Zwicker & Associates

Zwicker and Associates filed suit against me for past due XXXX XXXX XXXX. XXXX XXXX XXXX agreed to settlement. Settlement was made per agreement and Zwicker & Associates re opened lawsuit to collect funds paid in full and timely. I incurred additional legal fees and financial stress.

Zwicker & Associates, XXXX. ( XXXX XXXX XXXX, XXXX, MA XXXX, File ID XXXX ) initiated collection contact on behalf of XXXX XXXX, XXXX.. This is the second third-party collector XXXX XXXX has assigned to this account. The previous collector, XXXX XXXX XXXX, XXXX, failed to validate this debt despite receiving XXXX formal certified demands for validation. XXXX XXXX 's only response consisted of templated XXXX XXXX billing statements, which do not constitute validation under XXXX XXXX. XXXX. XXXX XXXX subsequently returned the account to XXXX XXXX after filing its own CFPB response ( Case XXXX ) admitting it placed the account on cease and desist status. XXXX XXXX then placed the account with Zwicker & Associates despite having acknowledged a cease and desist on the account on XX/XX/year>.…

In XX/XX/XXXX, I started receiving collection related mail from Zwicker PC about collecting debt in behalf of XXXX XXXX. On XXXX, I called Zwicker PC and spoke with an associate disputing the collections. I relayed that I have reported to XXXX XXXX multiple times in XXXX about the fraudulent activities regarding my accounts ( 2 credit cards and 1 debit/checking account ). I emailed the related police reports and IC3 reports to XXXX per their instruction. I continue to receive mail that I still owe debt to XXXX XXXX. I called back to Zwicker PC on XXXX to request for the research documents used to deny my claim of fraud. I was not provided the information used, other than a phone number to a card member liaison.

I have instructed Zwicker & Associates, XXXX. to stop emailing or calling me, and to direct contacts to my attorney. I have emailed them twice now but they continue to call and email me.

Contacted Zwicker and Associates to settle an outstanding debt collection that had a judgement. We agreed on a payoff amount over the phone but they refused to send any type of agreement in writing. I do not even have an accurate payoff amount for the full judgement and the claim was because the interest rate charged changes daily to the amount owed. I asked if I paid the agreed amount over the phone in that moment would I receive a receipt stating paid in full and they said no I would have to contact another number with the attorney who was assigned to that claim. I called the number provided to speak directly to the attorney and it just called the same automated number. As of now they claim they can not give anything in writing and XXXX person stated that the phone call was recorded and that was enough!

Zwicker & Associates, XXXX. ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) is collecting on a default judgment ( Index No. XXXX, Civil Court of the City of XXXX XXXX , {$3600.00}, entered XX/XX/XXXX ) obtained by XXXX XXXX XXXX XXXX . I was never served with the underlying complaint filed in XXXX. I received zero prior communication from Zwicker & Associates at any time no letter, no email, no telephone call at my XXXX XXXX XXXX address or my XXXX, Massachusetts address, before discovering in XX/XX/XXXX that my XXXX XXXX account ( ending XXXX ) had been restrained. On or about XX/XX/XXXX, Zwicker served a Restraining Notice on XXXX XXXX XXXX, XXXX. The restrained account contained exclusively Massachusetts unemployment insurance benefits ( $ XXXX ) and a {$2000.00} security deposit refund funds absolutely exempt from levy under New York Labor Law 595 ( 2 ), CPLR 5205 ( 1 ) ( e ), and Massachusetts M.G.L . c. 151A 36.…

I am submitting an additional complaint regarding Zwicker & Associates and their handling of XXXX alleged XXXX XXXX accounts. On XX/XX/year>, I mailed a certified debt validation request directly to Zwicker. Zwicker has acknowledged receiving this correspondence. Despite this, Zwicker has stated in prior CFPB responses that they did not communicate directly with me and instead directed all communications, including alleged validation, to a third party, XXXX XXXX, which they referred to as my agent or representative. I never gave Zwicker explicit written communication with authorization to treat XXXX XXXX as my legal representative for purposes of debt collection or legal notice. XXXX XXXX is not a law firm, and I did not authorize them to receive validation or other sensitive account information on my behalf. As a result, I never received any validation or initial communications directly from Zwicker prior to being served with a lawsuit.…

I have been attempting to make payments toward a Consent Judgment Agreement handled by Zwicker & Associates on behalf of a major credit card issuer. The agreement requires monthly payments, and I have been making them as scheduled. Recently, the online payment portal stopped accepting my File ID and displayed an error stating that the file ID is invalid or that the account can not access the portal. I contacted the firm multiple times by phone and left several messages requesting assistance, but I have not received any response. Because the portal is inaccessible and the firm has not returned my calls, I can not verify my payment status, confirm that my payments are being properly credited, or obtain updated balance information. I also can not determine whether the account is restricted or whether the firm has changed the File ID or payment process.…

Collector ( Respondent ) Firm name Zwicker & Associates, PC Also known as Zwicker & Associates, Attorneys at Law Address XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. Nature of Complaint I am filing this complaint against Zwicker & Associates, PC, a debt collection law firm acting on behalf of XXXX XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. The violations include unauthorized third-party contact, repeated contact with the same third party, and failure to provide a timely written debt validation notice. XXXX. Chronological Contact Log The following contacts have been confirmed and documented. All times are Eastern Standard Time ( EST ). Only contacts that can be proven are included. Date & Time Contact Type Issue XXXX XXXX, XXXX ( letter date ) Written notice issued Validation letter dated XXXX XXXX, postmarked XXXX XXXX ( XXXX XXXX ), received XXXX XXXX. Not in complainant 's possession during any of the phone contacts below.…

I am submitting this complaint against Zwicker & Associates, P.C., acting on behalf of XXXX XXXX XXXXXXXX, regarding continued collection and litigation activity on a disputed debt without adequate substantiation of personal liability. Zwicker is attempting to collect on an alleged XXXX XXXX XXXX XXXX credit card account purportedly associated with a business entity. I dispute any personal liability for this obligation in its entirety. I did not open, authorize, or personally guarantee the alleged account, and I did not receive any personal benefit from it. I provided written notice disputing the debt and requested validation. Despite being on clear notice that liability is disputed, Zwicker has continued collection activity and has maintained the position that I am personally responsible. Zwicker asserts that it previously provided validation in the form of billing statements and account terms.…

XX/XX/XXXX at XXXX : I was informed that my debt was paid by an XXXX and I had offered to pay the rest of my amount due when I had the money in my account but she only took {$240.00} out of my account. Requested all of my information to be transferred to my new address which was from XXXX, CA to XXXX, XXXX XXXX XX/XX/XXXX at XXXX : I received a voice message from XXXX XXXX and she requested I call back regarding debt I assumed was paid off. XX/XX/XXXX at XXXX : I called and spoke with XXXX and he had taken down my complaint. He admitted that notes were taken from all previous payments and calls regarding the debt and it was an error.…

Company is sending me letters with threat to sue and they keep sending people to my house to try to serve me papers about a debt that isn't even mine. I reached out via letter, email, and I attempted to use their chat function on their website.

I am providing additional clarification regarding a payment made to Zwicker & Associates. On XX/XX/year>, a payment of {$1100.00} was withdrawn from my account, as shown in my bank transaction record. This transaction was authorized at the time under the clear understanding that the referenced account had already been paid off and resolved. However, despite this payment, a new balance has appeared again on the same account. This is extremely concerning and inconsistent with my understanding at the time of payment. To be clear : I authorized payment in good faith to resolve the account I was under the explicit understanding that this account had already been satisfied After payment, the account balance has reappeared without explanation At this point, the account history is unclear, inconsistent, and lacks transparency. I do not have any clear documentation explaining how this new balance was generated.…

Zwicker & Associates, P.C. obtained a Writ of Garnishment on behalf of XXXX Bank ( XXXX XXXX case XXXX ) and froze my XXXX XXXX bank account on XX/XX/XXXX without providing any of the mandatory statutory notices required under Florida Statute 77.041. I am a Texas resident at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. XXXX mailed the required documents to XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, an address where I have not lived since XXXX. On XX/XX/XXXX, I sent Zwicker XXXX emails stating I had no notice and had relocated. Their attorney negotiated settlement terms but never mentioned my right to claim exemptions. The next day they filed a Certificate of Service claiming they mailed to the XXXX XXXX address. XXXX XXXX 's Answer confirmed my Texas address was on file. Zwicker is pursuing {$56000.00} when the court-filed settlement stipulation is {$33000.00} with {$27000.00} remaining. No motion to vacate the stipulation was filed.…

I was a victim of identity theft for the past XXXX years. My account has been used to purchase phones in california, create unemployment accounts in california and also to open a XXXX XXXX credit card. I have additional debt that I have not used myself.

I called them to validate debt they never validated the debt at all, now they sent me to court for arbitration court cases against me Zwicker & Associates P.C

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.…

Collection Company sue me on XX/XX/XXXX on a time barred debt that they stated on the citation that was charged-off on or about XX/XX/XXXX. My self answer with the affirmative defense of Statute of Limitation under the Texas Civil Practice and Remedies as this action was not commenced within XXXX years after the cause of action occurred .. With NO RESPONSE by Plaintiff. My self send a second notice with a Demand of Immediate Dismissal & Notice of Statutory Violation .. With NO RESPONSE by Plainttif . Court day still active by XX/XX/XXXX.

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.…

Zwicker and Associates ( XXXX XXXX state bar # XXXX ) received a settlement amount for me in XXXX. This was a fraudulent debt I didn't owe but settled to have my bank account released. The settlement made was accepted and account was released. On XX/XX/XXXX, the same company along with XXXX XXXX XXXX XXXX bar # XXXX submitted a judgment that had been satisfied to the courts representing false, misleading and deceptive acts. ( FDCPA. both attorneys and the firms have displayed actionable deception. This a violation of the Consumer protection laws the result of their carless actions has caused an immense hardship on my family, defamed my character, financial devastation, emotional distress, burden of defending, reputational damage, disruption of daily life, and malicious prosecution.

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.…

I received a call today at XXXX XXXX from XXXX stating that I need to bring my account current, as my payments are not reflected in their system. I was told that I have been past due since XXXX, which is incorrect. I am attaching my bank statements showing payments made in XX/XX/XXXXXXXX and XX/XX/XXXX. I do not understand why the automatic debit from my accountpreviously set upis not being processed. There are no payments reflected for XXXX and XXXX because XXXX failed to withdraw the funds from my account as they had done in the past. I am unaware of the reason for this failure, which has now resulted in my account being reported as delinquent and negatively impacting my credit. I had agreed to make monthly payments of {$100.00}, and recorded calls should confirm my multiple attempts to ensure that my automatic payments were processed from my checking account. Given my clear intent to pay, I do not understand why I am being reported negatively or contacted for collections.…

Zwicker & Associates, P.C. is trying to collect a debt from me, however after further investigation, I do not owe this company any money.

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.

Received a letter today of filing within XXXX county for someone named XXXX XXXX. Letter was only addressed to me. Why do I know of someones personal debt? This is a clear violation.

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.…

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.…