Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
I requested Zwicker & Associates to provide the requested documents to validate the debt. Instead all I received were a stack of statements for the alleged loan. I also requested their license to collect in my state. I also sent them the same letter to validate the debt since I never had an agreement with Zwicker & Associates ( cllection agency ). I have attached proof of my claim and their response showing I notified them for documentation but but ignored my request for ALL requested documents. Last, I requested they sign the penalty under perjury confirming all the documents are true and my claims are not valid. No response to that! 

I am submitting my compliant to you and to the Attorney General for enforcement regarding the above-referenced account. I wish to address several concerns and request immediate action to rectify the situation in compliance with applicable laws. 

I hereby revoke their authorization to share my nonpublic personal information with any nonaffiliated third parties as outlined in the Gramm-Leach-Bliley Act ( GLBA ) and FCRA. 

To resolve this matter, I request the following within 5 days : XXXX. Remove all reporting of this charged-off account from my credit report. 
XXXX. Confirm whether a 1099-C has been issued, and if not, issue one immediately. 
XXXX. Revoke the sharing of my personal information with any nonaffiliated third parties. 
XXXX. Proof you are licensed to do business in my state. 
XXXX. CERTIFICATION OF AUTHORITY : Please provide ( a ) : verified certificate of authority, or fictitious/assumed name certificate from the XXXX XXXX XXXX  your firm, Zwicker & Associates to transact business in the State of Texas. 
( b ) : your license number ( XXXX ) and XXXX XXXX. 

XXXX. AUTHORIZATION CONTRACT : Please send me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above alleged account, and naming you as an authorized XXXX XXXX XXXX 

XXXX. AFFIDAVIT OF CLAIM : Please send me a commercial affidavit, sworn to be true, correct, and complete, upon the commercial liability of a properly identified XXXX employee, or agent, hereinafter XXXX, stating that : a. ) said creditor is the HOLDER IN DUE COURSE of the above referenced account. 
b. ) Affiant is authorized to ASSERT A CLAIM on behalf of the original Creditor. 
XXXX ) Affiant has PERSONAL FIRST HAND KNOWLEDGE regarding the fact of the alleged account and is the original XXXX of the books of entry, or directly supervises said original XXXX of the records. 

XXXX. ORIGINAL NOTE : Please send me a verified copy both FRONT and BACK of the alleged ORIGINAL promissory note in its entirety, including any application, accompanied by a commercial affidavit, sworn to be true, correct, and complete, upon the commercial liability of a properly identified and authorized XXXX, employee, or agent of the alleged original creditor who states that he/she has PERSONAL FIRST HAND KNOWLEDGE that said front and back verified copy is that of the original promissory note. 

XXXX. COMPLETE BOOKKEEPING ENTRIES : Please provide the original account and general ledger showing the account receivables and the account payables statement ( not the loan history statement ) of the alleged obligation you are attempting to collect has not been paid, accompanied by a commercial affidavit by the original XXXX of the books and records sworn to be true, correct, and complete, upon his or her commercial liability. 

XXXX. Please verify the debt collector, has not purchased the debt and are proceeding with collection activity in the name of the original alleged creditor. 

XXXX. Please verify the note was not collateralized as a mortgage backed security. 

XXXX. Please verify that you know and understand by signing, notarizing and returning the attached penalty under perjury that all of the above is true and correct. By contacting me again after receipt of this notice without providing procedurally proper validation of the alleged debt may constitute MAIL FRAUD. 

I appreciate your immediate attention to this matter and look forward to your written response. Please send your response to the address listed above in writing.

Company response to consumer: Closed with explanation