Consumer complaint received 2025-04-29 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 against Zwicker & Associates,  XXXX. should not be associated or aligned with a previous complaint filed on XX/XX/XXXX case # XXXX. On XX/XX/XXXX after receiving letter, dated XX/XX/XXXX from this company as XXXX an alleged debt on behalf of XXXX XXXX, I sent a cease XXXX desist letter to not only this company, but also copied XXXX bank. This letter of cease and desist was sent certified mail on XX/XX/XXXX XXXX  was received by Zwicker & Associates on XX/XX/XXXX @ XXXX am. A consumer complaint # XXXX was also filed against this company as well XXXX  further document misleading XXXX inaccurate information that was stated in there initial letter. This letter, as XXXX  the alleged debt, its balance XXXX its status was misleading XXXX  not accurate XXXX filing a complaint was necessary XXXX ensure XXXX  protect my rights XXXX  dispute this claim XXXX  be transparent XXXX any such allegations of debt. This company responded on XX/XX/XXXX through this agency of there law firm XXXX its attorneys represent XXXX banks for recovering unpaid balances in reference XXXX  an account ending in XXXX. This issue with XXXX XXXX XXXX  myself has been ongoing for several months. The access CLOSED, due economic and financial issues. The account was placed in a consumer assistance program, paying back a certain amount and any balance after was to be forgiven in the issue of a XXXX form. This ongoing disagreement had led to complaints and to date, open disputes with Experian credit. Today, XX/XX/XXXX @ XXXX pm XXXX XXXX bank representative from the corporate office had called me as to this alleged debt. We spoke on a recorded line for just over XXXX minutes, with me mostly providing additional information to this agreement, including a recorded conversation I had just previously last week with another XXXX representative from this same corporate office gentleman. That recorded call, which the XXXX representative was aware of and agreed to, was just over XXXX minutes. I informed this representative today of that call, the additional information and notes that were added to this account. I told the XXXX representative today in our XXXX minutes of conversation of being told by the other representative in last weeks conversation that XXXX bank had XXXX departments working on my dispute. I also told todays XXXX representative of the male XXXX representative, in last weeks recorded conversation that he could see notes on the account that XXXX XXXX departments are working on this issue/ dispute an this issue of the XXXX form I had mentioned to him, again, in our long recorded conversation was being discussed as a possible solution. The male representative from XXXX bank in last weeks conversation stated he would update the account with additional notes and would add his own personal notes as well. I informed the female representative today of this as well. The female representative today in our conversation told me she was sorry for any inconvenience or misunderstanding this has caused me but they sold the account and can not do anything now. I thank the XXXX representative today for the updated information and she was extremely kind. Now, later today, XX/XX/XXXX I received an envelope from Zwicker & Associates. A cover letter read Enclosed is documents regarding your account. The documents in closed were copied monthly billing statements from XX/XX/XXXX to XX/XX/XXXX only. This company sending me these monthly statements makes no sense, does not address the alleged debt whatsoever or provide proof of a alleged debt I owe. This company, in past complaint filed on XX/XX/XXXX case # XXXX and responded on XX/XX/XXXX that they are attorneys that represent XXXX bank XXXX this alleged debt as there client is false and misleading response. After speaking with XXXX bank today, in the phone call they made XXXX me @ XXXX pm EST i was informed by the female XXXX representative they had written off the account and do not have control of its status or authority over it. This company, Zwicker & Associates are being deceptive and misleading as stating they represent XXXX bank as there attorneys to collect on this alleged debt, they do not work for XXXX bank on collections to this alleged account. It should be noted, I have sent a cease XXXX desist letter XXXX this company, Zwicker & Associates on XX/XX/XXXX and they received this notice by way of certified mail, signature received. In attached letter, it specifically reads, Pursuant to the XXXX Fair Debt Collection Practices Act, ( XXXX XXXX XXXX ) you are to immediately cease XXXX desist further communication with me as to this alleged debt This company is now violating my consumer protection rights, as well as the NJ department XXXX consumer affairs department by sending me communication via XXXX mail with todays envelope of copies of past past monthly statements from only XX/XX/XXXX to XX/XX/XXXX. This is a clear XXXX obvious violation of my demand letter XXXX cease and desist communication with me. This is not only harassment but clearly a deliberate attempt XXXX cause me and my family anxiety XXXX  stress over this alleged debt. I will also file a formal complaint with the Federal trade commission as well but an filing this complaint directly XXXX this company deliberately ignoring my consumer protection rights XXXX not contact me.

Company response to consumer: Closed with explanation