ZWICKER ASSOCIATES

2015-09-24

Cambria, VA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-17

San Antonio, TX

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-09

Marietta, GA

Taking/threatening an illegal action

Debt collection: Credit card

Seized/Attempted to seize property
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-31

TX

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: On XXXX/XXXX/15 at XXXX CT, XXXX XXXX XXXX left a XXXX second voicemail on my cell phone claiming a past due debt. The transcript of the voicemail is a follows : '' This message is for XXXX XXXX. If you are not XXXX XXXX, please hang-up or disconnect. If you are XXXX XXXX, please continue to listen to this message. There will be a three second pause in this message. By continuing to listen to this message, you acknowledge that you are XXXX XXXX. XXXX XXXX you should not allow anyone else to listen to this message because it contains personal and private information for you only. There will be a three second pause in this message. This is XXXX XXXX, a non-attorney collector at the law firm XXXX, XXXX. XXXX XXXX, this is an attempt to collect a debt and any information obtained will be used for that purpose. Please contact me at XXXX extension XXXX. " The collector did not state a past due amount or creditor. I have no past due amounts and am not delinquent on any payments. I understand that XXXX are in direct and deliberate violation of Federal and state consumer protection laws for failure to acknowledge any legitimate dispute and furnish documentation of the debt allegedly owed. I understand XXXX are in direct violation of Federal and state laws for intentionally misrepresenting jurisdiction of collection laws, for the sole purpose of attempting to disarm me of my consumer rights under Texas law. I would appreciate the Consumer Financial Protection Bureau 's assistance in resolving this matter.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-28

Fort Worth, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: A number for a law firm XXXX. This agency has called me XXXX times alone in XXXX 2015, I 've picked up and told them I am not XXXX nor do I owe them any debts. I 've also called back and left voicemail and stated if they continue to call my cell phone without permission I will file a claim. They called XXXX times in XXXX and yet again picked up and told them they had the wrong number.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-22

Maynard, MA

Communication tactics

Debt collection: Non-federal student loan

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-07-22

Chesney Shores, IL

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-15

South Florida, FL

Improper contact or sharing of info

Debt collection: I do not know

Talked to a third party about my debt
Complaint: This company yes keep calling already told then not to call animore but they yes call more than twice a day.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-06

Montclair, CA

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-26

Manhattan, NY

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: VIOLATED " FAIR CREDIT BILLING ACT '' AND FDCPA '' ... XXXX DIFFERENT COMPANIES DEMAND SAME PAYMENT OF FRAUD ACCOUNT XXXX XXXX AND NOT MY ACCOUNT. FORMAL FRAUD AFFIDAVIT FILED WITH " FTC '' CASE # XXXX AND WITH XXXX
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-19

Parkrose, OR

Taking/threatening an illegal action

Debt collection: I do not know

Sued w/o proper notification of suit
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-15

Lufkin, TX

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-12

Conroe, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-12

MA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: Between XX/XX/XXXX and XX/XX/XXXX, I cosigned for my son a series of XXXX student loans through XXXX ( XXXX XXXX XXXX XXXX ). XXXX months after XXXX, he began the process of repayment. At some point in the following XXXX years, my son failed to make regular payments and the loans were subsequently turned over to a collection agency called Zwicker & Associates , P.C . When they reached out to me for the first time, I was stunned to find out my son and I were into this agency for roughly {$31000.00}. I explained to them that I as a cosigner, had never recieved a notice of delinquency from anyone, not XXXX, nor Zwicker. I asked them to produce notices of collection which they could not, instead steering me back to XXXX who when I called, refused to speak with me. My son since made an arrangement to pay them {$300.00} a month for XXXX years and that has now been increased to {$400.00} at 12 %. For a young man starting a career, that is a large sum at ridiculous interest which will take him years to pay off. He also has about {$80000.00} in additional student loans he 's paying down. What I would like to see is any type of collection notice sent to me as a cosigner. I would also like to see something done to eliminate the high rate of interest on these loans. I do n't dipute that the money is owed. What I am questioning is why I never recieved delinquncy notifications as a co-signer. In addition, this all went on my previously clean credit report as charge off 's.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-10

Floresville, TX

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-09

Syringa, VA

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-08

Taft, OH

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-05

Key Biscayne, FL

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: I have had payment arrangements with this debt collector for several years now. Thay have been taking the arranged payment from my bank account on a monthly basis. The terms of my arrangement have expired and they claim that because I have n't contacted to make new arrangements, they have opted to sue me. XXXX days prior to being served, this company did take a payment from my account. I have never received any kind on notice outlining new payment arrangements.. I have never been sued and I find this to be just an excuse to get additional money from me. I am emotionally distraught over this. They have served me and I want to know if I shoulld retain a lawyer to protect me from any further action. I do n't want to tarnish a very good credit rating.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-03

Phoenix, AZ

Taking/threatening an illegal action

Debt collection: Credit card

Attempted to/Collected exempt funds
Complaint: I made contact with Zwicker and Associates on XXXX/XXXX/15 to discuss the XXXX XXXX bill they are handling to see what our options were. We were served with a summons in XX/XX/XXXX and sent in our answer and instead of going through the courts we wanted to see if we can rectify the matter outside the courts. We talked to a collector I believe his name was XXXX and when I proceeded to tell him our income situation ( primary holder got laid off in XX/XX/XXXX at the time the payments stopped and hes now on unemployment, spouse works part time and expressed we get help from family to keep a roof over our head ) we offered we can do {$50.00} a month till our situation gets better. He said he can do the balance in XXXX parts over XXXX months, I advised we are not able to raise that kind of money due to our current situation. When we told him that he proceeded to tell us that they will collect this with a involuntary payment and when I asked him what that meant he said " I dont know how your state works '' he kept referencing " involuntary payment '' and I kept asking him what that meant because we offered payments and they refused to set up any arrangement on the payments we offered, so what is the involuntary payment mean? He said " I dont know how that works in your state again ''. We asked to speak to someone who knew what that meant and a XXXX XXXX a manager, we asked him what they meant by " involuntary payments '' he said the courts will determine what that is..and said he didnt know the laws in our state. They currently do not have a judgment against us and we have not been to court so referencing any legal action, involuntary payments and not accepting what we offered this is illegal. Thank you for your time in this matter.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-29

Logansport, IN

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-22

Lawrenceville, GA

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

Aurora, CO

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-14

Bellaire, TX

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: This is my place of business. The number being called is the main desk number that is answered by customer service representatives. Not once has my personal cell phone nor home phone be used to attempt to contact me regarding this matter. I have no idea who is calling -- they never leave a message once transferred to my direct line.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-05

MA

False statements or representation

Debt collection: Non-federal student loan

Attempted to collect wrong amount
Complaint: I am writing about the company called Zwicker & Associates, a debt collector located in XXXX, MA. I live in MA also and when my daughter was at XXXX XXXX I took out a MEFA loan for {$3000.00}. I fell behind because of a XXXX and was unable to keep up the payments. The loan was given to Zwicker and I have been paying {$100.00} a month to them for a couple of years. I asked them for a statement and received something that did not clearly tell me how long I will be paying this bill. I am helping my daughter by paying this bill, because I signed for the MEFA loan and she already pays about XXXX a month for her loans. I arranged with Zwicker & Assoc. to have automatic withdrawal at or near the XXXX of each month. I understand that I agreed to pay my MEFA loan of {$3000.00}. As I have been paying on this debt for two years at least, I should have paid {$2400.00} by now. I would like to have a written statement telling me if there are added costs that disallow me from having this debt paid in full in the next six months. Thank you for your help with this matter.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-05-04

Warrenton, VA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: They call me XXXX times a day with different numbers I google the number and called back they pressured me asking for my name and last XXXX of my ss number and saying if this was me. Then they say I owed xxxxx and asking for my bank account numbers there are many scam with this company
Company Response: Closed with non-monetary relief

Disputed: No Timely Response