Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
I am filing a complaint against XXXX  XXXX and their law firm/collection agent, Zwicker & Associates , for continuing collection activities including filing a lawsuit after I submitted a timely and lawful debt validation request under the Fair Debt Collection Practices Act ( FDCPA ). I also received contact from another debt collector, XXXX XXXX, regarding one of the same alleged accounts, and they also failed to provide validation. 

Details of What Happened XXXX. Multiple Collectors Have Contacted Me About the Same Debt I have received communications from both Zwicker & Associates and XXXX XXXX  regarding the same alleged XXXX  XXXX credit card accounts. This creates confusion regarding who is authorized to collect and raises concerns about chain of assignment and proper handling of my consumer information. 

2. I Sent Zwicker & Associates a Debt Validation Letter ( FDCPA 1692g ) I mailed a debt validation request to Zwicker & Associates on XX/XX/XXXX, via certified mail. 
Tracking confirms Zwicker received it on XX/XX/XXXX. 
My request specifically asked for validation and proof that they were authorized to collect. 
I received no response and no documentation of any kind. 

XXXX. XXXX XXXX Also Contacted Me Without Validation Separately, XXXX XXXX sent me mail regarding XXXX of the alleged accounts. I sent them a debt validation letter as well, but they also failed to provide any proof they owned or were assigned the debt. 

XXXX. XXXX XXXX Directs Me to Zwicker for Account Information When I log in to my XXXX  XXXX online account, it states : Contact Zwicker & Associates for further information about this account. 

This indicates XXXX XXXX designated Zwicker as the party responsible for handling the account which makes Zwicker responsible for responding to a validation request. 

XXXX. Despite Receiving My Validation Request, Zwicker Filed a Lawsuit Months after receiving my debt validation letter and providing no response, I was served on XX/XX/XXXX with no prior notification. Zwicker & Associates initiated a lawsuit against me. 
This appears to violate FDCPA 1692g ( b ), which requires all collection activity to stop until validation is provided. 

Filing a lawsuit is considered collection activity. 


Laws Potentially Violated FDCPA 1692g ( b ) Continued Collection Without Validation Zwicker continued collection activity including filing suit without ever validating the debt. 

FDCPA 1692e Misleading / Confusing Representation of the Debt Multiple collectors contacting me regarding the same account created confusion about who owns or controls the debt. 

Unfair or Deceptive Practices ( UDAAP ) Failing to respond to a validation request, failing to clarify ownership, and then suddenly suing months later is deceptive and creates consumer harm. 


Harm Caused I was deprived of my right to validation before legal action. 
I faced unnecessary legal stress because the collector ignored my request. 
I was unable to determine who actually owns the alleged debt. 
The lawsuit appears retaliatory or designed to bypass federal protections.

Company response to consumer: Closed with explanation