Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZWICKER & ASSOCIATES
State: NJ

Complaint narrative:
This complaint is not a similar complaint but a new complaint against this same outrageous company, their ongoing misleading information being provided in past complaints in dealing with a former creditor, XXXX XXXX. Recently received response from this company in complaint # XXXX this company is making misleading claims as to representation on behalf of a past creditor of mine, XXXX XXXX and trying to collect on an alleged debt. This company has had three past complaints filed against them by me. One had to due with not knowing who they were and appeared on my credit report as a soft pull. In response to that complaint, this company explained their reasoning and relationship to such soft inquiry on my credit report. On second complaint, # XXXX filled on XX/XX/year> was directed to this company as to receiving a letter from them as to attempts of collection of an alleged debt on behalf of XXXX XXXX XXXX The response from this company was to point out this was my second complaint against them. Next was to distant themselves from XXXX XXXX complaint and their representation that somehow Im being misdirected is a misleading statement. In this same response, this company goes on to stretch their response with useless information of this account with XXXX XXXX but does not mention anything of customer assistance program, provided documents to such agreement or offer any evidence that what my agreement as to the customer assistance program I had with XXXX XXXX, the payment program and addressing the XXXX form is left out of their response. Also, in this same response, this company, as expected from such debt collection companies or junk fee buyers used words such as, XXXX XXXX instant complaint, and He believes as to this alleged account and its status is this companys assumption of what they believe is accurate and true but actually is false, misleading and inaccurate information. Their explanation of me not tendering all my payments is again, inaccurate, false and misleading information. There validation version of accuracy as to what again, they stated, is indeed that I owe to XXXX XXXX again is not accurate as the customer assistance program has provided a payment program, paying a certain amount back each month then after such, issuing a XXXX form of forgiveness of debt that would need to be reported on yearly tax return as earned income per tax laws. Since XXXX did not provide this XXXX form, they now are attempting to collect additional income/payments instead. This is causing this company, Zwicker & Associates to now, supposedly act as agents of XXXX XXXX to collect this alleged debt. Recently in a phone conversation with XXXX XXXX I was informed they do not have any control of this debt as it was written off/ charged off and sold. A recent new complaint again against this company, Zwicker & Associates as to there involvement, representation of XXXX as their attorneys trying to collect on this alleged debt is now in question and my be misleading information to such. This company also unethically, and as they have be doing in this dispute, continues to assumes or interpret my cease and desist, as something else such as because I sent a cease and desist demand, they assume Im asking for verification of this alleged debt and then sending me some monthly past statements which show no evidence of my complaint of the customer agreement between XXXX XXXX and myself. Its ridiculous and useless but just shows how this company is using its office to harass and intimidate me as to this alleged debt that they lack information as to the customer assistance agreement. They have not even provided proof of an agreement between XXXX XXXX this company even being legally allowed to contact me on XXXX banks behalf. 
Last, this company seems to complain and constantly complain about my rights as a consumer to use the CFPB, FTC and other government agencies to file claims of possible violations or abuse against them. Note to Zwicker & Associates, learn consumer protection laws before you try and gage or silence peoples rights and their freedoms to file such complaints and bring transparency to companies like yours who try to silence consumers complaints against your office This company also has a history of over XXXX complaints with the Better Business Bureau alone. Im filing this new complaint against XXXX XXXX XXXX for what I interpret as internationally and unethically in their past responses to sway the CFPB of my complaints about them by mentioning several times the amount of filings against then in each response. Its my consumer rights and the government agencies Im legally obliged to use to distribute, which seems to be misleading information on an alleged account and is balance is my rights as a consumer. This company, because they are a law firm seems to think that Federal and state laws dont apply to them and me as a consumer, should not be filling complaints that they want to appear as misleading or inaccurate, that as a consumer, we shouldnt question such accusations and just pay. This new complaint is being filed against this company for attempting to, what appears to be trying to persuade this government agency to dismiss my complaint and just ignore the consumers concerns of such alleged debt which is not owed. This account has been and is still in pending investigation dispute with the credit bureaus. This company, Zwicker & Associates are deliberately trying to allow what is an open and ongoing investigation and legitimate complaint to be investigated and is interfering with such investigations. This is alarming and illegal violation of due process by Zwicker & Associates to undermine and violate my consumer rights to dispute inaccuracy and unfair credit reporting.

Company response to consumer: Closed with explanation