Consumer complaint received 2025-05-16 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 new complaint is against a company, XXXX XXXX XXXX as to a recent, new violation of my consumer rights under the Federal Fair Debt Collection Practices Act, ( 15 USC 1692c ). Ive been receiving letters from this company, who has been trying to collect on an alleged debt on behalf of XXXX XXXX. The alleged debt in question has been being worked on between me and XXXX XXXX  corporate office as to an agreement made back in XXXX. The agreement was about entering into a customer assistance program, paying less each month, I believe {$260.00} then paying back {$4300.00}. After paying back {$4300.00} the balance of this account would be forgiven in the XXXX of a XXXX form from XXXX XXXX. XX/XX/XXXX was the last payment of such, paying back as of XX/XX/XXXX {$4200.00} with a {$12.00} balance. XXXX XXXX  attempted to withdraw the {$260.00} instead and I place a stop payment. Since then, this discussion of this agreement has been an ongoing back and forth argument between me and XXXX bank. At the end of XX/XX/XXXX I noticed this company, Zwicker & Associates had did a soft pull of my credit report. Not knowing who they were, a complaint was filed. Within XXXX days of that complaint, I received a collection notice from this company, claiming they represent XXXX bank in collecting this debt of {$8300.00}. I filed another complaint against this company as Ive already had spoken to XXXX XXXX  who informed me they did not hire attorneys to collect this debt. This prompted another complaint against this company for possible misrepresentation. Meanwhile, Ive been speaking to XXXX XXXX  corporate office, XXXX in late XX/XX/XXXX with a make representative. For almost an hour on the phone, the male representative was updating my account with information I was providing, and he informed me of what he could see on his computer as that XXXX different departments of corporate XXXX were actively working on this account to find a resolution to my claim of the customer assistance program and the issue of a XXXX form. The representative told me he could see in the account that the XXXX form was XXXX of the possible resolutions that were being considered. He apologized for any inconvenience and stated someone from that office would call me next week for further discussion. The following week I received a phone call from a XXXX woman from this department to this account. She informed me that the male representative was incorrect with information he informed me of, the account had been written off/ charged off and that XXXX has no further authority over the account. I mentioned this company, Zwicker & Associates who have contacted me, stating on XXXX  behalf on this account. The female representative had no information to give me to this and to the best of what she can see, XXXX has not hired attorneys as related to this account. This prompted another complaint with the CFPB against Zwicker & Associates as to possibly misrepresenting themselves as attorneys for XXXX after I was informed of no such attorneys were assigned by the female representative, her name was XXXX XXXX and works in corporate office of XXXX. I received another phone on XX/XX/XXXX from XXXX XXXX as related to the most recent CFPB complaint against Zwicker & Associates but copied XXXX bank. This call came in @ XXXX am and the call lasted XXXX minutes as we spoke about this complaint was not directed to XXXX but to Zwicker & Associates for there continued communication tactics and my complaints against them as to possibly misrepresenting themselves as attorneys for XXXX bank. XXXX XXXX informed me again about the account had been written off/charged off and she has not authority to do anything with it. I then ask her about this company, Zwicker & Associates and do they infact represent XXXX in this matter or not. XXXX XXXX informed me she would look into it, and get back to me by XX/XX/XXXX. After that call, I called this company, Zwicker & Associates @ XXXX pm on XX/XX/XXXX. XXXX a recorded line, I introduced myself and ask to speak with a person who signed the responce from a recent CFPB complaint. I was told by a female receptionist that she could not transfer me to a specific person but my call needs to be directed to another department, which she did. After speaking with another female representative, who ask to verify my name, address and last XXXX of my social security # she went on to inform me she can not talk about this case with me because its on hold. I tried to explain my reasons for calling and was extremely polite but received same response, she couldnt talk to me about this case. Later that day, XX/XX/XXXX around XXXX I received my mail. In my mailbox was a complaint filed against me by this company, Zwicker & Associates for the collection of this alleged debt on behalf of XXXX bank. I was surprised and outraged as I was led by XXXX bank that this account was being investigated and worked on to come to a resolution and was not informed of XXXX any of the XXXX past phone calls with XXXX bank over the past XXXX weeks. This company, Zwicker & Associates is now filing a civil action in XXXX co XXXX prematurely and deliberately in attempt to avoid me, using my consumer rights to dispute this claim of inaccuracy balanced, which is my right to do so per the Federal Fair Debt Collection Practices act and exercising my rights with cease and desist letters to this company. It should also be noted that this alleged debt is still being actively investigated by Experian credit bureau and is ongoing. For this company to quickly file such a civil action while this investigation and dispute is still active is just intentional, deliberate and ment to intimidate, harass and cause me and my family anxiety while legally exercising my consumer rights to dispute a debt and misleading information. This recent civil complaint is just this company, Zwicker & Associates abusing the court system with there office and disregarding the Federal Fair Debt Collection Practices Act for consumers to legally dispute such alleged debt without being immediately sued or having to respond to what seems is a deliberate act of retaliation for filing several complaints against this company. Im filing this complaint against Zwicker & Associates for what seems very clear, another and ongoing attempts to harass, intimidate and silence me as a consumer to dispute this alleged debt. I responded today to this civil complaint and will vigorously defend my rights in court if necessary. Im asking the CFPB to document this ongoing, now harassing tactics by Zwicker & Associates against me for exercising my consumer rights as set forth in the Federal Fair Debt Collection Practices act which consumers are protected by but this company is now abusing the law, there office and the courts to further interfere with a legal dispute as a consumer thats still open and being investigated.

Company response to consumer: Closed with explanation