ZWICKER ASSOCIATES

2019-05-24

Chester, VA

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: I received a warrant in debt from Zwicker & Associates on behalf of XXXX XXXX and it scared me. I didn't realize until after signing an agreement with Zwicker that several practices under the Fair Debt Collection Act was violated. I never once received a letter from Zwicker indicating that a debt was owed and right to dispute the debt. I spoke with a Zwicker attorney who told me that the only way to avoid judgement was to set up an arrangement, sign an agreement and pay the debt. Zwicker never once provided me the opportunity to dispute the debt or engage in dialogue about the debt they skipped all required practices and went straight to the courts. On XX/XX/2019, I contacted Zwicker to make my agreed payment. I was told by the representative that I would have to make two payments as the XXXX payment was not received. I asked for a manager who was extremely demeaning and threatening. He said that they had not received the XXXX payment and I would have to make both payments or they would not accept a payment from me. I was previously informed by Zwicker that if I didn't pay the debt that they would garnish my wages. I asked if I could make payment towards the lower balance account to pay that one off and was told no that I could only make a payment towards all three accounts which I have since learned that I can pay towards any debt and not required to pay a particular debt. According to XXXX XXXX my accounts have been charged off, I would like to understand the relationship between Zwicker and XXXX XXXX regarding a charged off account.
Company Response: Closed with explanation

Timely Response

2019-05-02

Biscayne Park, FL

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2019-04-23

Indianapolis, IN

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: XXXX XXXXk and Zwicker & Associates tried to collect a debt that was beyond the statue of limitations and forced me into a second arbitration after XXXX defaulted in the first arbitration. " XXXX 's dilatory conduct resulted in unnecessarily lengthy cloud over my credit history. XX/XX/XXXX, XXXX filed a claim against me in small claims court. XX/XX/XXXX, case went into arbitration. 1. XXXX XXXX failed to pay arbitration fees. XXXX XXXX XXXX made several attempts to collect arbitration fees. XX/XX/XXXX, XXXX warned the parties that if fees were not paid in 30 days, they would assume that XXXX is not interested in pursuing arbitration. On XX/XX/XXXX, the case was closed by XXXX XXXX XXXX. This was a breach of XXXX 's contract agreement. 2. XX/XX/XXXX, XXXX filed a motion to return case to active docket. " XXXX ( wrongly ) alleged that I failed to pay fee. One of the misstatements. 3. XX/XX/XXXX, XXXX the case was dismissed without prejudice. The court stated leaving this open on my credit history is unduly prejudice. 4. XXXXXXXX, XXXX, XXXX filed motion to vacate the dismissal knowing the statue of limitation had passed ( see page 4 of 13, # 4 ). XXXX asked to stay the case knowing they were in default for failure to pay therefore XXXX wasn't entitled to a stay ( see page 12 of 13, sect 24 ). 5. XX/XX/XXXX, XXXX filed a 2nd arbitration. 6. I filed several motions to dismiss case with prejudice. 7. XX/XX/XXXX, I was forced to arbitrate ( the second arbitration ). XXXX never supplied me with documentation of the alleged debt and told the arbitrator they did not give me a copy. I told the arbitrator the statue of limitation had passed. The Arbitrator still ruled against me. 8. I filed an appeal in the Court of Appeals of Indiana. I won my case on appeal. The Appeal Court stated the Small Claims Court had abused its discretion by granting XXXX 's motion and reinstating the action against me three years after the complaint had been filed and 2 years after the matter had bent sent to arbitration. 9. The Appeal Court stated, " XXXX 's dilatory conduct resulted in unnecessarily lengthy cloud over XXXX 's credit history. '' " In it's motion to set aside the dismissal, XXXX offered no explanation for its inaction and no good cause for reinstatement. '' 10. XXXX and Zwicker & Associates clearly violated the FDCPA and FCRA I am attaching the Court of Appeal Opinion and the remanded ruling from the Small Claim Court. .
Company Response: Closed with explanation

Timely Response

2019-04-17

Santa Monica, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-04-10

Boston, MA

Communication tactics

Debt collection: Credit card debt

Called before 8am or after 9pm
Complaint: Zwicker and Associates have been constantly for the last 3 months trying to collect on an XXXX XXXX bill that we were wrongly shut out of our portal for. We had an XXXX business account and because we did not provide them with certain documents, we were locked out of the online portal. They sent the debt to Zwicker and Associates who call us 4-5 times a day initially, early in the morning or in the evening. What we are so frustrated about is that they constantly threaten to sue us if we don't pay, but then when we set up a payment to pay in full, they pull the amount on the WRONG DAY. And then call and threaten us that the payment bounced. Well, you pulled it on the wrong day. They pass it from colleague to colleague which just causes confusion and the representatives we speak to are extremely aggressive and rude, saying how much trouble we're going to be in if we don't make the payment. I have been trying to set up a wire transfer for weeks now, with no response. Phone calls stopped, and emails too. We have been trying to pay the debt and negotiate an amount but now they are not responding, despite me emailing and asking to speak to the representative that originally set up TWO incorrect pulls from our checking account. The bank manager who works with us is an ex-employee of Zwicker and has informed me to make a complaint because he sees this happening alot. They make their own electronic checks and pull it when they want.
Company Response: Closed with explanation

Timely Response

2019-04-08

Gwynedd, PA

Communication tactics

Debt collection: Credit card debt

Used obscene, profane, or other abusive language
Company Response: Closed with explanation

Timely Response

2019-03-19

Potomac, MD

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2019-03-19

South Florida, FL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you in a state where you do not live or did not sign for the debt
Complaint: i sent a letter to the debt collector to stop harassing me as this account was opened fraudulently and has been charged off. credit reports are available upon request to serve as proof.
Company Response: Closed with explanation

Timely Response

2019-03-16

Magnolia, TX

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: I was contacted by XXXX XXXX from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Massachusetts XXXX ( XXXX ) XXXX ext XXXX on XX/XX/XXXX XXXX at XXXX which is my employer telephone number. I advised Ms XXXX that she conacted me at my employment number and she should stop contacting me at this number for the XXXX XXXX XXXX. My employer telephone is accessible to other co workers and the phone recorded. Ms XXXX contacted again on XX/XX/XXXX at XXXX and left a voice message in regards to debt. Ms XXXX contacted the third time on XX/XX/XXXX at XXXX in regards to this same debt at my employment number as tried to collect on this XXXX XXXX XXXX. Advised her again to stop contacting me at my employment telephone in regards to this debt and I will have an attorney contact her. My phone is monitored by my employer and all incoming calls are screened for customer effectiveness. I am afraid this call will be listened as a result. regards, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-03-06

New Bedford, MA

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with non-monetary relief

Timely Response

2019-03-04

Columbia, SC

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-02-25

Discovery Bay, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: On Sunday XX/XX/2019, an unknown person who did not identify themselves rang the doorbell at our home. After repeated ringing, this unknown person suddenly started loudly pounding on our front door for a period of two minutes. This action startled my wife as she thought our home was being broken into. When she opened the door, she was told to give me a summons for the Superior Court of California , County of XXXX. The plaintiff is XXXX XXXX with legal representation by Zwicker & Associates, XXXX ( XXXX XXXX XXXX CA # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX CA # XXXX ), phone number XXXX. The amount of the outstanding debt was {$14000.00}. A settlement with XXXX XXXX/Zwicker & Associates was reached in XX/XX/2019 between Zwicker and XXXX XXXX XXXX with a payment being sent by my power of attorney XXXX XXXX XXXX on XX/XX/2019 in the amount of {$10000.00}. Given it is XX/XX/2019 and the settlement was reached almost 25 days ago, Zwicker & Associates had a professional and legal responsibility to inform the Superior Court of California to withdraw the summons in a reasonable and timely fashion. Due to their lack of informing the Court, my wife was put in a stressful and dangerous situation that has caused her emotional distress.
Company Response: Closed with explanation

Timely Response

2019-02-22

Bremen, GA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Complaint: Zwicker & Associates did not notified me of a pending lawsuit until I was served papers. When I contacted them, I explained that the debt was business debt and not personal debit. The agent refused to listen and started threatening me with more legal action if I did not pay them. The amount they wanted way way out of what I could afford. They told me to quit paying my mortgage and to shut off utilities to give them what they wanted. I gave them money out of fear. I have since lost my house due to their tactics. They had no legal grounds to come after me personally for a debt under an LLC. They had no legal grounds to pierce the vale of limited liability. A quick search online will show the amount of complaints and unlawful tactics the firm uses to scare people into giving them money. I have also not received any notifications about payments being processed or that the debt is paid off, which it should be. This firm is out of control and using predatory and illegal tactics to scare people into paying them.
Company Response: Closed with explanation

Timely Response

2019-02-08

Burlingame, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: ZWICKER AND ASSOCIATES HAVE LIENED MY PROPERTY FOR {$50000.00} FOR THE DEBT THAT BELONGED TO MY EX-SPOUSE. I ATTEMPTED TO CONTACT THEM TO REQUEST A LIEN RELEASE BECAUSE THIS WAS NOT MY JUDGEMENT AND WAS NOT MY LIEN AND WAS NOT MY CREDIT CARD IN FIRST PLACE BUT ZWICKER AND ASSOCIATES ASKED FOR MY PERSONAL INFORMATION SAID THEY WOULD RELEASE THE LIEN INSTEAD THEY NOW CALLING ME THREATENING TO ARREST AND GARNISH WAGES IF I DON'T PAY THIS JUDGMENT FROM XX/XX/2011 THAT BELONGS TO MY EX- WHO IS NOT ON MY PRORTY. I SENT THEM SEVERAL LETTERS SINCE XX/XX/XXXX OF LAST YEAR WITH NO RESPONCE FROM THEM. NOW THEY ARE CALLING MY WORK IT IS EBARACING BUT THEY ARE LEAVING MESSAGES WITH RECEPTION SAING THAT I HAVE A WARRANT OR SOMEONE WILL ARREST ME IF THIS IS NOT PAID. HOW IS THIS OK .... THIS IS NOT A LEGAL LIEN AND SHOULD NOT HAVE BEEN ALLOWED TO BE LIEND ON MY HOME PLEASE HELP HELP HELP
Company Response: Closed with explanation

Timely Response

2019-02-07

Hampton, NH

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Company Response: Closed with explanation

Timely Response

2019-01-30

Boston, MA

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt was result of identity theft
Complaint: It was on XX/XX/2017 a family member got my information without my knowledge apply for a personal loan from XXXX personal loans. XXXX didnt contact me first before giving the money away and giving the money 3 days after the family member sent my information. {$20.00} giving by XXXX in my name were a abused because I didnt make that money in a year working as a XXXX XXXX at that time make me frustrated, crying every day for a money I didnt used or got. It was on XX/XX/2017 I know this happened to me while I went to payed my bills, I can not believe my eyes and It was true. Called them next day explaining my situation they didnt believe at all and I filed a police report, nothing as ever changed put my name in shame for a thing I didnt do. I want XXXX to be prosecuted for this because it didnt care for their customers and I want justice. Those companies put an hard inquiries in my credit too I want them to clean my name on theirs.
Company Response: Closed with non-monetary relief

Timely Response

2019-01-17

Thomaston, GA

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Company Response: Closed with explanation

Timely Response

2019-01-11

Stuart, FL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Company Response: Closed with explanation

Timely Response

2019-01-09

Abram, TX

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2018-12-28

Harsens Is, MI

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: Multiple times daily and weekly from Zwicker and Associates throughout 2018. Repeated calls after I sent a cease and desist letter in XX/XX/2018.
Company Response: Closed with explanation

Timely Response

2018-12-20

GA

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: Since the first week of XXXX me and my mortgage lender have been trying to get a payoff good for 30 days. When we finally got the payoff on XX/XX/XXXX, it was dated XX/XX/XXXX and expired XX/XX/XXXX. The loan will close on XX/XX/XXXX but the creditor will not receive their money by the XXXX, not enough time. When we requested an updated payoff they refused unless I make a payment. These people have already garnished my bank account {$1400.00}. And didnt even deduct that amount from the payoff amount. We are wanting and are going to pay this debt. The refinance loan has already been approved, closing date scheduled. Can you please help me with this? XXXX XXXX represented by the firm of Zwicker and associates. I have never had so much trouble trying to pay someone. Please help. My number is XXXX
Company Response: Closed with explanation

Timely Response

2018-12-11

Everett, WA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-11-05

Randolph, MN

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-10-17

Bronx, NY

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-10-01

Jupiter, FL

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: Mid XX/XX/XXXX : I spoke w/ a rep. of Zwicker and Associates , regarding alleged debt to XXXX XXXX. I was told that I could settle for $ XXXX/month with a 3 year payoff or, a single lump payment of {$7900.00}. I told them that I couldn't afford that. I never confirmed that I actually owed the amount they stated. Out of good faith, I sent them a check for {$100.00} on XX/XX/XXXX and {$75.00} on XX/XX/XXXX. On XX/XX/XXXX, I was served with a summons. I was also informed by the summoner that I didn't have to appear in court and had 20 days to file an answer. On XX/XX/XXXX, I spoke with the Zwicker representative again. My friend, XXXX XXXX participated in the conversation over speaker phone as she did in the mid- XXXX conversation. She asked if I had to pay any of the costs to bring this to court if I settled this now. The woman said, there would be no fees. I agreed to pay $ XXXX/month for 36 months beginning on XX/XX/XXXX, although I couldn't afford it and had no proof that the debt was mine, because I was afraid of going to court. There was never mention of more payments after the $ XXXX/36-month agreement. Since I had no idea what charges were mine on the account since my wife of 12 years abandoned me a year ago, and took all paperwork, XXXX and I asked for a breakdown of all the charges to review. I received the balance summary of each month, which we spoke of, but never the breakdown that we explained I needed, to see the charges and review if there were fraudulent charges listed.I was told if I had a problem paying the {$300.00} just to call. We also called back the next day, XX/XX/XXXX, to confirm the arrangement. The $ XXXX/36 month payment was quoted due on XX/XX/XXXX. No other fees or amounts due was mentioned in that conversation either. I filed an answer with the court on XX/XX/XXXX with the verbal agreement included in the answer.The stipulation arrived via email on XX/XX/XXXX The stipulation states {$300.00} for 36 months, plus an additional {$320.00} each month on or before XX/XX/XXXX until the principal some of {$12000.00} is paid to settle the case in full. Additional attorney 's fees of {$420.00} is now also added to the amount owed for a total sum of {$12000.00}. Also in the stipulation that I could go into default if I couldn't meet the payment arrangement that was made. That was never divulged to me either.
Company Response: Closed with explanation

Timely Response