Zwicker & Associates

I have requested a settlement agreement from Zwicker and Associates and a statment of account, how they are applying my monthly payments to the two separate loans but I have not received either. In fact, XXXX XXXX a XXXX at Zwicker has barred my accounts claiming they were blocked by XXXX XXXX XXXX the owner of the debt but they tell me that they haven't done such a thing and that the collection agency is directed to settle the debt with a financially feasible payment plan. At this point I don't know who to. believe because I am in the middle between XXXX personal loans and Zwicker. My credit reporting is not correct because the amount and the payments are not being applied each month. When I get the paper statement from Zwicker they only reference one account even though the payment is for two and it doesn't say or show how the account is being paid. I have not gotten a proper statement from XXXX nor Zwicker regarding how the money they take me is being applied.…

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I'm trying to request a debt validation over an e-mail, but I couldn't find an e-mail address or a contact form on their website. Is there an e-mail address where I can contact you? I'm also requesting a debt validation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo. XXXX XXXX. Zwicker & Associates, P.C. XXXX XXXX XXXX. XXXX, MA XXXX RE : Account # XXXX Dear Zwicker & Associates, P.C. To Whom It May Concern '', I am writing in response to communication dated XXXX XXXX regarding a debt you are attempting to collect. I do not believe I owe this debt or the amount you claim. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), I am formally disputing this debt and requesting validation. Please provide the following information : The name and address of the original creditor. The original account number and the amount currently owed. An itemized breakdown of the total debt, showing the original balance and any interest or fees added.…

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I am filing this formal complaint against Zwicker & Associates, P.C. for serious violations of the Fair Debt Collection Practices Act ( FDCPA ), as well as unfair, deceptive, and abusive practices. I entered into a payment agreement {$3700.00} -of {$100.00} per month and have acted in good faith at all times. I have attached bank statements to this claim clearly demonstrating that I consistently maintained sufficient funds to cover these payments. Despite this, Zwicker & Associates failed to process automatic payments during the months of XXXX and XXXX, even though funds were available in my account. These payments resumed again on XX/XX/XXXX, as they had been previously processed, which clearly demonstrates that the issue was not on my end, but due to their inconsistent and negligent handling of my account. Additionally, I have been denied access to my account, making it impossible for me to make payments on my own.…

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Zwicker & Associates has done nothing but treat me poorly and lie about my complaints. They said that their firm did not prevent me from making payments on my account. I called 3 times to make a payment and did they accept it???? NO! Then YES, their firm did prevent me from making payments on my account. They are trying to break me down with repeated violations of the law. That is what Zwicker & Associates does. They are aggressive, rude and unprofessional. They have absolutely no idea and can not verify if XXXX XXXX called me from a non- company, unrecorded line. They have lied repeatedly in their responses to my complaints.

I called Zwicker & Associates shortly after XXXX XXXX to make a {$750.00} payment to cover XXXX & XXXX. I made the payment and specifically asked XXXX XXXX to make sure that Zwicker did not try to take money out of my checking account since I had just made a double payment. He said they would not. Then on XX/XX/XXXX they tried, unsuccessfully, to draft my checking account for {$370.00} after I specifically asked them not to. This resulted in overdraft fees that I had to pay due to their mistake. When I first entered into my payment agreement with them I was told I would make XXXX payments of {$370.00} to settle the debt. When I call them to discuss my account they tell me that I owe them {$12000.00}. That is far more than the payment arrangement that we initially agreed to. They are trying to get me to pay more money that our agreed upon settlement. That is not fair to me and is dishonest.

Zwicker & Associates is forcing me to pay more than I can afford every month. I asked if I could pay less and they said no, and if I did not pay the amount they demanded in the time frame they demanded that they would take me to court. I offered to make lower monthly payments but they refused saying the debt had to be paid off in XXXX months or they would take legal action against me and my family. I am a XXXX combat veteran and do not have much money.

I am XXXX XXXX, a verified victim of identity theft, and I have an official identity theft record and supporting documentation on file related to this matter. Previously, XXXX XXXX had maintained that this debt belonged to me. However, after I provided all requested documentation and fully cooperated with their investigation, XXXX XXXX completed its review and formally acknowledged that the account was not mine and was the result of identity theft. They issued an official determination letter confirming these findings. Despite this, the litigation process referenced below has not yet been withdrawn or dismissed, and with the court date approaching, urgent action is required. Previously, XXXX XXXX informed the Consumer Financial Protection Bureau that they were unable to fully address the matter due to the existence of ongoing litigation.…

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XXXX XXXX, an agent for Zwicker & Associates calls me constantly demanding money. He is polite when he calls at first. He says that he is on a recorded line. After we speak he calls me back from a different number and threatens me with financial ruin if I do not pay him. He called me a loser and said that its my fault that Im in this situation. Then he said that I probably come from an entire family of losers.

I contacted Zwicker and Associates and settled XXXX debts accounts for a total settlement amount of {$5500.00}. This settlement was confirmed under Confirmation # XXXX, and the payment posted to our joint bank account on XX/XX/year>. The settlement was made with the understanding that it would resolve XXXX accounts ( File ID XXXX ) and ( File ID XXXX ) After making this settlement payment, I was informed that these accounts should have been closed and satisfied. However, the settlement funds were not applied correctly, and accounts continued to show balances. Despite the settlement, they also continued to withdraw additional payments from our joint bank account toward. Specifically, XXXX separate withdrawals of {$250.00} each were taken on XX/XX/year>, even though the accounts had already been settled. I disputed those withdrawals with my bank and have only received XXXX of the disputed payments back to date.…

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VALIDATION AND CEASE AND DESIST Re : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX Account # : XXXX Can you supply me with a contract or agreement signed with your company or the Creditor. PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT.…

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I sent a certified XXXX XXXX XXXX XXXX Zwicker & Associates, P.C on XX/XX/XXXX and was picked by them on XX/XX/XXXX to prove I was the owner of that debt. I requested the following information : 1. The name and address of the original creditor ; 2. The full amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges ; 3. A copy of the original signed agreement or contract bearing my signature that created the alleged obligation ; 4. A complete payment history from the date of origination ; 5. A copy of the assignment, bill of sale, or chain of title demonstrating that the alleged debt was legally transferred from the original creditor to the current creditor, and that Zwicker & Associates has authority to collect or litigate this debt on its behalf ; 6. The date of last payment and the date of default. Today is XX/XX/XXXX and I did not receive the request information.

I hired XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX to consolidate two XXXX XXXX cards for me after calling XXXX times supervisor etc. getting the wrong answer giving them {$17000.00} plus every month taking out three or {$400.00} out of my checking I come to find out after calling XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX that my debt had been sold in XXXXXXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX Ive never heard of this company. I have no idea what theyre talking about so I called XXXX XXXX who decided when I talked to the girl on the phone XX/XX/XXXX that she informed me that theyve added {$2000.00} to my debt. I said I dont think So so thats the last I heard XXXX I got one email stating all of a sudden after firing XXXX XXXX this company that comes out of nowhere I sent a certified letter too by the way and Ive heard nothing about who owns the debt so Im calling XXXX. OK nobody owes me anything. Im not trying to get out of anything.…

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XXXX XXXX placed my account with their authorized representative, Zwicker & Associates, and I entered into a written payment arrangement of {$100.00} per month, which I have been honoring. Despite this active agreement, XXXX XXXX is now demanding an additional minimum payment of {$600.00} directly from me in order to report the account as current, while also requiring me to continue making monthly payments through Zwicker. This creates conflicting and duplicative payment demands for the same debt, causes confusion, and results in inaccurate and coercive credit reporting. I am being pressured to make payments outside my agreed arrangement under the threat of continued negative credit reporting. I am requesting that XXXX XXXX honor the existing payment agreement, cease demanding additional payments outside of that agreement, and correct any inaccurate credit reporting related to this account.

I am submitting this complaint regarding a civil lawsuit filed against me by ZWICKER & ASSOCIATES, P.C., acting on behalf of XXXX XXXX XXXXXXXX XXXX amounting of {$14000.00} and/or any other amount. I am not the debtor in this matter. The account and debt being used as the basis for this legal action resulted from the fraudulent use of my personal identifying information by an unknown individual, without my knowledge, authorization, or consent. This situation is the result of identity-related fraud. I did not apply for, authorize, or benefit from the alleged account or any related transactions. Despite this, I am being subjected to collection efforts and a civil case for an obligation that does not belong to me. This has caused severe emotional distress, anxiety, and disruption to my financial and personal life. Being forced to defend myself in court for a fraudulent debt is overwhelming and unjust. The continued pursuit of this debt violates multiple consumer protection laws.…

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I am a Florida consumer. Zwicker & Associates, P.C., an out-of-state debt collection law firm, engaged in collection activity affecting me in Florida arising from a XXXX XXXX small-claims lawsuit filed on XX/XX/XXXX in XXXX XXXX and later transferred. I was never served with a summons or complaint, and no service of process was ever perfected. The lawsuit remained dormant well beyond service deadlines, and no personal jurisdiction was established. Despite this, Zwicker & Associates engaged in settlement and collection communications related to the alleged debt. On XX/XX/XXXX, I received a settlement demand that did not disclose the existence of the pending lawsuit. I first learned of the lawsuit through a third-party attorney solicitation letter rather than through lawful service.…

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This has been months now, but I called in XXXX of last year. I wanted to make my standard monthly payment. They said I couldn't cause I owed. They told me I owed {$800.00} plus. There was a point in XXXX where I just got done settling on a payment plan with them and I didn't know where to pay them during the time because there was lack of communication with my lawyers, too just a heads up.The person on the phone was trying to tell me I have multiple missed payments. I was trying to prove that I paid for my monthly payments of {$100.00}. This frustrated me cause I already paid other bills and rent. Nobody that I talked to on the phone mentioned any previous missed payments, so I was shocked to hear that. I would like to get out of XXXX and XXXX, and move to a different company. I do not feel comfortable paying them, especially since they told me I can only do money orders or pay by check. I don't like doing that, I prefer over credit card.…

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CFPB COMPLAINT UPDATED SUBMISSION Company : Zwicker & Associates, P.C. Related Company : XXXX XXXX Product : Credit card Issue : False statements or representation ; Improper investigation ; Inaccurate information provided to a federal regulator Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMPLAINT NARRATIVE I am submitting this complaint to report materially inconsistent and misleading representations made by Zwicker & Associates, P.C. ( Zwicker ) to the Consumer Financial Protection Bureau concerning XXXX XXXX account ending XXXX XXXX XXXX XXXX XXXX, and to request clarification necessary for accurate regulatory oversight. This complaint is based on Zwickers CFPB responses dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, which present irreconcilable positions regarding Zwickers role, knowledge, and responsibility for the account at issue. XXXX.…

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I do not owe this debt, my daughter opened a XXXX charge account in XXXX of XXXX without my knowledge and she confessed she was paying for it until it was too much for her. She enrolled it in a credit consolidation service program with XXXX XXXX XXXX on XXXX of XXXX. She pays {$350.00} a month to them and was hoping that they were negotiating with XXXX to come to a settlement. Unfortunately that didn't happen and in XX/XX/XXXX XXXX filed suit. My daughter reached out to XXXX XXXX XXXX when she found out in XXXX when they tried to serve me at her address. XXXX XXXX XXXX tried to negotiate with the creditor, the balance of the debt is {$8800.00} and they only brought it down to a little over {$7000.00} with monthly payments of {$290.00} a month which is not really a decent offer.…

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This Company is attempting to collect a debt from XXXX, i have on several occassions taken the call, told them to cease telephone comunication, communicate with me only in writing via postal mail, and to validate the debt. None of which has occured, and they keep calling. It has been well past 30 days for them to validate the debt. So now, i expect them to stand down, and take whatever actions the law states for them to write off this debt, due to failure to validate.

Full Narrative ( CFPB Complaint Discover Bank & Zwicker & Associates, P.C. ) I am submitting this complaint to formally report willful violations of the Fair Credit Reporting Act ( FCRA ), false and misleading statements to a federal regulator, and ongoing furnishing of disputed information during active arbitration proceedings by XXXXXX/XX/XXXX with the knowledge and involvement of its counsel, Zwicker & Associates, P.C. I. Arbitration Election and Legal Notice ( XX/XX/year> ) On XX/XX/year>, I formally served XXXX XXXX XXXX with my statutory dispute, legal notice, and binding arbitration election via USPS Certified Mail. The Certified Mail receipt shows verified delivery to : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX This notice triggered : A litigation hold A cease-collection obligation A statutory reinvestigation duty under 15 U.S.C. 1681s-2 ( b ) A prohibition on any attempt to reset credit reporting timelines XXXX ignored all of these legal obligations. II.…

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XX/XX/year>, amount {$65000.00}. This is a result of identity theft by multiple employees. Fraud reports have been filed with the FTC and The XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Zwicker & Associates is the law firm, they have provided no information. A guarantee they have provided, shows an IP address that is not mine.

I sent formal written debt validation requests beginning in XX/XX/year> and again on XX/XX/year> regarding multiple alleged XXXX XXXX accounts. Zwicker & Associates responded only with photocopies of billing statements and a generic cardmember agreement. This does NOT meet the legal standards for validation under FDCPA 1692g ( b ) because they failed to provide : Proof of account ownership or assignment Chain of title documentation Sworn custodian affidavit Evidence of lawful standing to sue Despite failing to validate, Zwicker continued collection activity by attempting service of a lawsuit at my residence. This is a direct violation of FDCPA 1692g ( b ). In addition, I have received repeated automated text messages related to these accounts from XXXX XXXX XXXX XXXX Investments, despite my disputes and lack of consent, constituting further violations of FDCPA and TCPA.…

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To the Consumer Financial Protection Bureau : This is my follow-up response to Zwicker & Associates XX/XX/year> letter submitted to the CFPB regarding my dispute with XXXX XXXX XXXX Bank XXXX XXXX ) XXXX Zwickers response contains numerous material inaccuracies, false statements, omissions, and misrepresentations of the FDCPA and my communications. Their statements do NOT reflect what actually occurred, do not satisfy federal requirements, and raise significant compliance concerns. XXXX. ZWICKER FALSELY CLAIMS THEY PROVIDED INITIAL VALIDATION ON XX/XX/year> THEY DID NOT Zwicker states : We sent a validation notice dated XX/XX/year>. This is false. I did not receive any validation on XX/XX/year>. I did not receive any disclosures within XXXX days of their initial communication as required by law. I did not receive any notice that contained the FDCPA 1692g ( a ) language.…

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I am filing a complaint against XXXX XXXX and their law firm/collection agent, Zwicker & Associates , for continuing collection activities including filing a lawsuit after I submitted a timely and lawful debt validation request under the Fair Debt Collection Practices Act ( FDCPA ). I also received contact from another debt collector, XXXX XXXX, regarding one of the same alleged accounts, and they also failed to provide validation. Details of What Happened XXXX. Multiple Collectors Have Contacted Me About the Same Debt I have received communications from both Zwicker & Associates and XXXX XXXX regarding the same alleged XXXX XXXX credit card accounts. This creates confusion regarding who is authorized to collect and raises concerns about chain of assignment and proper handling of my consumer information. 2. I Sent Zwicker & Associates a Debt Validation Letter ( FDCPA 1692g ) I mailed a debt validation request to Zwicker & Associates on XX/XX/XXXX, via certified mail.…

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I reached a settlement agreement with Zwicker & Associates on behalf of XXXX XXXX regarding a credit card debt. The settlement payment was made in full, and the company accepted the payment. After paying, I requested written confirmation or a receipt showing that the account was settled or that the balance was reduced to XXXX. Zwicker & Associates refused to provide any written confirmation by email, portal, or PDF. They stated that I must wait 21 business days to receive a letter in the mail. I explained that I need written confirmation for my mortgage lender and that the delay is causing financial harm, including a possible delay in closing and increased costs. Even after explaining the urgency, the company still refused to provide any written acknowledgment of the settlement. At this point, they have accepted my payment but are withholding any written documentation confirming the account status, despite multiple requests.…

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This complaint concerns an alleged XXXXXXXX XXXX credit card account that I disputed immediately because XXXX has never provided proof that the account belongs to me. On or about XX/XX/year>, I sent XXXX a certified written dispute requesting full validation, including a signed agreement, proof of ownership, chain of title, and a complete account history. I also invoked the arbitration clause in the XXXX cardmember agreement if they claimed the account was mine. After receiving my dispute, XXXX continued furnishing negative information to the credit reporting agencies without validating the account, without marking it as disputed, and without conducting a reasonable investigation. On XX/XX/year>, Discovers law firm, Zwicker & Associates, sent a collection letter even though my written dispute and arbitration election were already on file. On XX/XX/year>, Zwicker confirmed in writing that they had received my dispute and arbitration election.…

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XXXX honestly scared and really confused right now. A company called Zwicker & Associates, XXXX recently sent me mail claiming I owe them a debt but I have never done any business with them. I have no idea what this is about. This came to me after my information was illegally shared in XXXX credit bureau breaches. To make things worse, when I checked my credit report, I saw that they accessed my credit report without my consent in XXXX or XX/XX/year>. I did not apply for credit, I dont have any open accounts with them, and I never gave them permission to pull my report. I dont even know who they are. They have also not provided any proof of this alleged debt, which I understand is required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I sent no request for credit, and they have not given me any documentation showing they have a legal right to collect from me or to even do business in my state.…

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I have settled XXXX debts with this credit reporting company and while settling they were given a cease and desist in which they violated multiple times without my consent. Additionally, I have paid the debts in which they are holding the reporting of these satisfied debts for over 21 days as they state they need to make sure that the check does not bounce. The creditor did not provide me any other format to pay these debts which have reduced the curation time and state that their processes are common knowledge. Which is not the case. Following the payment for these accounts XXXX has now updated the amount due on my account but still show it as XXXX outstanding which this account was settled in full per the agreed terms with Zwicker & Associates. Lastly, I am in the midst of applying for a purchase of a new home in which this will not only impact my credit score but will impact my APR which will cost me more money due to the delay in the accurate reporting of these accounts.…

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Zwicker & Associates, XXXX. attempted to collect and report an alleged XXXX XXXX debt that has been assigned to multiple collection agencies over time, including XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX. Each of these entities is reporting different information to the credit bureaus regarding the same XXXX XXXX account, such as inconsistent Date Last Reported, Date of Last Activity, and Date Last Payment. I disputed these inaccuracies in writing with all three credit reporting agencies and with Zwicker directly by certified mail. Each dispute was received and signed for, as shown by USPS Form 3811 receipts. Zwicker failed to provide validation of the debt or correct the reporting inconsistencies within 30 days, violating 15 U.S.C. 1692g ( b ) of the FDCPA and 15 U.S.C. 1681s-2 ( b ) of the FCRA. Zwickers continued reporting of inaccurate data and failure to mark the account as disputed also violates 1692e ( 8 ) of the FDCPA.

I had a health scare that put me out of work for some time, and have never been late on any of my accounts .had thought my payments were paid in full to later discover it was not of course I havent talked to anyone or have known what was going on, to discover it was sent to a debt law firm, the managers are very nasty omgoodness I pray the god they dont ever experience what I been through .this company Zwicker & Associates P.C cares about nothing the manager that assisted me could care less what I was going through and we ended no where