Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ZWICKER & ASSOCIATES
State: NJ

Complaint narrative:
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. XXXX XXXX, XXXX XXXX XXXX XXXX Voicemail account holder XXXX confirmed phone contact. No creditor named, no debt amount stated, no rights disclosed. XXXX only. XXXX XXXX, XXXX XXXX XXXX XXXX Third-party contact wife Called wife 's personal mobile just XXXX minutes after first call to account holder. Number in account holder 's name on family plan but exclusively used by wife ; account holder has never used it. XXXX XXXX, XXXX XXXX XXXX XXXX Third-party contact wife ( repeat ) Called wife 's number again. Second contact with same third party FDCPA permits at most XXXX contact per third party for location purposes. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account holder Voicemail left by XXXX XXXX XXXX Zwicker & Associates. No creditor named, no debt amount stated. This is 5 days after first contact ; no written notice had yet been received. 4. Alleged FDCPA Violations Violation 1 Unauthorized Third-Party Contact ( 15 U.S.C. 1692c ( b ) ) The FDCPA prohibits debt collectors from communicating with third parties in connection with the collection of a debt, except in very limited circumstances ( e.g., to locate the debtor ), and even then only once per third party. On XX/XX/year>, just XXXX minutes after their first call to me, Zwicker & Associates called my wife 's personal mobile phone. This number, while registered in my name as part of a family mobile plan, has never been used by me and is exclusively my wife 's personal number. The XXXX gap demonstrates no genuine attempt was made to reach me before escalating to a third party. On XX/XX/year>, they called my wife 's number again a second contact with the same third party, which is not permitted under the FDCPA. Violation 2 Failure to Provide Timely Debt Validation Notice ( 15 U.S.C. 1692g ) The FDCPA requires that within 5 days of initial communication, a debt collector must send the consumer a written notice containing : the amount of the debt, the name of the creditor, and the consumer 's right to dispute the debt. Zwicker & Associates ' written letter was dated XX/XX/year> but was not postmarked until XX/XX/year> the same day as their first phone contact. The letter was not received by me until XX/XX/year>, five days after collection activity began. During the entire intervening period while the firm was making phone calls I had no written information regarding the debt, the creditor, or my rights. None of the voicemails left by the firm disclosed the creditor 's identity or the amount of the alleged debt.

Company response to consumer: Closed with explanation