Consumer complaint received 2022-11-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ZWICKER & ASSOCIATES (SC)

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.