Consumer complaint received 2025-04-01 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 against XXXX bank XXXX XXXX # XXXX. In XX/XX/XXXX due directly to being critically injured in the line of duty as a law enforcement official then additional health issues related to XXXX XXXX, a loss of income and quality of live hit us unexpectedly. As I result, closed several credit cards, modified my mortgage and called XXXX bank as to a balance of about {$12000.00} XXXX owed. After speaking with XXXX bank XXXX department, I was placed in a customer assistance program where I would pay {$260.00} per month on auto pay, around the XXXX of each month paying back $ {$3900.00} of the {$12000.00} XXXX owed. Once payment of {$3900.00} was paid back, the remainder would be forgiven by XXXX bank in a XXXX form for tax reasons. XX/XX/XXXX was last {$260.00} payment then next payment of {$38.00} would be taken out in XX/XX/XXXX which this customer assistance program would be over. This did not happen as XXXX bank continued to try and take another {$260.00} payment in XX/XX/XXXX. Since then, Ive called XXXX bank and no one knows anything about this customer assistance program but it is clearly seen monthly in payments taken on credit report and my bank account. Also, the account was closed in XX/XX/XXXX because of being in this customer assistance program. Its been closed since XXXX with ongoing monthly payments of {$260.00}. Now, on XX/XX/XXXX I noticed a soft credit pull of my XXXX credit report was made by a company, entity named Zwicker & Associates. I have no idea who they are or if they even have authority to pull a soft credit report of mine, being in federal, state XXXX XXXX law enforcement. My personal information is paramount to the safety of my family and myself. As a result, I filed a complaint on XX/XX/XXXX case # XXXX. Now on XX/XX/XXXX I received a collection letter, dated XX/XX/XXXX from this same company, XXXX Zwicker & Associates as to an alleged debt by XXXX bank who is now using this company as an agent to harass, intimidate and collect on an alleged debt that appears XXXX bank XXXX is behind. Ive already tried disputing this alleged debt with XXXX bank through XXXX on line dispute center on XX/XX/XXXX. Soon as I filed this dispute, the same day, XXXX filed it had flagged my account on XXXX as charged off. Very suspicious. I filed an additional complaint through XXXX today with additional information as to this account that XXXX is trying to breach the customer agreement and just go forward on trying to collect more money. Today I filed a written letter of cease and desist demand along with additional documents requested to XXXX of XXXX bank XXXX addresses and especially to this collection company as to this alleged debt, Zwicker & Associates who sent this recent collection letter dated XX/XX/XXXX. I will be mailing these letters by certified mail, signature required as proof of delivery and delivery confirmation tomorrow, XX/XX/XXXX. XXXX also filing this complaint against XXXX Bank XXXX and Zwicker & Associates as a formal notice to cease and desist any further communication with me as to this alleged debt from both through this government server, agency.

Company response to consumer: Closed with explanation