Consumer complaint received 2020-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ZWICKER & ASSOCIATES
State: MD

Complaint narrative:
XXXX account closed in XXXX for unpaid charges. Called and advised them that charges were not made by me. Could not access my account. Saw my name on case search while doing a search for my employer one day. I showed for the court date. 
Per MD case search : XXXX Complaint filed by XXXX  . XXXX Summons served- No summons received. 
XXXX Trial Date. I show up because I saw my name on case search. 
XX/XX/XXXX Affidavit Judgement Denied. Ineffective Service. Def appeared said not served. def daughter served at XXXX Co. Clerks Office. MY DAUGHTER HAD WORKED AT THE XXXX AS A TEMPORARY EMPLOYEE IN XXXX. HOWEVER, NO LONGER WORKED AT THE XXXX XXXX   AND HAD NOT FOR QUITE SOME TIME. I did show up for the court date on XX/XX/XXXX, but The company ( Zwicker ) that filed the complaint, did not. The judge should have dismissed the case right then. 
XXXX Zwicker & Associates filed a Motion to Reconsider or in the Alternative Set For Trial. 
XXXX Judge grants Motion/Request. 
XXXX Motion-Compel Contacted XXXX  advised that attached ORDER is for different defendant. XXXX Trial Docket Sheet XXXX Request for Writ of Garnishment PROPERTY GARNISHMENT I never received any notice from anyone ) XXXX Request for Service-Certified Mail, XXXX, or XXXX SERVE PROPERTY GARNISHMENT-CERTIFIED MAIL ( I never received any notice from anyone ) XXXX Writ of Garnishment of Property Issued Garnishee : XXXX XXXX XXXX ; XXXX XXXX   XXXX Return of Service- Served ( I never received any  notice from anyone ) At the trial, An attorney for Zwicker was present and another individual who claimed to represent XXXX. Documents presented to the judge stated I owed over $ XXXX. This was ridiculous. I did not owe this amount. This was clearly inflated charges, fees, and interest charges that were attached to the original balance. I was not allowed to examine the documents prior to or flip through them. I tried to explain to the judge that I had attempted on numerous occasions to contact XXXX about fraudulent charges and that I was not the only card holder on the account. My card/account had been used without my permission. The judge did not want to hear this or take it into account. Because I had been locked out of the account I was unable to provide any statements or proof that payment was made to the account. If the judge had even looked through the documents, maybe she would have seen that I did pay my account on time prior to going to court. 
Every time I attempted to talk or wanted to ask a question, I was immediately cut off and reminded that I was not allowed to unless I had documentation. So I was forced to accept whatever the judge said. A Judgement was awarded against me in XX/XX/XXXX for over $ XXXX. Zwicker & Associates and XXXX could not provide any proof that account was mine. No cardholder agreement signed. XX/XX/XXXX, I attempted to use my back card and it was declined for fraud alert. I contacted my bank ( XXXX XXXX XXXX ) and was given a number to call for more information. I called it and was advised that my account had been frozen by Zwicker & Associates for non payment. I received no notice of any kind from this agency, my bank, or the court system. Furthermore, I have not been contacted in over a year since going to court to even try to arrange any payment. I have always paid my accounts on time and at no time was I contacted by anyone. How is this legal to take someones main source of income? I do not have access to any funds. I can not buy food, pay for my prescriptions, put gas in my car to go to work. I am going to have services disconnected if they are not paid. This tactic does not ensure that creditors get paid. This only causes more financial hardship for those who having difficulty. This company violated so many fair practices not to mention my constitutional rights. This puts my employment, credit, health, and family in jeopardy. This company has a history of aggressive behavior and no remorse for destroying anyones life.

Company response to consumer: Closed with explanation