Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
My name is XXXX : XXXX XXXX an agent and representative for principal XXXX XXXX, a federally protected consumer, holder in due course and attorney in fact. I am making this complaint against Zwicker & Associates, P.C. for engaging in abusive deceptive and unfair debt collection practices. Zwicker & Associates, P.C. was sent to engage in these unlawful extortionate means to collect on an extension of credit by XXXXXXXX XXXX XXXX XXXX has violated my right to privacy by disclosing my nonpublic personal information to an unauthorized third party without my lawful consent. XXXXXXXX XXXX infringed my right to privacy and compromised the security and confidentiality of my nonpublic personal information on multiple occurrences with forethought and malice as a means of bringing substantial harm to me and my financial reputation. I would like to know whats the status if this account and if a 1099-C was filed for this account. Also note that if your company has filled out a 1099-C form and its continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies, or pursuing litigation, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 

I would also like to know if either Chief Executive Officer XXXX XXXX XXXX or Chief Financial Officer XXXX XXXX XXXX will be present for this court case to speak on behalf of the racketeering activity that is being committed by XXXXXXXX XXXX. I am aware that Zwicker & Associates, P.C. is an unauthorized third party in this matter. I never contracted with Zwicker & Associates, P.C. and they have no lawful authority to be in possession of my identifying information. I also want to make clear that Zwicker & Associates, P.C. has no actual first-hand knowledge of the matter at hand and are strictly acting off hearsay. 

I have reason to believe that Zwicker & Associates, P.C. is not in possession of any substantiating evidence to lay claim to this alleged debt that they are attempting to collect using unlawful extortionate means. If XXXXXXXX XXXX  can provide me with proof of claim for this alleged debt, such as the original instrument of indebtedness in its original form and the accounting for credit account ending in XXXX, Id gladly make arrangements to settle this account in full. I am aware that billing Statements/proof of address are not proof of claim. 

If XXXXXXXX XXXX refuses to produce any documentary evidence as defined under 15 U.S. Code 44, I will thereafter consider this matter between us to have been legally and financial settled. Upon the refusal to produce this documentary evidence I am also demanding that all fraudulently reported negative information is deleted and updated to paid as agreed from all credit reporting agencies immediately to prevent further harm to my financial reputation. If the requested information is not provided and Zwicker & Associates, P.C. continues their unlawful collection efforts, Zwicker & Associates, P.C. shall be held criminally liable for aggravated identity theft and violating 18 U.S. Code 894 for using unlawful extortionate means in the collection of an extension of credit. I would also need the name and address of Zwicker & Associates, P.C. binding agent in case a suit needs to be filed in Federal Court for these abusive, deceptive, and unfair debt collection practices.

Company response to consumer: Closed with explanation