019 around XXXX XXXX at XXXX and they referred me to debt collection department Zwicker & Associate. XXXX XXXX representative told me to call at XXXX which is the debt collector Zwicker & Associate. I called Zwicker & Associate and they referred me back to XXXX XXXX and refused to provide the three account numbers for which debt is owed. Zwicker & Associate said XXXX XXXX had instructed them not to provide to the customer. I contacted XXXX XXXX again and this time the representative hang up the call and didn't provide the account number.
11/19/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11368	Web
XXXX XXXX is fraudulently reporting and trying to collect on a charge from an old credit card that I has back in XXXX the card was lost/stolen and my identity was used to make unauthorized charges, and now 2-3 years later they sold the " fraud case '' to a collection agency. The collection agency keeps harassing me via mail, and phone calls, they have even sent a threatening letter to place me in jail if payment wasn't made on the old fraud/dispute case that has been settled and closed since XX/XX/2020. I have written proof that XXXX XXXX got the money back and it was covered under the fraud protection act. The FDIC insurance claims protection for fraud was honored to my knowledge of paying back the fraud charges. this protection is for when you have any credit card and file a fraud dispute which I did in accordance with the law. However, It's like they want a triple payment, since XX/XX/2020 XXXX XXXX considered the case closed and " wrote off '' the alleged debt. However, to my understanding, it was paid back under the FDIC fraud protection, and now falsely and illegally trying to collect a fraud/dispute case through a collection agency.
07/03/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92101	Web
I defaulted on a loan and it was sent to a collections company called Zwicker and associates. Once I got back on my feet, I called Zwicker and Associates and talked to XXXX XXXX and we negotiated a settlement for my debt. She assured me that the call was recorded for both my protection and her protection, but the company has not provided the recordings to me, though I have asked. We negotiated my debt down from {$11000.00} to {$7100.00} XXXX a difference of {$4700.00} XXXX as long as I paid by XX/XX/29. I called on Friday, XX/XX/29 and paid the {$7100.00}. If you listen to the conversation, it is clearly a settlement in full for the {$11000.00}. Now that I've paid it, XXXX has changed their reporting to say that I still owe the remaining balance and that I have just made a payment of {$7100.00}, even though I have a statement from Zwicker and Associates saying that the account is settled in full. This is extremely deceptive, as they are reporting as if the {$11000.00} was never discussed with their collections company and that I was just making a payment toward a balance, which is untrue. I was settling in full.
12/07/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 920XX	Web	Older American, Servicemember
I sent the court, Zwicker & AssociatesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX letters. The last letter dated XX/XX/ saying don't contact me anymore. You ( Zwicker ) failed to provide detailed information sent to me and the court so, on XXXX XXXX XXXX i sent a certified letter to Zwicker asking : 1. Statute of limitations for debt in CA is 4 years. I don't believe I owe this debt. I've never spoken to or had an account with Zwicker and Associates 2. I am retired XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am requesting following informstion from Zwicker : A. Send me original purchase agreement with wet signature. B.Provide me accurate creditor contact information. C.Provide me accurate account number and itemized billing ... when the debt was established and when and if the debt was charged off. D. More importantly, I am requiring Proof of ownership that Zwicker has a contract with with creditor and authorized to collect debt from me. If I do not receive all the information I will file a complaint with Consumer Financial Protection Bureau Cal.Civ Proc. Code Section 697.310, 697.340
05/05/2015	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	MA 015XX	Web
I am writing about the company called Zwicker & Associates, a debt collector located in XXXX, MA. I live in MA also and when my daughter was at XXXX XXXX I took out a MEFA loan for {$3000.00}. I fell behind because of a XXXX and was unable to keep up the payments. The loan was given to Zwicker and I have been paying {$100.00} a month to them for a couple of years. I asked them for a statement and received something that did not clearly tell me how long I will be paying this bill. I am helping my daughter by paying this bill, because I signed for the MEFA loan and she already pays about XXXX a month for her loans. I arranged with Zwicker & Assoc. to have automatic withdrawal at or near the XXXX of each month. I understand that I agreed to pay my MEFA loan of {$3000.00}. As I have been paying on this debt for two years at least, I should have paid {$2400.00} by now. I would like to have a written statement telling me if there are added costs that disallow me from having this debt paid in full in the next six months. Thank you for your help with this matter.
01/05/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	MD 206XX	Web	Servicemember
Zwicker and Associates did not follow the proper procedures before placing the garnishment on my checking account and they refuse to allow me to remedy the situation. I called several times to try to come to a settlement or set up payment arrangements, to no avail. I should have had notice of the garnishment and judgment filed against me, but I did not. I was never notified of the garnishment by this agency. Instead, I was taken by surprise when I tried to access my accounts at my bank. I was originally summoned to appear in court in XXXX 2016. However, I was not able to appear in court because of recently having had a baby XXXX the week before. This agency has refused to allow me to make payment arrangements and as a result, the judgment and the surprise of this garnishment places an undue burden on my household and puts my job at risk. I have XXXX children, have to pay daycare, and most importantly - I have to keep my job so I can pay rent. I am experiencing financial hardship as a result of this garnishment and this agency refuses to show remorse.
08/29/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	FL 32909	Web
I informed XXXX XXXX XXXX that I lost my job after being hospitalized in XX/XX/XXXX. I had no means to satisfy the debt. They continued to call me 3 to 4 times a day. The credit card in question was never applied for. We had never signed a contract. I called Zwicker & Associates PC after I was served with papers at my home informing me that they were representing XXXX XXXX in a lawsuit against me for the credit card balance owed. I offered to pay {$100.00} a month to satisfy the debt, they refused and said they would pursue suing me. I was told by XXXX XXXX that I would need to find someone else to pay the debt for me. That they would not accept a payment agreement unless I paid half the sum owed and an exorbitant monthly fee. I asked to speak to someone else. He said no one else would be able to help me, not the attorney 's at his office, or anyone else higher in his department. He said that there was no agreement to be made and the attorneys would be suing me unless I paid the balance in full or put {$3000.00} down and paid almost {$400.00} a month.
04/11/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NJ 08060	Web
I am writing to you regarding the Fair Credit Reporting Act ( FCRA ) and a complaint I have regarding your attempts to sue me for a debt while I am currently experiencing financial hardship. As you are aware, the FCRA is a federal law that regulates the collection, dissemination, and use of consumer credit information. The purpose of this law is to ensure that credit reporting agencies and creditors, like yourself, follow fair and accurate practices in their dealings with consumers. Despite my current financial crisis, you have chosen to take legal action against me for a debt that I am unable to pay at this time. This action is in violation of the FCRA, which prohibits creditors from taking legal action against a consumer who is experiencing financial hardship. Furthermore, the FCRA requires that creditors like you report accurate and complete information about a consumer 's credit history. In my case, I believe that your reporting of this debt has been inaccurate and misleading, as it fails to take into account my current financial situation.
05/09/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	FL 33064	Web
The loan company XXXX XXXX, a possible Virginia based small business loan company that deals online only set up a line of credit for my business. The business never received documentation and or loan information pertaining to repayment terms and interest rates and finance charges over the time of repayment. There was no contract executed and given a copy of to me the officer of the company, and now the company is trying to sue me personally stating I signed as a guarantor. There was no indication I ever was gon na be personally responsible and there was no documentation ever asked for basis of repayment for myself personally other than banking statements for the business. There is no account ever opened up on my personal credit report and I have been served by this company with a lawsuit in a state where I dont do any business and apparently this is the state where the company has operated from, in Virginia. I am a Florida resident and my business was a Florida based business, that has been corporately dissolved.
02/22/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30134	Web
Zwicker & Associates did not notified me of a pending lawsuit until I was served papers. When I contacted them, I explained that the debt was business debt and not personal debit. The agent refused to listen and started threatening me with more legal action if I did not pay them. The amount they wanted way way out of what I could afford. They told me to quit paying my mortgage and to shut off utilities to give them what they wanted. I gave them money out of fear. I have since lost my house due to their tactics. They had no legal grounds to come after me personally for a debt under an LLC. They had no legal grounds to pierce the vale of limited liability. A quick search online will show the amount of complaints and unlawful tactics the firm uses to scare people into giving them money. I have also not received any notifications about payments being processed or that the debt is paid off, which it should be. This firm is out of control and using predatory and illegal tactics to scare people into paying them.
11/25/2019	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NC 28278	Web
On XX/XX/2019 until the present, Zwicker and Associates has violated my rights. The following things happened. ( 1 ) Zwicker & Associates, PC, the company that is filing this claim has no consumer insurance license to collect in the state of North Carolina. According to the North Carolina statues 58-70-5, Zwicker & Associates must have a license in the state to collect. ( 2 ) FDCPA rights has been violated under section 807 ( 2 ) XXXX XXXX has charge off this debt, and Zwicker & Associates now owns the debt, and this claim is filed incorrectly. Exhibit A shows that the debt has been charged off which means that XXXX XXXX has given up on collecting this debt. ( 3 ) My FDCPA rights has been violated according to section 809 ( a ) 2-5, that they are required to send a notice of debt, and I never received a notice of debt or validation of debt. Zwicker and Associates is only licensed in 3 states and not North Carolina. This is a felony in the state of North Carolina.
04/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MA 01876	Web	Servicemember
On XX/XX/XXXX I sent a check in the amount of {$2000.00} to settle a charged off debt owed to XXXX XXXX. On the back it stated " By cashing this check you agree to remove this debt from all credit reporting agencies in North America. This also resolves my entire debt with XXXX XXXX and XXXX XXXX XXXX XXXX. with this final payment. This is called XXXX and satisfaction agreement. '' The letter explained the complete transaction including file numbers and account numbers. I provided ID, proof of residency and proof of said transaction. At this point the account has not been removed or even labeled as disputed. I then sent letters of complaint on XX/XX/XXXX to XXXX, XXXX, and XXXX stating the same and requested the removal of the account with no response from any of the agencies. I sent these letters return receipt requested so I can confirm they received them. I can provide copies of the receipts if you need them. Thanks in advance for your help with this matter.
02/15/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MA 017XX	Web
Zwicker And Assoc. out of XXXX, Ma are attempting to collect on an account that I defaulted on with XXXX XXXX. They have sent me numerous legal documents and filed judgements against me but as many times as I have called their office and tried to speak to an attorney, they are never available. I am only able to speak with collection agents and Managers. These agents and Managers are extremely pushy and insist on getting me to pay amounts I simply can not afford. I have a number of debts that I am trying to resolve and they keep threatening Garnishment and will only make 3 month payment arrangements so they can try to push me to higher and higher amounts. Even then, theyare clear to let me know that they will not remove the threat of garnishment unless I pay in full. They refuse to make an affordable payment agreement with me. I am going to send them what I can but am in great fear that they will garnish my wages even though I am paying them regularly.
10/26/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 77539	Web
Filed a previous complaint XX/XX/2020 for XXXX sending a postdated threat of legal action/lawsuit if I did not pay by the postdated date stating in the threatening letter sent to me. I did go on to make payment arrangements with them on the premise that I was told in a recorded conversation that if I had difficulty making this monthly payment that they would work with me. When in fact I did need them to work with me because I was trying to get back into the workforce to be able to meet the payments, I was yelled at by a XXXX debt recovery representative, and also threatened. I have now learned they have a lawsuit pending against myself tbrough Zwicker & Associates. I was not served for the pending lawsuit, or informed or sent a summons to this date of today. XXXX gave me a phone number to call Zwicker & Associates that is not a working number, and just answers and hangs up, leaving no way to reach Zwicker & Assoc. to try to resolve the matter.
01/29/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA XXXXX	Web
had a prior complaint ( Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 Product : Debt collection Issue : Attempts to collect debt not owed ). I did not receive a copy of the original settlement letter from Zwicker and Associates stating the amount and terms of the agreement. I need that from XXXX or Zwicker and Associates. They stated an amount but they did not send documents or proof of agreement. I was told the original settlement amount was 65 % of the XXXX total. That is roughly 2600.00. When I requested this in writing along with an itemized receipt I was told I would not get a letter until completion of payments ( which I was told was XXXX, not XXXX. ) Zwicker made the agreement so they should have it in writing somewhere. Something showing the total amount and not just verbal. They have already received XXXX and XXXX and XXXX are now requesting the full amount of XXXX again. Is this legal??
01/06/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 22406	Web	Servicemember
I received a garnishment summons in the mail from c/o Zwicker & Associates, P.C that are representing XXXX XXXX XXXX XXXX on approximately XX/XX/2019. This is in the amount of {$2600.00}. I tried contacting them to find understand what was going on and what this debt was about. I then sent out a certified letter on XX/XX/2019 in an attempt to have them validate the debt. They did not respond or answer the letter that I sent out which should have been delivered on XX/XX/2019. I have had my personal information compromised in the past and want to be notified of what's going on. By law they must validate this debt and provide evidence showing my signature on it showing that I have an agreement with them. They need to comply with the FDCPA and verify the information or have it deleted. It has been over 30 days and they refuse to validate the debt or even show that I am disputing it which is a violation and I am owed {$1000.00} in damages for this.
03/16/2019	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77373	Web
I was contacted by XXXX XXXX from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Massachusetts XXXX ( XXXX ) XXXX ext XXXX on XX/XX/XXXX XXXX at XXXX which is my employer telephone number. I advised Ms XXXX that she conacted me at my employment number and she should stop contacting me at this number for the XXXX XXXX XXXX. My employer telephone is accessible to other co workers and the phone recorded. Ms XXXX contacted again on XX/XX/XXXX at XXXX and left a voice message in regards to debt. Ms XXXX contacted the third time on XX/XX/XXXX at XXXX in regards to this same debt at my employment number as tried to collect on this XXXX XXXX XXXX. Advised her again to stop contacting me at my employment telephone in regards to this debt and I will have an attorney contact her. My phone is monitored by my employer and all incoming calls are screened for customer effectiveness. I am afraid this call will be listened as a result. regards, XXXX XXXX
05/19/2021	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	20874	Web
Company is calling repeatedly during appropriate hours after notification that arrangements had been made with the creditor long before they got involved. The account is paid regularly and while not necessarily on the date due but not far from it.he account began with a debt over XXXX and is not nearing XXXX. Its not a problem and is always paid. We wrote letters to the company demanding the calls cease. Offering multiple other ways to contact. Letters were sent on XXXX and XXXX. Calls continue. Most recent calls are twice to 2 differing phone numbers today XXXX at XXXX XXXX Also, calls were made on XX/XX/2021 at XXXX XXXX XX/XX/2021 XXXX and XX/XX/2021 XXXX XXXX Otheer times as well but apparently they were not logged. We will continue to do so, but still the company had been advised to cease and desist and have failed to do so. We have the right to stop them from calling and have not done so. Please do what you can. Thank you. XXXX XXXX
01/30/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	MA 02136	Web
It was on XX/XX/2017 a family member got my information without my knowledge apply for a personal loan from XXXX personal loans. XXXX didnt contact me first before giving the money away and giving the money 3 days after the family member sent my information. {$20.00} giving by XXXX in my name were a abused because I didnt make that money in a year working as a XXXX XXXX at that time make me frustrated, crying every day for a money I didnt used or got. It was on XX/XX/2017 I know this happened to me while I went to payed my bills, I can not believe my eyes and It was true. Called them next day explaining my situation they didnt believe at all and I filed a police report, nothing as ever changed put my name in shame for a thing I didnt do. I want XXXX to be prosecuted for this because it didnt care for their customers and I want justice. Those companies put an hard inquiries in my credit too I want them to clean my name on theirs.
06/06/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CO 80228	Web
On XXXX XXXX , 2017 my employer 's payroll department notified me that my wages were to be garnished by court order. The law firm responsibl e, Zwicker and Associates, PA, did n ot notify me of the lawsuit and I did not receive any court summons. Furthermore, the action was not brought in a jurisdiction where I resided at the time, nor in the jurisdiction where I signed the contract sued upon. I attempted to resolve this debt and put a stop to the garnishment by furnishing payment to the firm. I called them and was told to send guaranteed funds to XXXX XXXX XXXX , XXXX , MA XXXX by overnight shipping. I did this, and tracked the shipment. XXXX indicates that it was signed for by one XXXX XXXX . In spite of the fact that they have received payment, they are continuing with their attempt to garnish my wages, and are actively ignoring all of my attempts to communicate with them.
09/02/2018	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 75165	Web	Servicemember
To the best of my knowledge and memory I make the following statements. Zwicker and associates ... 2 separate incidents on 2 separate calls on XX/XX/2018 in regards to myself asking about what is a " consent to release form. XXXX XXXX ... think I have last name spelled correctly may or may not have misled me. He stated that the consent to judgment was " basically the same letter " that was emailed to me earlier ( settlement agreement ) and that it would be my way to agreeing with the settlement for lower amount ... also, called XXXX XXXX lawyer and spoke to a woman. I asked her to connect me with the attorney to please explain the papers sent. She said that the papers were sent earlier that day ... ... in the same conversation she stated to me about the rule 11 and consent to judgment " if you do t sign it we will take you to court '' these statements are concerning to me. Are they to you?
02/15/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	FL 32068	Web	Older American
I have been making monthly payments since XXXX/XXXX/2015 to a debt collector for a debt I incurred on a Credit Card. I misunderstood that at the end of each year I had to contact them to arraign payments for the next year. I noticed that they were not drafting payments any longer and had not contacted me and I received in the mail a letter from a Attorney and a copy of a Case Inquiry the collector file in Court so I contacted the original Debtor ( XXXX ), they in turn referred me to the debt collector. I spoke with the collector and ask why they had not called me. They said they tried on many occasions and got no reply, The number they had on file was NOT my number and i ask where they got that number, their response was " I do n't know ''. Now because they have filed the Case Inquiry they are unwilling to resolve this in a reasonably manner. My only option from here is to file bankruptcy.
01/28/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CT 06704	Web
I was contacted by a company called Zwicker and Associates on behalf of XXXX XXXX. I tried contacting XXXX XXXX to explain that I have never had an account with them and that I have been a victim of identity theft and that I did not authorize these accounts. I gave them my information and they updated it within their systems, and then told me that my account was transferred to a debt collection agency. I contacted them and was told that these accounts were forwarded to a civil matter. I was not made aware nor was I served any papers for a civil matter. The information that they had within their system does not and did not match my address the only information that matched was my name and social. I tried explaining that I have been a victim of identity theft and they are telling me that I am responsible for these accounts. I did not authorize these accounts and they do not belong to me.
08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 302XX	Web
I have disputed 2 addresses with XXXX, and they keep refusing to remove it. It is not my address and I have never gotten any credit from this address. I have lived in my same home since XXXX. They say it is a XXXX XXXX. I have had cards where a business used my information to open the cards. I have sent XXXX that as well and told them to send me validation it was mine and they still can not validate the debt or show me proof of how these addresses are mine. It is hindering me as when I need to verify myself it wants me to use an address that is not mine. Why are addresses being used that are not mine and fraudulent and why can't I have them removed when they can not prove they are mine? This is very frustrating for me that people can use my information and I am forced to keep it on my credit report, and it is not me nor have I ever used these addresses. I am not sure what else to do.
03/23/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91302	Web
I'd like to be clear that the options presented for my complaint were not specific to my complaint or concern. I have an existing repayment plan with the law firm Zwicker and Associates regarding my XXXX credit card and have asked to help me reduce or skip my payment due to loss of income resulting from the pandemic of the corona virus. many of my other creditors have been more than willing to work with me with the exception of this law firm. They are telling me they cant help. It is ALL OR NOTHING and if I dont make this month 's payment this will void my agreement and will have to renegotiate my settlement arrangement. I have never had an issue making my payments in the past. I dont feel it is fair that they are not offering any options to help in this crisis that is affecting us and people all over the world. They are heartless and unfair. Zwicker and Associates XXXX XXXX XXXX
02/19/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 92115	Web
I attempted to call my creditor to resolve my account, and they transferred me to the law firm managing the account. The law firm refused to accept my proposed payment arrangement based on my capacity to pay at present. The law firm representative advised that the account was litigated, and that there was a real estate lien on my property. I do not own property. It is apparent to me that they were attempting to intimidate me with this false information as a means to collecting the entire balance immediately. The representative and supervisor with the law firm stated that they would not accept my proposed payment arrangement because " it does not meet the requirements of their client '' ( the original creditor ). The communication with the law firm representatives ended with their confirmation that they refuse to accept my proposed payment arrangement to resolve the account.
06/20/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 75078	Web
Zwicker and associates is trying to collect a debt I have with XXXX XXXX. They claimed to have sent several letters. I received one. I attempt settlement. They asked for a large lump sum when I said I couldnt they offered a large monthly payment. They said they would sue me, take my home, garnish my wages, call my employer and seize my accounts. They told me to sell my things and clear my bank to pay them. I was told they would ruin my credit if o didnt come up with the funds. I have been working with a settlement company who told me they would help. Zwicker will not speak or deal with them. I have had horrible stress and illness due to their tactics. I was served papers on XXXX XXXX. I responded XX/XX/XXXX. XX/XX/XXXX notice of submission was sent. I have a court date on or after XX/XX/XXXX. I have yet to receive anything for my review as I can not access my accounts.
02/08/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 94025	Web
ZWICKER AND ASSOCIATES HAVE LIENED MY PROPERTY FOR {$50000.00} FOR THE DEBT THAT BELONGED TO MY EX-SPOUSE. I ATTEMPTED TO CONTACT THEM TO REQUEST A LIEN RELEASE BECAUSE THIS WAS NOT MY JUDGEMENT AND WAS NOT MY LIEN AND WAS NOT MY CREDIT CARD IN FIRST PLACE BUT ZWICKER AND ASSOCIATES ASKED FOR MY PERSONAL INFORMATION SAID THEY WOULD RELEASE THE LIEN INSTEAD THEY NOW CALLING ME THREATENING TO ARREST AND GARNISH WAGES IF I DON'T PAY THIS JUDGMENT FROM XX/XX/2011 THAT BELONGS TO MY EX- WHO IS NOT ON MY PRORTY. I SENT THEM SEVERAL LETTERS SINCE XX/XX/XXXX OF LAST YEAR WITH NO RESPONCE FROM THEM. NOW THEY ARE CALLING MY WORK IT IS EBARACING BUT THEY ARE LEAVING MESSAGES WITH RECEPTION SAING THAT I HAVE A WARRANT OR SOMEONE WILL ARREST ME IF THIS IS NOT PAID. HOW IS THIS OK .... THIS IS NOT A LEGAL LIEN AND SHOULD NOT HAVE BEEN ALLOWED TO BE LIEND ON MY HOME PLEASE HELP HELP HELP
10/15/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	SC 296XX	Web
I received a letter from Zwicker and Associates LLC., dated XXXX XXXX, 2016, demanding payment on a loan assigned to them by XXXX for collection of {$23000.00}. However, the same loan was previously assigned to XXXX XXXX XXXX, which agreed to cease and desist on this account, via attached letter dated XXXX XXXX, 2016, since they could not verify the loan as being mine and promised to notify XXXX that they could not match my information. I do n't understand why XXXX has reassigned the loan to Zwicker and Associates despite the previous collection agency not being able to disprove my claim that I do not owe this loan. I have not borrowed money from XXXX XXXX XXXX services and thus request CFPB to please compel XXXX and Zwicker and Associates to desist collection on this account from me. I am afraid I have become a victim of debt tagging.
05/16/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11225	Web
The debt of {$1800.00} from XXXX XXXX was transferred to a debt collection law firm by the name of ZWICKER and ASSOCIATES in XX/XX/XXXX. I have called multiple times to XXXX who has always transferred me to the law firm for discussion concerning the debt since the law firm Zwicker and Associates now handles the debt. Zwicker and Associates the law firm handling the debt have refused to discuss the debt with me. They keep saying " The account is on hold and they can not discuss the details of my debt at the moment. '' This has been going on since XX/XX/XXXX and till now they refuse to discuss the debt with me. I have asked for a letter of debt validation from them but they keep forwarding it to XXXX to do their job for them. This has messed up my credit further and has prevented me from receiving credit for any amount.
04/21/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NY 121XX	Web
Settled debt with Zwicker & Associates P.C. ( XXXX ) for less than full amount on XXXX/XXXX/15. They took payment and told me that I would get a letter noting this after 21 business days had passed based on what some bank told them they need to do. I have called them @ XXXX a total of XXXX times requesting this letter and have been told that it was mailed but have not rec 'd it. After calling again today XXXX/XXXX/15 ( XXXX XXXX-ext XXXX ), I was told that XXXX of their attorneys has to approve the letter being sent but they would not allow me to speak with this attorney for clarification. I asked for a supervisor ( XXXX XXXX-ext XXXX ) but was told he was too busy to speak with me. I believe that I am getting the " run around '' and would like to file a complaint as this seems to be an unfair debt collection practice.
11/16/2017	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA 22201	Web
I am getting repeated calls on my cell phone from this company, often times multiple times per day. The calls began onXX/XX/XXXX and have not ceased. They leave no voicemail or ever ask me to call back. They have now begun harassing a landline number that where I used to reside but no longer do. They have engaged in notifying the people at this landline the reason for their call and the amount of debt they are attempting to recover. They began calling the landline as of XX/XX/XXXX and even when being told that the person they are looking for does not reside at this location, they continue to call on a daily basis. As of XX/XX/XXXX, they have now proceeded to harass my father on his cell phone and have called him two times. They have proceeded to notify my father of the reason for the call and the debt owed.
12/20/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 301XX	Web
Since the first week of XXXX me and my mortgage lender have been trying to get a payoff good for 30 days. When we finally got the payoff on XX/XX/XXXX, it was dated XX/XX/XXXX and expired XX/XX/XXXX. The loan will close on XX/XX/XXXX but the creditor will not receive their money by the XXXX, not enough time. When we requested an updated payoff they refused unless I make a payment. These people have already garnished my bank account {$1400.00}. And didnt even deduct that amount from the payoff amount. We are wanting and are going to pay this debt. The refinance loan has already been approved, closing date scheduled. Can you please help me with this? XXXX XXXX represented by the firm of Zwicker and associates. I have never had so much trouble trying to pay someone. Please help. My number is XXXX
04/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30341	Web
Ive paid XXXX by XXXX XXXX Bank XXXX for a loan amount that I owed. The bank hired zwicker and associates pc to collect the damn. I negotiated a payoff in the amount of XXXX and paid the balance in two payments. Payment one was on XX/XX/21 in the amount of XXXX and the second on XX/XX/21 in the amount of XXXX. Ive contacted both Zwicker and XXXX by XXXX XXXX and they have both been no help. I have a paid off balance letter from Zwicker and XXXX XXXX XXXX XXXX says they do not have it and I still owe the balance. The XXXX companies will not speak to each other as Ive tried everything as a consumer to get this fixed. XXXX has no way of contacting Zwicker to get this updated. They have been reporting that I still owe a balance and reporting me late every month for something I do not owe.
11/08/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TN 377XX	Web
I had a summons to XXXX County General Sessions Court today regarding the plaintiff XXXX XXXX vs XXXX XXXX. XXXX XXXX mailed new a letter stating ; the account has been charged off and Zwicker & Associates is the business with the debt. The Tennessee Collection Service Board and Tennessee Commerce and Insurance Commissioner XXXX XXXX have repeated that they have no jurisdiction over Tennessee Foreign For Profit Corporations : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Zwicker & Associates. All of these companies are active according to the Tennessee Secretary of State. I have a court hearing on XX/XX/2020. I want to better understand the jurisdiction of these companies mentioned above. Who has the jurisdiction over Tennessee Foreign For Profit Corporations?
09/25/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IN 46321	Web
I was taken to court by this company while I was out of the country at the time and was unable to appear in court to respond to the court date. Over the summer, I had unforeseen circumstances and fell behind on the payments that were forced upon me as a result of my not being able to appear in court. This has caused me emotional distress, and I am requesting that the remainder of this debt be removed because the initial judgment was unfair in the first place. Since I didn't have the opportunity to defend myself in the initial judgment, They are engaging in unlawful practices of intimidation and abuse in their collection activities. It is wrong and unjust. There are laws that strictly forbid this type of behavior. They also called last Friday at XXXX XXXX regarding my debt.
03/13/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA XXXXX	Web	Servicemember
Good morning my name is XXXX XXXX, I am writing to let your office know that I'm still being harassed by ZWICKER & ASSOCIATES. I first reported this business on XX/XX/2019 ID # XXXX XXXX because they were trying to collect the debt by suing me, they send their notice with a sheriff to my home. They are supposedly trying to collect on a debt for XXXX XXXX, by the way that account has been closed. All I'm asking is verification and a signature. A contract that shows my signature. I dont needs statements. If XXXX XXXX couldn't provide it either and instead chose to close the account why is this collector continue to harass me. I am trying so hard to clean this mess and I don't need collectors pretending to collect on a debt it doesn't exist. Thanks in advance for your help.
10/23/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 77478	Web
Good morning, I have loan with XXXX XXXX Bank about XXXX towards credit card. I did make several payments, during COVID. Due to covid hardship XXXX XXXX turned my case to Lawyer ZWICKER & Associates, P.C. Lawyer filed my case into District court. While court is handling case lawyer Zwicker & Associate kept bullying, lies and has been harassing me which affects my job and health. I have been having XXXX XXXX and high XXXX. Due to covid hard ship, being as a XXXX mother this is placed additional stress on me. I tried to make financial arrangements with XXXX XXXX, but they refused. I made payments towards my loan prior ; they did not even count those/ mentioned. Lawyer have been harassing me since XX/XX/2022. I am willing to provide all document which I received from Lawyer.
06/11/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NY 128XX	Web	Older American
Received letter from Attorney XXXX XXXX XXXX stating that a lawsuit has been filed. XXXX XXXX Index XXXX. I have not received anything about this. I called the County Court and was told that an incomplete summons was filed. This was apparently filed by Zwicker debt buyer attorneys. I have never received any information regarding anything from this Zwicker at all. Their website is extremely frightening and confusing to the consumer filled with legal terms that the average consumer does not understand. Hence, I am contacting CFPB for help. I have been paying americian express on my fixed income. Why am I being threatened by a lawsuit when I have been paying? I do not understand. I am a senior citizen on a fixed income and am doing my best. Please help me.
08/01/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MD 20879	Web
On XX/XX/2023 at XXXX XXXX, I received notification from my bank that my account balances were {$0.00} for both my checking account and my savings account. I thought it was a fraudulent situation so I called my bank. I was told that it was a court order in the state of Florida to garnish my accounts. I have not received anything in writing nor any phone calls about this. I was given a phone number to call by my bank and it belongs to Zwicker and Associates, but because it's after hours, I was unable to speak with anyone. Over {$3000.00} was taken from me and I have a pending rent payment of {$1900.00} being processed as well as other bills on automatic draft payments. How is this possible with no notice to me?! No letters, calls, or any communication.
11/30/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TN 38119	Web
ZWICKER & ASSOCIATES, P.C. a debt collector is claiming inaccurately a debt i am not contracted with. I have sent letter certified mail with return receipt to ZWICKER & ASSOCIATES, P.C. to dispute the erroneous collection, There must be a contract between us. Contract Law supersedes all Federal and State Rules, Regulations and Statutes. If you they the XXXX in this matter, I need a copy of the contract between us to continue further communication. I do not give permission or consent by assent for them to enter as a third party to this alleged civil dispute, nor to issue letters of threat to my private property or person, including you reporting to various credit reporting entities. They have caused me severe harm and XXXX to me and my family!
06/05/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	FL 33138	Web
I have had payment arrangements with this debt collector for several years now. Thay have been taking the arranged payment from my bank account on a monthly basis. The terms of my arrangement have expired and they claim that because I have n't contacted to make new arrangements, they have opted to sue me. XXXX days prior to being served, this company did take a payment from my account. I have never received any kind on notice outlining new payment arrangements.. I have never been sued and I find this to be just an excuse to get additional money from me. I am emotionally distraught over this. They have served me and I want to know if I shoulld retain a lawyer to protect me from any further action. I do n't want to tarnish a very good credit rating.
11/16/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
on XX/XX/XXXX I got a phone call from Zwicker & Associates P.C explaining I had a debt. with them since XXXX. I live in Texas and the statue is 4 years. I explain that they never reached out to me and this was the first time I was hearing from them. I tried to get the mailing address from the fist agent I spoke to ( XXXX XXXX in order to send a request for verification but the agent refused to give it to me. If I am not mistaken the law requires them to send verification documents within a week. They failed to do this. I never got anything from them. I also believe they have been calling me at work which is embarrassing and upsetting to say the least. Since they failed to send me the information they can no longer harass me. pleas assist me.
01/12/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 11208	Web
I had a credit card with XXXX XXXX. I went through a hard time personally so I entered into a collection agreement with a law office that I believe XXXX had assigned names Zwicker & Associates. The agreement was for 1 year. The settlement was for XXXX XXXX XXXX in the amount of XXXX$480.00}. The total was {$5700.00}. I have proof on my XXXX account that I was paying them for that year. XXXX still has it on my credit report. I need help in order to get this off. I did my part but it seems that no one is trying to help me. I even tried disputing it through XXXX. I also called the company and they said that there was no contract to forward me to review. This made me think they were trying to scam me. Thank you in advance, XXXX XXXX
12/23/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 31909	Web	Servicemember
ZWICKER & ASSOCIATES, P.C. ATTORNEYS AT LAW From : XXXX, Ma. sent a sheriff deputy to my house trying to sue me for a credit card debt that I am disputing with XXXX XXXX due to the fact that my information has been compromised with XXXX and XXXX and others. I wrote to XXXX XXXX and they never responded. I am requesting validation of the debt. My personal financial information has been compromised in a few sites and I been trying to clean this mess for a long time. This creditors and lawyers use the law to intimidate and harass customers and I don't appreciate the fact that a sheriff came to my house to serve me paperwork to sue me. As a consumer I have rights and I don't understand why is so hard to provide the validation of the debt.
07/02/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	SC 29710	Web
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. Thank you for your consideration in this matter.
04/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32221	Web	Servicemember
My wife and I planed to have a screened in room built in XX/XX/XXXX, a man came out to my home from a company XXXX and went through everything with us the cost was {$10000.00} we signed paperwork for a loan from XXXX, we never heard from the bank or XXXX. 30 days later we received in the mail a bank statement for the amount of {$5000.00} to be paid to XXXX We called XXXX but could get any answers to why we own money come to find out XXXX went out of business and somehow had gotten money from XXXX ( scam ) and the bank is trying to collect money from us we hired a lawyer to look in to the matter but its been so long ago we though the case was done and free of the bank until it showed up on my credit report judgment XX/XX/XXXX
04/11/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	GA 30294	Web	Older American
A debt collection consolidation company I contracted with back in XXXX last year must have asked for proof of debt from XXXX XXXX 's debt collection agency, Zwicker & Associates, on or around XXXX/XXXX/XXXX. The company I contracted with, XXXX, XXXX, never told me they were requesting this information so I was surprised when the XXXX & XXXX lb. package arrived at my door opened, contents spilling out. I believe Zwicker & Associates deliberately sent the information to my home instead of XXXX to deliberately cause me financial harm and compromise my personal information. I have know way of knowing how many eyes had access to my credit history going back to XXXX. I will upload pictures of the packaging as received at my home.
03/12/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TN 38301	Web
On XX/XX/23 I authorize payment of XXXX with Zwicker & Associates. But on that Friday they refused to except the payment amount I agreed to pay by XX/XX/23 It was supposed to come out from my bank. But that did not happen, I spoke to my bank and they couldn't see if a withdrawal was attempted. Later on ZWICKERPC.COM I tried to make that payment online, but on Zwicker payment system, I saw a different amount then what I agreed to and they also agreed. Now I see a amount around XXXX and this is a lot different from our agreement. I also have a letter from Zwicker saying that they are authorized to relive me of the decovery card dept ... .I feel that are committing astortion, and I know that is a crime.
07/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NY 10021	Web
The debt collection firm, Zwicker & Associates, PC called at my place of business at odd hours, harassing me about an alleged debt. I spoke with XXXX XXXX XXXX XXXX who claimed to work for Zwicker & Associates and I had asked him to provide me with the proof of the alleged debt from XXXX XXXX to be sent to me by XXXX, which was never received. On XXXX XXXX, 2016 I responded to a message left with my answering service and called the number XXXX and asked to speak with XXXX XXXX. The company switchboard answered and did not recognize his named I am concerned about the harassment from this debt collector and their communication tactics as well as their misrepresentation about an alleged debt.
02/14/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77009	Web
My business was contacted by phone by Zwicker & Associates on XXXX XXXX, 2023. A message was left for me, XXXX XXXX, to return their call. On XXXX XXXX, 2023, Zwicker & Associates called my personal cell phone and claimed that I personally owed an alleged debt. Zwicker & Associates refused to supply any written information on the alleged debt. Zwicker & Associates forcefully tried to have all communications through electronic means, in which I strongly declined. Since five days of the initial contact, Zwicker & Associates has failed to provide any written communications, as required by law, and as requested by the consumer, via USPS mail for an alleged debt that was already paid in full.
06/09/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IN 46226	Web
Zwicker & Associates violated FDCP A 1692e. Zwicker & Associates filed a false claim in Small Claims Court stating that Arbitration was terminated due to the Defendant ( Me ) failure to pay fees. Zwicker and Associates failed to pay fee causing Arbitration to be terminated. In XXXX arbitration, I am the Claimant and Zwicker & Associates are the Respondent. XXXX , clearly states the Respondent did not pay. Per XXXX ' Policy, they review credit card agreement and other documentation and decides who pays what and send a letter to all parties involved stating who pays. See Attachment. XXXX Zwicker & Associate knowingly lied on filed claim which clearly violated the FDCPA 1692e
05/18/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	RI 02861	Web
I contacted XXXX at the end of XX/XX/2022 because I had just secured a new job and I needed to clear an old debt with them before my license in Massachusetts could be granted. They transferred the debt to Zwicker and associates in XXXX, MA to handle. I received an email from XXXX that I could call and pay the debt 2 days later. I have been calling them frequently and I still can't make a payment. They keep telling me that the account is on hold but can't tell me why or how long it's going to take. When I mentioned that I feel I may need a lawyer, a manager told me that may not be a bad idea. I don't understand how they can put this on my credit report but won't let me pay it.
08/03/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28144	Web	Servicemember
I just received a notice from Zwicker & Associates, P.C, a debt collector of XXXX XXXX. This communication is to dispute owed of {$5700.00} from XXXX XXXX. My card was used without my permission by my ex husband and charges were incurred by him and other persons. I have always paid my debt timely and XXXX XXXX refused to take disputed charges off. As a result, my credit has been impacted and the debt was charged off and they refused to even file a claim. XXXX behavior violates consumer protection laws and the law firm is engaging in predatory debt collection practices. This is ridiculous, I want this deft off my credit ASAP. SO THIS IS MY FORMAL DISPUTE WITHIN 30 days.
05/10/2017	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	RI 02886	Web
XXXX /17 - This company has been calling my Mother 's home repeatedly. I have several different numbers for them : XXXX XXXX XXXX They are Zwicker and Associates www.zwickerpc.com XXXX XXXX XXXX XXXX XXXX MA XXXX I have sent letters to all companies I owed debt to explaining I do not live at my Mother 's. I am currently ill, filed for XXXX and have no job and no income. I have asked many times that they not call my Mother due to the fact she is recovering from XXXX XXXX XXXX and still undergoing treatment. These calls are harassing and I have no means in which to pay them right now so I can not resolve this until I have income.
03/15/2018	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	LA 70806	Web
On XX/XX/17 XXXX XXXX XXXX XXXX notified me by email that they were collecting balance due on credit card on behalf of XXXX XXXX. We made a payment and said we would call back when we would know how much we could pay monthly. We are a XXXX XXXX XXXX by the XXXX. Zwicker and Associates notified my XXXX XXXX of the balance due on the credit card and consequently we are facing termination of our XXXX. Which we solely depend on to do business. Zwicker overzealous collector XXXX and XXXX were very disrespectful to me. Calling the government ( XXXX XXXX XXXX XXXX ) to report our debt and purchases on the credit card was very unfair and lawful.
12/11/2023	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NJ 08234	Web
Zwicker and Associates issued a lawsuit on behalf of XXXXXXXX XXXX when I defaulted on a loan account. The promissory note signed between XXXX and myself mandates an arbitration clause that reads If either you or we elect arbitration, neither you nor we shall have the right to litigate that claim in court. XXXX is violating this binding promissory agreement by litigating when I have elected arbitration in this case. The attached promissory note also outlines that the arbitration provision survives termination of the loan and any legal proceedings by us to collect a debt owed by you. ( See subsection T of promissory note )
12/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 342XX	Web
On XX/XX/20 I was notified by an attorney soliciting my business, that I was being sued by Zwicker & Associates in the amount of {$19000.00}. I researched and found this online and to my surprise, found this to be true. I called their office on XX/XX/20 to attempt to validate the debt and understand why I didnt receive any mail. The representative told me that they had the wrong address. On the court document they have an address listed from 3 years ago. They made no attempt to locate my correct address and I never received any mail from them regarding this supposed debt, so I had no opportunity to validate.
03/10/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 33065	Web
I called the company Zwicker & Associates that has been calling me about a debt they say I own. I tried to find out the balance of the alleged debt owed and they told me " around {$7200.00} give or take ". My credit report does not list this company and the original debt is for XXXX XXXX and it says {$6800.00}. Also when I contacted them via telephone, I asked the company to not contact me by phone anymore back in 2019. After requesting that I was not to be contacted via telephone I still received phone calls. Furthermore, when I called I spoke to a manager and he was very aggressive and unprofessional.
07/28/2021	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	TN 38016	Web	Servicemember
The firm XXXX XXXX XXXX XXXX, in regards to XXXX XXXX is pretending to be a law firm, in a attempt to collect a debt that is not a debt from XXXX XXXX, I still have a account with XXXX XXXX where I can pay on the bill, so my complaint is with XXXX XXXX ( XXXX XXXX XXXX XXXX ) and Zwicker and Asso., for falsely claiming to be a law firm and collecting on a debt that is not a debt I'm still paying on it it's just a closed account that is still a apart of XXXX Zwicker and Association , XXXX XXXX XXXX, XXXX XXXX XXXX, claiming to be XXXX XXXX XXXX , They also called XXXX XXXX XXXX claiming this also.
02/10/2021	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	OR 974XX	Web
XXXX, XX/XX/21, XX/XX/21, XX/XX/21, XXXX company calls from different numbers all rigged to show up as XXXX XXXX on caller IDs. During the first call the company XXXX Zwicker and associates ) claimed to be working for XXXX XXXX, and that if I paid my debt it would not be reported to credit agencies as collections. I calledXX/XX/XXXX at this time and was told my debt had already been sold to a third party ( Zwicker ) and that it would/had already been reported to credit agencies. This company is putting elaborate efforts to mislead consumers about the state and nature of the debt is owns.
08/11/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 27616	Web
I recently discovered that a collection agent by the name of Zwicker & Associates is attempting to file a judgment against me in regards to a debt that is nearly 10 years old. Despite the fact that the statute of limitations to take such action has expired, I've still tried to contact this creditor to determine why and how they are taking such action without contacting me first. Well over a month ago, I wrote to the company and requested a detailed verification of debt to try to determine why their office was taking such action. However, my written request has gone completely ignored.
05/25/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC 270XX	Web
Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX set aside the Judgment. XXXX XXXX also stated that the statute of limitation 's was up and the debt from XXXX could not be collected by any other means. On XXXX XXXX I received a call from Zwicker & Assoc 80 Minute XXXX XXXX, XXXX MA XXXX trying to collect the XXXX debt. I told them about the ruling of XXXX XXXX and faxed a copy of Certificate of Service they said they would review the document. The firm North Carolina phone is XXXX XXXX. They have no legal right to try to collect the debt. I faxed the documents to XXXX XXXX at XXXX XXXX XXXX.
03/24/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	OH 44122	Web
i called to discuss a settlement on my account. the call was answered by a XXXX XXXX XXXX representying XXXX XXXX and his debt service Zwicker & assoc. After a formal id check this person became intolerant and offered me an unreal settlement amount. After he offered me a cash amount for immediate settlement which is not possible. On further discussion he told me that my wife is able to settle this account in full. My wife has seperate financial accounts and is not responsible for me in any way. He insinuated I was a liar. He became rude and intollerant and ended the call
12/11/2016	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	OR 97007	Web
I received a complaint from Zwicker and associates XX/XX/XXXX without a demand letter or any pre- knowlege of a lawsuit pending. I do n't know who the law firm/debt buyer is, and they did not attach an affidavit or show anything pertaining to the alleged debt they are trying to collect, and they have violated the fair debt collection practices act. If they were truly working for XXXX as they claim is the plaintiff, they would know I have a third party lawyer assigned to the case. That lawyer would have received the demand letter, but they did not.
02/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	VA 23454	Web
Please see attachments. This alleged account was charged off in XXXX, and is on my consumer credit report without my consent pursuant to the FCRA and FDCPA. In XX/XX/XXXX I received this letter from this law firm stating that I owe, that's a violation in itself. As I continued reading this letter it was abusive, threatening in nature and deceptive in all manner. Along with stating this communication is from a debt collector. I have sent to them the exact same Debt Validation Letter/CEASE AND DESIST ; Affidavit of Truth ; EXHIBIT A ; and INVOICE.
10/01/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	VA 22315	Web
A XXXX account was opened in XXXX using a previous last name of XXXX. I've shown XXXX my social security card with my current name issued before the XXXX account was opened, and my State Drivers License with my legal name on it. I had no knowledge of the account until I received a notice to appear in court from their law firm. I go to court XXXX XXXX, XXXX. I believe this is a theft case that someone stole my identity using my old name but same social security number ; it's not only XXXX, it's a few other accounts that were also opened in XXXX.
06/09/2023	Yes	Debt collection Credit card debt	False statements or representation Told you not to respond to a lawsuit they filed against you	MA 02176	Web
Zwicker & Associates refused to accept weekly payments online. They informed me that I will have to call each week to pay my {$20.00}. They have sent me a small claims court date of XX/XX/. I was hoping to pay this before court date. WHen I called they said I can't pay any other way except phone in which is very difficult. It is as though they want me to fail. I find this firm deceptive and they do have an online payment center. They are refusing this. I would like this firm to be repremanded. They are not working with the consumer.
07/13/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	NV 89052	Web
There is an old debt from 2011 that Zwicker and Associates, P.C. ( XXXX. XXXX XXXX XXXX, MN XXXX ) had filed and sued me in another State without my knowledge to complaint. The debt is too old for law to allow for any sued to be done now. They constantly send people to my ex-wife 's house or call my number or my ex-wife 's house threatening with wage garnishment or collections. I have had nemours conversation with them to stop harassing my kids and my ex-wife but the harassment continues. I just want the daily calls to my family to stop.
11/04/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MA 02128	Web	Older American
Zwicker & Associates mailed me a Judgement For Plaintiff notice on behalf of XXXX credit card. Zwicker & Associates claims I was served a summons on XX/XX/21. I was never served a summons. Total amount payable to plaintiff is XXXX, XXXX, according to this default judgement. I was never notified of a court date. Zwicker & Associates claims the complaint was filed on XX/XX/21, and a copy of the complaint and summons were served to me, XXXX XXXX, on XX/XX/21 " as appears from the officer 's return. '' I was never served.
06/16/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	GA XXXXX	Web
Zwicker & Associates, P.C. Attorneys at Law filed a judgement against me, we agreed to a payment schedule which I have abided by in fact I am about 4 payments ahead of schedule. A debt collector continues to call me requesting a payoff even though I'm ahead with my payments this is very annoying, he called on XX/XX/XXXX, XXXX and XXXX, again XX/XX/XXXX, XXXX & XXXX, is this legal for them to do with a signed agreement of payment schedule. It is better to contact me after XXXX or by email. Thanks, XXXX XXXX XXXX
10/28/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02124	Web
This debt collection company has continuously sent letters to my home to collect a debt that they have yet to prove it belongs to me. I have responded to every letter they have sent me requesting a copy of the contract showing that I actually owe the debt. They have only provided copies of credit card statements and no contract. This has started since XX/XX/XXXX, I have been summon to court on XX/XX/XXXX which is very frustrating because I have to take time off of work for a debt that does not belong to me.
03/28/2022	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	GA 30815	Web
Zwicker and Associates sent me a letter on XX/XX/2021 about an alleged debt owed to XXXX XXXX. I sent a cease and desist as well a debt validation letter with a green receipt that was received on XX/XX/2021. For the validation of the debt ZwickeXXXX sent me statements and terms and conditions pages. They never provided me the address and name of the original creditor. They have since taken legal action against me and filed a lawsuit. This is a violation because a debt collector can not be an attorney.
02/14/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 32750	Web
Zwicker and Associate P.C. Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This collection company written above summons me for trying to collect a debt without mention how much I owed or Can you please ask them the breakdown how much and complete paper works of why, when, who and where? Can you please advise or please help how to answer the summons given to me. By this fraud collection company. Lastly, tell this collection company to STOP sending summons or calling me. Thank you
02/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30213	Web
I am a victim of identity theft and I have received correspondence from XXXX XXXX stating that I was not responsible for the following accounts due to fraud : 1. XXXX XXXX XXXX XXXX # XXXX XXXX : {$3500.00} 2. XXXX XXXX XXXX XXXX # XXXX Balance : {$3600.00} I received a summon from Zwicker and Associates on the behalf of XXXX XXXX who is trying to sue me. I am totally shocked and feel like my rights have been violated because I am not responsible nor liable for these fraudulent accounts.
12/01/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 80020	Web
I received a call from Zwicker and Associates on XXXX/XXXX/2015 from phone number ( XXXX ) XXXX. I returned the company 's call and inquired as to what they were calling about. The representative I spoke with confirmed that they called me in error and that they had no account related to my phone number. I received another call from Zwicker and Associates on XXXX/XXXX/2015 at XXXX. I do not have an account in collections and the debt they are contacting me in regards to is not mine.
12/11/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA XXXXX	Web
had a prior complaint ( Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX Product : Debt collection Issue : Attempts to collect debt not owed ). I did not receive a copy of the original settlement letter from Zwicker and Associates stating the amount and terms of the agreement. I need that from XXXX or Zwicker and Associates. They stated an amount but they did not send documents or proof of agreement.
11/01/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	VA 22003	Web
On XXXX XXXX XXXX at XXXX XXXX XXXX, I spoke to a manager at Zwicker & Associate, XXXX XXXX, who lied about having a previous conversation with me. She stated that I had offered to pay {$4000.00} in a phone conversation I had with her a few months ago. I never had {$4000.00} to pay, so I know she was lying to get a settlement. A debt collector lying is, at the very least, an unethical business practice ; if it's not illegal, it should be.
09/14/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CO 80134	Web
I spoke with XXXX XXXX in the collection department at Zwicker & Associates on XX/XX/XXXX, and agreed to a settlement of {$2500.00} with payments starting on XX/XX/XXXX in the amount of {$100.00}, and than every 2 weeks of {$250.00} until the {$2500.00} was satisfied. Confirmation # XXXX. Today a received an agreement stating I agreed to over {$6000.00}, with payments of {$250.00} every 2 weeks until XX/XX/XXXX. This is not right!
03/09/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	TX 75035	Web
1. Zwicker & Associates sued me in the wrong jurisdiction and in a state that I was not living in at the time. Please see attached. 2. Zwicker & Associates received a judgement against me, applied for and received an Appointment of XXXX XXXX on XX/XX/XXXX. I secured counsel on XX/XX/XXXX to represent me in this case. Multiple attempts have been made since XXXX to contact this law firm with no response. Emails have been ignored.
01/23/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 32750	Web
Can you please put stop of this Zwicker & Associates, PC Attorney for Plaintiff and Debt collector their address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX their website Zwickerpc.com sued me at XXXX County, Florida for debt I do not owe for them. They dont have validation letter states I owe them. They dont have contract that I owe them. Again please help me how to put stop of this bully debt collection company.
02/14/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 77025	Web
randomly all of a sudden received a paperwork at the door by some one unknow that I am being sued. XXXX XXXX from zwicker & associates pc XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX .behalf of XXXX XXXX XXXX XXXX. Amount is extremely high. i dont have job and currently going to an institution to find some for future. due impacted by pandemic. i cant even my bills on time evacuating in two moths before eviction.
04/02/2015	Yes	Debt collection Credit card	False statements or representation Indicated committed crime not paying	VA 222XX	Web
I received a call from Zwicker and Associates claiming I owed a debt to XXXX XXXX XXXX voicemail ). I called XXXX XXXX to see if there was some old debt of which I was n't aware. They told me all my accounts were in good standing and that there was no debt. I researched the phone number on the internet and discovered this company harrasses consumers and tries to convince consumers that they have a debt.
03/14/2021	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	IN 479XX	Web	Older American
Received letter mailed XX/XX/21 that identified me as a counselor for a client. I am not a counselor nor do I know the client identified in the letter. Indicates that the bank routing and account will be debited for the payment amount " authorized '' by the client. Again, I am not the correct party for any of the notifications and have no contact with either the firm nor any client/creditors.
07/28/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76137	Web
A number for a law firm XXXX. This agency has called me XXXX times alone in XXXX 2015, I 've picked up and told them I am not XXXX nor do I owe them any debts. I 've also called back and left voicemail and stated if they continue to call my cell phone without permission I will file a claim. They called XXXX times in XXXX and yet again picked up and told them they had the wrong number.
11/17/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31909	Web	Servicemember
I have reported ZWICKER & ASSOCIATES debt collector twice on your website. This company keeps sending me threatening letters trying to sue me. I explained in the past that my information was compromised and I been trying to correct the issue. Right now I'm dealing with Georgia Labor Department with fraud. Someone stole my benefits. I had enough of this company abuse. Please help me.
09/28/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WA 98087	Web
They called a few times already. But leave no message or whatever. I do not know who they are but I did XXXX there number. It could be from when XXXX XXXX is paying XXXX dollars of bad debt practices to consumers so my other debts might have been paid to them. But nothing in my mail or anythingelse except there phone calls but not leaving messages is harrassment anyways.
03/10/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 77386	Web
A debt collector sue me because i owe XXXX XXXX an amount of XXXX $ and they send me a citaion on XX/XX/2022 with amount of XXXX $ and i called then to discus the payment options, i told that i can make a monthly payment of XXXX $ monthly and they refused that amount even if i said that all what i can afford because i have another bills i need to pay too.
11/02/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 902XX	Web
I have called the company twice in XXXX and yesterday to have them stop calling me as I have no debts to settle. They were asking for another person but my number was listed for that individuals. They leave voice messages and repeatedly call. I asked to have them take me off their call list. Zwicker and associates law firm for debt collection.
12/22/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MA 018XX	Web
I 've had an open case with this company for two years and have been in and out of court. The case came to a close when the judge dismissed it. However a few weeks after thw case was dismissed they started garnishing my wages. I have been unable to contact any of the attorney 's at the office, and can not get an answer from anybody in the office.
04/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 42701	Web
This account was dismissed with prejudice. Who is going to fixmy credit score? I would like to receive costs for at attorney and defomation and punitive damages etc. Why are there 2 case numbers to the same case? I did not even know about this account. But it does look like XXXX XXXX accepted a payment after they closed the account already.
02/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10029	Web
I received a letter in the mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/2022. They were stating they are collecting a debt of {$6100.00} for a creditor called XXXX XXXX. I do not have any debt or collections. I called their office as the letter instructed and the person on the phone asked for my social so I hung up.
05/14/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77489	Web
This is my place of business. The number being called is the main desk number that is answered by customer service representatives. Not once has my personal cell phone nor home phone be used to attempt to contact me regarding this matter. I have no idea who is calling -- they never leave a message once transferred to my direct line.
11/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78757	Web
Zwicker & Associates ( XXXX ) has called me XXXX, telling me that I have outstanding XXXX XXXX credit card debt. This is NOT my debt. I shared basic info about myself ( address, last XXXX of social ) and they confirmed it is not my debt. But they continue to call. I am worried they will use my information to do more damage to me.
09/20/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	TN 372XX	Web
Zwicker and Associates dropped off paperwork to my significant other, handing him a copy of the legal filing - unsealed, unstapled, and completely visible. In doing so, they disclosed this filing to my significant other, potentially in an attempt to embarrass and pressure me. This disclosure is illegal and should be addressed.
06/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 902XX	Web
My XXXX XXXX account XXXX was in good standing for over 20 years. I was then put on a covid plan. Without notice i was thrown into collections. This is not correct and is ruining my credit. The account was given to Zwicker law. They reported this while in dispute and in Covid. They violated my rights under the FCRA..
07/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 150XX	Web
On XX/XX/19, I settled a XXXX XXXX account in full. I owed {$5500.00} and paid {$2400.00}. I have a letter that says this is settlement in full, however, my credit report is showing I still owe a balance. XXXX investigated but says my balance is still {$3100.00}. Even after I provided the letter as proof.
01/09/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 77083	Web
I have never signed any agreement with any debt collector. They have attempted to contact me multiple times and placed a judgement of my name under county court. They have violated multiple counts of my consumer rights. They need to stop all communication efforts and recover judgement as soon as possible.
02/03/2023	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	NJ 08234	Web
Received a letter from Zwicker and Associates stating I have a judgement from XXXX XXXX and offering a payment arrangement. I looked in both NY and NJ civil ecourt systems and have no such judgements. As this is a law firm they are knowingly making false statements as an intimidation tactic
05/04/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	VA 20109	Web
They call me XXXX times a day with different numbers I google the number and called back they pressured me asking for my name and last XXXX of my ss number and saying if this was me. Then they say I owed xxxxx and asking for my bank account numbers there are many scam with this company
09/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 324XX	Web
Zwicker and Associates checked my credit report twice. Once in XX/XX/XXXX and XX/XX/XXXX. My account allegedly defaulted in XX/XX/XXXX ; therefore, Zwicker did not have any reason to check my account in XX/XX/XXXX. I find it was not a permissible reason to check it in XX/XX/XXXX.
07/16/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45224	Web
I have received a letter from Zwicker & Associates stating that I owe for an account that does not belong to me for {$5900.00}. This account does not belong to me. This is the second company trying to collect for this account but this time it is for a different amount.
04/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	OH 43110	Web
According to the attached records, on XX/XX/2018, Zwicker and Associates PC, placed an inquiry on my credit report. Then on XX/XX/2018, Zwicker and Associates, a debt collector, filed a collections lawsuit against me, in violation of the Fair Credit Reporting Acts.
05/05/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	MD 20774	Web
On numerous occasions I have asked them not to call me. I considered the tactic harassing after getting calls from XXXX up to XXXX. The same number and different names of law firms being given. I all ask is to stop calling me any communication needs to be by mail.
04/04/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33143	Web
We moved from our house back in XXXX due to foreclosure. i see the credit card used was going back i believe to XXXX i have had many cards issued that did not pertaining to me and were identity theft going back to XXXX. This debt does not belong to me.
01/17/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 780XX	Web
XX/XX/XXXX I responded to a petition from Zwicker & Associates suing for old debt. I received no other communication or notification from said company until XX/XX/XXXX, which was a copy of a petition filing for summary judgement on the debt.
06/26/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 604XX	Web
Company Zwicker and Associates has made multiple attempts to collect a debt that is not mine. I have made multiple attempt to get the paperwork to determine the origin of the debt and they have refused to send the proper verification
10/09/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 93065	Web
Received a letter from XXXX XXXX XXXX, XXXX to take me to superior court of California for a debt that is XXXX years old! The collection company or attorneys are Zwicker & Associates, P. C. in XXXX, CA XXXXThe Credit Card is XXXX.
03/28/2017	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	CA 92223	Web
zwicker and associates has been calling my employer leaving messages about me in voicemails. I have not received any collection letters from them. We are not allowed to receive personal phone calls here and they will not stop
04/16/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	MD 20747	Web
Company garnished my bank account along with those that I was associated with even thought I was in a payment agreement with them and current on the payment agreement with no notice or attempt to renegotiate the agreement.
06/26/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NY 10019	Web
VIOLATED " FAIR CREDIT BILLING ACT '' AND FDCPA '' ... XXXX DIFFERENT COMPANIES DEMAND SAME PAYMENT OF FRAUD ACCOUNT XXXX XXXX AND NOT MY ACCOUNT. FORMAL FRAUD AFFIDAVIT FILED WITH " FTC '' CASE # XXXX AND WITH XXXX
10/07/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IN XXXXX	Web
ZWICKER FAILED TO RELEASE 2 JUDGEMENTS FROM MY RECORD, CASE NO. XXXX XXXX XXXX, IN THE AMOUNT OF {$12.00}, XXXX AND {$2.00}, XXXX. THE LESSOR JUDGEMENT INVOLVES AN ERROR IN REPORTING OF {$2.00}, XXXX, SEE ATTACHED.
05/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	AR 72712	Web
XXXX XXXX XXXX, ZWICKER, XXXX XXXX AND ALL COLLECTORS SOLD NOW MUST REQUEST XXXX TO MANUALLY REMOVE ALL TRADELINES AND JUDGEMMENTS FROM THERE DATA BASES, MUST FURNISH WRITTEN LETTERS XXXX NO XXXX XXXX XXXX XXXX
08/10/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38583	Web	Older American
sent me all the statements and said it was a valid loan and i owe it never even got a bill from them till they sued me i asked them for loan validation never had a credit card in my life
03/19/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	FL 33018	Web
i sent a letter to the debt collector to stop harassing me as this account was opened fraudulently and has been charged off. credit reports are available upon request to serve as proof.
08/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	VA 20152	Web
Debt occurred from identity theft and the collection company didnt even verify and filed a lawsuit on me. Zwicker & Accociates, P.C. for XXXX XXXX XXXX and XXXX for XXXX XXXX
10/10/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 34787	Web	Older American
Company delivered printed personal financial information to my daughters husband while I was not present. No even in an envelope, just handed over all my personal info.
03/27/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 92801	Web
XXXX continues to collect and litigate despite dispute as to liability in violation of the CFPB 's Join Consent Order against XXXX ( FDIC-XXXX, FDIC XXXX, XXXX ).
10/25/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AR 72712	Web
LAST CHANCE TO DO THE RIGHT THING AND HAVE ZICKER AND ASSOCIATES VACATE BOTH JUDGEMENTS. ALL DEBTS HAVE BEEN DISCHARGED VIA CHATER XXXX BANKRUPTCY. CASE XXXX
04/18/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	FL XXXXX	Web
This company needs to stop harassment immediately. They should stop making false claims. They need to seize all contact. They need to stop stalking me.
12/28/2018	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	MI 48047	Web
Multiple times daily and weekly from Zwicker and Associates throughout 2018. Repeated calls after I sent a cease and desist letter in XX/XX/2018.
07/20/2023	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77084	Web
ZWICKER AND ASSOCIATES is in violation consumer rights according to the FDCPA, FCRA & GLBA. Please view the attachments.
08/31/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	VA 20152	Web
Debt occurred from identity theft and the collection company didn't even verify this account and filed a lawsuit on me.
08/27/2018	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CO 80525	Web
I try to call four times their answer machine keeps hang up on me AndI try to email them twice. Zwicker + Asscociates
08/26/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	AR 727XX	Web
ZWICKER & ASSOCIATES FAILED TO ADHERE TO THE BANKRUPTCY DISCHARGE AND ERASE OR VACATE TWO ILLEGAL JUDGENMENT.
07/15/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	FL 33014	Web
This company yes keep calling already told then not to call animore but they yes call more than twice a day.
10/10/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 60440	Web	Servicemember
My identity was stolen years ago, this account does not belong to me, It's not even on my credit report.
05/11/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85381	Web
They call constantly and do not leave messages to call them back. Ive tried reaching out with no luckZ
11/02/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IN XXXXX	Web
PLEASE BE INFORMED THAT I FILE BANKRUPTCY ON XXXX XXXX, 2017, CASE NO.XXXX.SEE ATTACHED
01/13/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 75077	Web
Zwiker & Associates is using aggressive and excessive collection methods.
03/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 42701	Web
Reporting to credit report after court order to dismiss with prejudice.
07/07/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98125	Web
I never received verification of debts owed
02/04/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28215	Web

01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	GA 303XX	Web

01/25/2024	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MD 21217	Web

01/22/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48127	Web

01/20/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 78114	Web

01/17/2024	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 33130	Web

01/13/2024	Yes	Debt or credit management Student loan debt relief	Didn't provide services promised	NC 28104	Web	Older American

01/12/2024	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	NC 27616	Web

01/12/2024	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	WI 53158	Phone

01/12/2024	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 21286	Web	Older American

01/09/2024	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OR 972XX	Web

01/04/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30357	Web	Servicemember

01/04/2024	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33314	Web

01/03/2024	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	IL 62526	Web

01/02/2024	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Problem when making payments	FL 32040	Web	Servicemember

12/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80234	Web	Older American, Servicemember

12/11/2023	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	MI 48322	Web

12/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95812	Web

12/04/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NH 03301	Web

11/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85138	Web

11/15/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IL 60411	Phone

11/13/2023	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	MI 48322	Web

11/11/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 33702	Web

11/10/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07677	Web	Older American

11/01/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 33024	Web

10/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75503	Web

10/25/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 77429	Web

10/21/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	VA 22213	Web

10/18/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	KY 40059	Phone	Older American

10/06/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92115	Web

10/04/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CA 94583	Phone

09/26/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95812	Web

09/20/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	OH 43227	Web

09/18/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	VA 23601	Web	Older American, Servicemember

09/12/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OK 74012	Web	Servicemember

09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75503	Web

08/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OK 74012	Web	Servicemember

08/14/2023	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	RI 02893	Web

08/09/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NJ 08360	Web

07/06/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 78247	Web

06/30/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	CT 06385	Phone	Older American

06/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91615	Web

06/19/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 91754	Web

06/15/2023	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33626	Web

06/07/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NY 14616	Web

06/05/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 335XX	Web

05/22/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	OH 45240	Phone	Older American, Servicemember

05/12/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32082	Web

05/03/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38016	Web	Servicemember

04/20/2023	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	AL 35121	Web

03/31/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 20175	Referral

03/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75093	Web

03/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20886	Web

03/14/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11367	Web

03/09/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MA 01845	Phone

03/05/2023	Yes	Debt collection Credit card debt	False statements or representation Told you not to respond to a lawsuit they filed against you	VA 23601	Web	Older American, Servicemember

03/04/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 90028	Web

03/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28215	Web

03/02/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IL 60610	Web

02/23/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 01002	Phone	Servicemember

02/10/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60610	Web

01/30/2023	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	IL 62930	Phone

01/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75093	Web

01/30/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 33615	Web

01/19/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60610	Web

01/11/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	CA 90028	Phone

01/09/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	IL 60610	Web

12/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY 11203	Web

12/06/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	OH 44107	Web

11/20/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NY 10128	Web

11/18/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WA 98034	Web

11/09/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30011	Web

10/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MD 21237	Web

10/23/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 77478	Web

10/10/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 60440	Web	Servicemember

10/04/2022	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 78255	Web

10/03/2022	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MD 21237	Web

09/27/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 21237	Web

09/15/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 77066	Web	Servicemember

09/15/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30084	Web

09/14/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30349	Web

09/06/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	GA 30349	Web

08/23/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48092	Web

08/16/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 335XX	Web

07/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10002	Referral

07/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NC 28150	Phone	Older American

07/18/2022	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	NC 28262	Web

07/07/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33076	Web

06/29/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	VA 20124	Web

06/23/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 90212	Phone

06/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32911	Web

06/16/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 90212	Phone

06/03/2022	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 11105	Web

06/03/2022	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 11105	Web

05/21/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 33570	Web

02/21/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 11552	Web

02/16/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	LA 71269	Web

02/12/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 32092	Web

12/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 44124	Web

11/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91910	Web	Servicemember

11/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 18938	Web

11/14/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MD 21076	Web	Servicemember

11/04/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	PA 17857	Phone	Older American

09/28/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	WA 98372	Web

09/22/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MA 02122	Web

09/20/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MA 02122	Web

08/21/2021	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	FL 33131	Web

07/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90805	Referral

07/07/2021	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33165	Web

07/04/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 11553	Web

06/25/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	TN 37209	Web

05/31/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NC 27282	Web	Older American

05/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27527	Web	Servicemember

05/14/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30519	Web

05/14/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

05/03/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30518	Web

04/29/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30328	Referral

04/28/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

04/18/2021	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	CA 90601	Web

04/06/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30024	Web

04/05/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30046	Web

04/01/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

03/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33755	Web

03/19/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 33401	Web	Older American

03/17/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 95687	Web

02/22/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30518	Web

02/21/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30519	Web

02/16/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30518	Web

02/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30519	Web

02/11/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

02/06/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30096	Web

02/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	VA 20152	Web

02/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30518	Web

01/29/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 08602	Web

01/28/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

12/15/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91405	Fax

12/08/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92881	Web	Servicemember

09/15/2020	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 30269	Web

08/13/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30024	Web

07/30/2020	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 33615	Web

07/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 44146	Web

04/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78258	Web	Servicemember

03/05/2020	Yes	Debt collection Private student loan debt	Communication tactics Called before 8am or after 9pm	TN 37067	Web

03/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78258	Web	Servicemember

01/21/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 32505	Referral

12/04/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 77023	Web	Older American

12/02/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AZ 85142	Web

11/30/2019	Yes	Debt collection Credit card debt	False statements or representation Told you not to respond to a lawsuit they filed against you	VA 23517	Web

11/19/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	AZ 85142	Web

11/08/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MD 211XX	Web

11/05/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed		Phone	Older American

10/25/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OR 97006	Web

10/02/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OR 97006	Web

07/03/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08057	Web	Older American

07/01/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85338	Postal mail

06/20/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MD 21769	Web

05/30/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 31210	Postal mail

05/02/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33181	Referral

04/17/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90402	Web

04/08/2019	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	PA 19454	Web

03/19/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MD 20854	Web

03/06/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MA 02748	Web

03/04/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	SC 29223	Postal mail

02/07/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NH 03842	Phone	Older American

01/17/2019	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	GA 30286	Phone	Servicemember

01/11/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 34997	Web	Servicemember

01/09/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 78572	Web

12/11/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	WA 98203	Web	Servicemember

11/05/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MN 55040	Web

10/17/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10458	Postal mail

09/25/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	KS 66614	Postal mail

08/28/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt		Referral

08/28/2018	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 75224	Web

08/23/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 90650	Web

08/22/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	KS 66614	Postal mail

08/20/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	NC 27406	Web

08/03/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	VA 20181	Web	Servicemember

08/03/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CT 06896	Phone

08/01/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NY 14127	Referral

07/31/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NY 14127	Referral

07/19/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NY 13215	Fax

06/06/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 78572	Web

05/22/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	NY 11374	Web

05/11/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NJ 07470	Referral

05/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 24540	Web

04/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MI 48168	Referral

04/02/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	KY 40324	Web

01/23/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11777	Referral

12/09/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NC 28460	Web

12/04/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NJ 08555	Web

12/01/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 61874	Web

12/01/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CO 80525	Phone

11/13/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 103XX	Web

10/03/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MA 01854	Postal mail

09/14/2017	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	CT 06477	Web

09/05/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MA 02124	Web

08/16/2017	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	PA 17110	Web

08/01/2017	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	OH 44130	Web

06/23/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	FL 32217	Web

06/20/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33014	Postal mail

06/02/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 92589	Web

05/30/2017	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NY 11520	Web

05/16/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 75093	Referral

05/10/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32825	Postal mail

03/23/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	WA 98597	Postal mail

03/01/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 75751	Postal mail

02/24/2017	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	FL 33056	Postal mail

02/04/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 76301	Web	Servicemember

02/01/2017	Yes	Debt collection Non-federal student loan	Communication tactics Called after sent written cease of comm	CA 92240	Web

01/13/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	OR 97035	Web

12/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 32861	Referral

11/04/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 10016	Web	Servicemember

10/09/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NY 11234	Web	Older American, Servicemember

10/01/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	IN 46835	Web

10/01/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	IN 46835	Web

09/27/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	NY 11764	Web

09/20/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	OR 97206	Web

09/20/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	OR 97206	Web

09/07/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	FL 33313	Postal mail

08/27/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 94403	Web

08/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MA 02554	Postal mail

07/29/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	VA 22202	Web

07/21/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	VA 22202	Web

06/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IL 60419	Referral

06/22/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	NC 27358	Web	Older American

06/02/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	MD 20716	Fax

05/24/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MD 20772	Referral

05/13/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	MA 02568	Web

05/11/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	NY 10583	Referral	Older American

05/11/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	VA 22192	Referral

03/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33837	Referral

03/23/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	ID 83709	Web

03/17/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Need information about my balance/terms	CA 92606	Web	Older American

03/08/2016	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	NY 11218	Web

02/12/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 91320	Postal mail

12/29/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 11354	Web

12/27/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	MA 01775	Web

12/17/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	FL 33615	Web

12/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	PA 15126	Referral

12/07/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	IN 46750	Web

11/25/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 33405	Referral

10/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WA 98199	Web

10/19/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MA 02476	Postal mail

10/13/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 33308	Phone

10/09/2015	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	CA 90048	Web

10/07/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	TX 77406	Web

09/24/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	VA 24073	Postal mail

09/17/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 78224	Fax	Older American, Servicemember

08/09/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	GA 30064	Web

07/22/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	IL 60046	Web	Servicemember

07/22/2015	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	MA 01749	Phone

07/06/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 91763	Web

06/19/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Sued w/o proper notification of suit	OR 97230	Referral

06/15/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	TX 75965	Web

06/12/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	TX 77304	Web

06/10/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	TX 78114	Web

06/09/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	VA 23114	Referral

06/08/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 45209	Web

05/29/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	IN 46947	Postal mail	Servicemember

05/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	GA 30044	Web

05/20/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CO 80247	Referral

04/30/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	MD 20747	Referral

04/03/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98611	Web

04/02/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	MA 01151	Web	Servicemember

04/01/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	TX 79109	Web

03/30/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	OH 45406	Postal mail

03/10/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	KY 40205	Web	Servicemember

03/02/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	GA 30004	Web

02/18/2015	Yes	Debt collection Non-federal student loan	Communication tactics Used obscene/profane/abusive language	WA 98107	Web

02/10/2015	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	MA 02127	Web

02/02/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	CT 06870	Web

01/29/2015	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	TN 37363	Web

01/23/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 94804	Postal mail

01/22/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	VA 24073	Postal mail

01/15/2015	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	MN 55436	Referral

12/29/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	FL 34713	Web

12/09/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	FL 33141	Web

12/05/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 95060	Web

11/25/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	CA 95023	Web	Older American

11/20/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Keep getting calls about my loan	CT 06804	Phone

11/06/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	CA 90717	Web

11/03/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	CA 91326	Web

10/31/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	FL 33579	Web

10/29/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	FL 33131	Web

10/21/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	MA 02131	Web

10/18/2014	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	MA 01966	Web

10/15/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	MD 20744	Web

10/09/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 33181	Referral

10/06/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 93304	Web

10/03/2014	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	OR 97060	Phone	Servicemember

09/25/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	NC 27587	Referral

09/24/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	IL 60605	Web

09/13/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NJ 08502	Web

09/10/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	OH 10467	Web

08/26/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NC 27712	Phone

08/25/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 33156	Web

08/24/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 92392	Web

08/18/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60516	Phone	Older American

08/09/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	GA 30024	Web

07/17/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 91001	Web

07/17/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MD 20747	Web

07/06/2014	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	FL 32003	Web

07/01/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MI 49548	Phone

06/30/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	VI 20136	Phone

06/25/2014	Yes	Debt collection Credit card	Communication tactics Called outside of 8am-9pm	GA 31707	Web

06/18/2014	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	XXXXX	Postal mail

06/16/2014	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Sued w/o proper notification of suit	NY 14625	Web	Older American

06/13/2014	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	FL 33432	Web

06/13/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	NJ 07055	Web	Servicemember

06/13/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MA 02090	Postal mail

06/06/2014	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	MA 02130	Web

05/21/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	OR 97006	Web

05/21/2014	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	MA 02451	Web

05/19/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	GA 30327	Web

05/12/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	WA 98027	Postal mail

04/27/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 95901	Web	Older American

04/24/2014	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	NC 27816	Referral

04/23/2014	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	OH 44055	Web

04/12/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 33064	Web

03/27/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 94534	Referral

03/11/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NJ 08094	Referral

03/10/2014	Yes	Credit card	Delinquent account	SC 29169	Web

03/03/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	TN 37027	Web

02/22/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	NY 10708	Fax	Older American

02/13/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NC 27565	Web

02/03/2014	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	TN 38330	Web

01/26/2014	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted employer after asked not to	MN 55428	Web

01/23/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 90405	Web

01/15/2014	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	XXXXX	Web

01/07/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98093	Web

12/31/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 07030	Web

12/28/2013	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 77388	Web

12/16/2013	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	TX 78613	Web

12/12/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	HI 96761	Web

12/11/2013	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	MD 21217	Phone

11/26/2013	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NY 11731	Postal mail

11/26/2013	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	AL 35124	Web

11/25/2013	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	KY 40422	Web

11/09/2013	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	CA 96145	Web

10/30/2013	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	MI 48066	Referral

10/29/2013	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	FL 33952	Referral

10/25/2013	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	AZ 86322	Phone	Older American

10/18/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	FL 33463	Phone

10/03/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 20164	Postal mail

10/02/2013	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NH 03043	Web

10/02/2013	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	VA 24588	Web	Servicemember

10/01/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	OH 44126	Phone

09/25/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11710	Web

09/05/2013	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 10465	Referral

08/20/2013	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MD 20854	Web

08/14/2013	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MD 20781	Phone	Older American

07/29/2013	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	WA 98404	Referral

07/25/2013	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	FL 33160	Web	Older American

07/16/2013	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	NY 14468	Referral	Older American