Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES
State: AL

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : FDCPA Violations : XXXX Account XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX Thank you Zwicker and Associates for your response dated XX/XX/XXXX. Your response received on XX/XX/XXXX is deficient and does not constitute proper debt verification and validation. Please satisfactorily respond to my request for debt verification & validation according to 12 CFR 1006.34 ( c ). I am XXXX XXXX XXXX a person, non-adverse, non-belligerent, non-combatant party and executer with full life. I have received your communication regarding a purported debt that you assert I owe. I would like to inform you that I am completely knowledgeable about my rights as a consumer. According to the FDCPA, you have infringed upon my federally protected rights. Your clear disregard, intentional noncompliance, harassment, and mistreatment will not be accepted. This correspondence additionally functions as a cease-and-desist notice. I kindly ask that you refrain from reaching out to me about this supposed debt. Please cease reporting this on my consumer credit report, as it constitutes a violation of the FDCPA. Attached is the evidence of According to the FDCPA, you are violating both 15 USC 1692 ( c ) regarding communication in connection with debt collection and 15 U.S. Code 1692b concerning the acquisition of location information. I have noticed a collection listed from your agency on my credit report. I was not informed about this collection at any point. I also have doubts about the accuracy of this debt. 

Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that gives you rights to collect in my state.

15 USC 1692 ( c ) Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S. Code 1692b - Acquisition of location information.

Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer.

( 2 ) not state that such consumer owes any debt.

( 4 ) not communicate by post card.

( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and.

Pursuant 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( b ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( c ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
You have also committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Under the FDCPA, you are accountable for {$1000.00} for each violation committed in your communication with me, the consumer. Youve mentioned that you are not reporting on my credit report, but I have attached proof that Zwicker & Associates P.C AND XXXX XXXX are working together to report adverse information on my consumer credit report and attempting to hold me liable for payment on an investment contract between XXXX XXXX XXXXXXXX XXXX according to its XXXX XXXX  and XXXX XXXX when I am actually the accommodation party and entitled to the proceeds of the very same investment contract you are intending to sue me for. 


( Zwicker & Associates P.C, I demand the following : 1 ) Cease all collection activity and/or send the debt back to XXXX XXXX XXXX XXXX XXXX 

2 ) Remove and block consumer information from further appearing on the consumer credit report of XXXX XXXX XXXX including all charge/offs and collection activity pertaining to : [ XXXX XXXX XXXX Account No. Ending XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX I will be submitting an official complaint to the CFPB and other agencies concerning this issue.

Please also be aware that, if necessary, I will move forward with further action against ZWICKER & ASSOCIATES, if you fail to comply with the above demands. 

I am seeking monetary damages. In accordance with the FDCPA, and equitable relief for the violations perpetrated against me. Kindly remit payment within 15 days of getting this message. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation