Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
CFPB COMPLAINT UPDATED SUBMISSION Company : Zwicker & Associates, P.C. 
Related Company : XXXX XXXX  Product : Credit card Issue : False statements or representation ; Improper investigation ; Inaccurate information provided to a federal regulator Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  COMPLAINT NARRATIVE I am submitting this complaint to report materially inconsistent and misleading representations made by Zwicker & Associates, P.C. ( Zwicker ) to the Consumer Financial Protection Bureau concerning XXXX XXXX  account ending XXXX XXXX XXXX XXXX XXXX, and to request clarification necessary for accurate regulatory oversight. 

This complaint is based on Zwickers CFPB responses dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, which present irreconcilable positions regarding Zwickers role, knowledge, and responsibility for the account at issue. 

XXXX. Inconsistent Representations Regarding Agency Status In its XX/XX/XXXX CFPB response, Zwicker asserted that it was no longer representing XXXX XXXX and that its file regarding this account was closed. This assertion conflicts with other information provided to the Bureau during the same period. 

Specifically, XXXX XXXX  contemporaneous regulatory communications directed me to Zwicker as the point of contact for this account. Zwicker did not disclose this contradiction or explain how its asserted non-representation status aligned with XXXX XXXX representations to the Bureau. 

These inconsistent statements prevent a clear determination of which entity was responsible for investigation, validation, and regulatory compliance at the time Zwicker submitted its response. 

XXXX. Demonstrated Access to Non-Public Information Inconsistent with Claimed Non-Involvement Despite asserting that it was no longer involved with the account, Zwickers XX/XX/XXXX response reflects detailed, non-public knowledge of the procedural posture of my active XXXX  arbitration involving XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), as well as knowledge of communications involving successor counsel. 

This information is not publicly available and would ordinarily be accessible only to an entity with ongoing access to the account file, litigation materials, or internal coordination with XXXX XXXX  or its agents. 

Zwicker did not explain how it obtained or retained access to this non-public information while simultaneously disclaiming representation or responsibility for the account. 

XXXX. Obstruction of Regulatory Clarity Through Shifting Positions Taken together, Zwickers submissions suggest a pattern in which the firm alternately disclaims involvement when addressing substantive validation and investigative obligations, while demonstrating detailed involvement when responding to the Bureau. 

This lack of clarity regarding the scope and timing of Zwickers agency relationship with XXXX XXXX  materially frustrates the XXXX ability to assess whether : a reasonable investigation was conducted ; statutory duties were fulfilled by the appropriate party ; and regulatory responses were reviewed for factual accuracy by a responsible attorney. 

XXXX. Failure to Identify Responsible Reviewing Attorney Despite the seriousness of the representations made, Zwicker has not identified the individual attorney responsible for reviewing and certifying the accuracy of its CFPB submissions.

Without identification of the reviewing attorney or clarification of Zwickers authority at the time of submission, the XXXX can not determine whether these responses were subject to meaningful legal or factual review prior to filing. 

REQUESTED CFPB ACTION I respectfully request that the XXXX : XXXX. Require Zwicker & Associates, P.C. to state the specific date on which its agency or representation relationship with XXXX XXXX  concerning this account ended, if at all. 
XXXX. Require Zwicker to explain how it retained access to non-public account or arbitration information after that date, if it contends that representation had already ceased. 
XXXX. Clarify whether XXXXXXXX XXXX  and Zwicker provided consistent representations to the XXXX regarding responsibility for this account during the relevant period. 
XXXX. Require Zwicker to identify the attorney responsible for reviewing and approving its CFPB submissions, including the XX/XX/XXXX response. 
XXXX. Investigate whether the inconsistent representations impaired the XXXX ability to evaluate compliance with federal consumer protection statutes. 

CONSUMER STATEMENT This complaint is submitted in good faith to ensure the accuracy of the regulatory record and to permit effective oversight. I am not requesting that the XXXX adjudicate the underlying dispute, but rather that it ensure transparency, accountability, and consistency in representations made to a federal regulator.

Company response to consumer: Closed with explanation