Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ZWICKER & ASSOCIATES
State: VA

Complaint narrative:
My original debt was {$4000.00}, and I entered into a settlement agreement with XXXX XXXX  for {$1200.00} on XX/XX/XXXX. I have since paid {$1300.00}, exceeding the agreed settlement amount. All payments were made on time and are fully documented. According to that agreement, this debt should have been considered satisfied in full. 

On XX/XX/XXXX, however, I received a single email from Zwicker & Associates, a debt collection agency representing XXXX XXXX, falsely claiming I still owe {$3300.00}. Not only is this completely inaccurate, but the original balance they cited in the same correspondence was $ XXXXwhich is not even the correct original amount. The original debt was {$4000.00}, not {$4000.00}, as proven by my account records. This discrepancy raises serious questions about the accuracy, integrity, and legal basis of Zwickers calculations. 

Before this, I had already been harassed with multiple phone calls from several different numbers, despite having sent proof of payment. I physically went to a XXXX branch where a banker helped me connect with XXXX XXXX, a Consumer Support Specialist. On a recorded line, XXXX XXXX acknowledged that a system error on XXXX  part caused my account to be incorrectly flagged and assured me the issue would be escalated internally. She even admitted that my account showed as " paid '' in their system but was somehow still being pursued. Despite this admission, XXXX has never responded to my original dispute claim or provided any documentation within the 60-day timeframe required by law. 

Now, as of XX/XX/XXXX, I have just received a letter dated XX/XX/XXXX, from Zwicker & Associates, which states that I had until XX/XX/XXXX, to dispute the debt. It is now mid-May. This letter arrived over two months late, making the dispute deadline completely meaningless. The irony of Zwicker offering me options to dispute a charge only after the legal dispute window has closed shows either gross negligence or deliberate bad-faith tactics to prevent consumers from protecting themselves. 

Additionally, the printed transaction history I obtained from a XXXX branch doesnt even show my installment payments. Its as if my payments were erased from the system entirelyfurther confirming that this is a XXXX XXXX XXXX, not mine. I was falsely told by the XXXX XXXX Department that I was sent emails that I never received. On a separate recorded call, XXXX XXXX, an Account Specialist with XXXX, confirmed that my settlement was finalized and that I had paid off the debt. However, I have not been able to reach her again for additional clarification. 

This situation has caused me significant financial and emotional harm. My credit score has been damaged, which affects my ability to qualify for loans, secure housing, and maintain financial stability during a time when the cost of living is at an all-time high. The unnecessary stress and hardship have been compounded by the lack of transparency and urgency from both XXXX and XXXX. 

I have formally requested : A full internal transaction log from XXXX reflecting the settlement and my payments. 
All email correspondence XXXX claims to have sent. 
A breakdown of how XXXX arrived at the false figure of {$3300.00}. 
An official letter from XXXX confirming the debt is resolved and closed. 
Immediate correction of any inaccurate credit reporting associated with this issue. 
Instead of addressing these points in writing, XXXX continues to insist on speaking over the phone, even after Ive clearly requested communication in writing for documentation purposes. Just recently, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, left me a voicemail urging me to call her backcompletely disregarding my written request. This tactic seems designed to avoid a XXXX XXXX and shield XXXX from accountability. 

To summarize : I settled and overpaid my debt. 
XXXX acknowledged a system error but failed to act within the legal timeframe. 
Zwicker reported the wrong original balance, sent a dispute letter months late, and misrepresented my rights. 
I am suffering lasting credit damage, all due to failures beyond my control. 
This case reflects clear negligence, possible FDCPA violations, and bad faith handling on the part of both XXXX XXXX  and Zwicker & Associates. A fair resolution would involve not only clearing this account officially and correcting all credit inaccuracies, but also compensating me for the stress, financial impact, and the systemic mishandling of my case.

Company response to consumer: Closed with explanation