What is the most common complaint against Zarzaur and Schwartz, PC?

The most common issue consumers report about Zarzaur and Schwartz, PC is "Attempts to collect debt not owed", specifically "Didn't receive enough information to verify debt". This is based on 61 complaints filed with the CFPB.

Are complaints against Zarzaur and Schwartz, PC increasing or decreasing?

Complaints against Zarzaur and Schwartz, PC are falling. The company received 10 complaints in the last 12 months, showing improvement over prior periods.

What is Zarzaur and Schwartz, PC's reputation grade?

Zarzaur and Schwartz, PC has a reputation grade of D (score: 55.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Zarzaur and Schwartz, PC respond to consumer complaints?

Zarzaur and Schwartz, PC has a 93% timely response rate to CFPB complaints. Consumers disputed the company's response in 25% of cases.

In how many states does Zarzaur and Schwartz, PC operate?

Zarzaur and Schwartz, PC has received CFPB complaints from consumers in 4 states, with the most complaints from Alabama (53 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Zarzaur and Schwartz, PC - Debt Collector Complaint Profile

CFPB complaint profile across 4 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

22
Took or threatened to take negative or legal action

15
Written notification about debt

14
Disclosure verification of debt

3
False statements or representation

2
Communication tactics

2

Data updated September 2026

CFPB complaint disposition

CCDB record zarzaur-and-schwartz-pc Zarzaur and Schwartz, PC

Grade D · 61 CFPB filings · 93% timely · lead issue: Attempts to collect debt not owed · vol #1082 · compose #3252

VOL 61
GRADE D
12MO 10
STATES 4
TIMELY 93%
DISPUTE 25%
ISSUE Attempts to collect debt n…
RANK #1,082
COMPOSE #3,252

Volume peers

Nearest volume peer: Apothaker & Associates, PC (61 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Zarzaur and Schwartz, PC's 61 CFPB complaints sit next to Apothaker & Associates, PC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

86.9% of Zarzaur and Schwartz, PC's CFPB filings land in Alabama

High volume does not equal a clean composite: Zarzaur and Schwartz, PC is volume #1,082 but composite #3,252, while Alabama dominates the geography. Corpus placement method.

Dominant state: Alabama 86.9%; 53 of 61 filings · 4 states touched
Seasonal peak: 2025-09 13.2%; 8–15% band · 5 filings
Divergent corpus ranks: #1,082 volume; #3,252 composite; Cleanest-composite ladder is 2,170 places worse than volume

How does Zarzaur and Schwartz, PC compare to its peers?

How does Zarzaur and Schwartz, PC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Zarzaur and Schwartz, … National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

93%

98%

91%

Consumer-dispute ratelower is better

25%

48%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-08 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	22
Took or threatened to take negative or legal action	15
Written notification about debt	14
Disclosure verification of debt	3
False statements or representation	2
Communication tactics	2
Cont'd attempts collect debt not owed	1
Improper contact or sharing of info	1
Taking/threatening an illegal action	1

Where do complaints against Zarzaur and Schwartz, PC come from?

Zarzaur and Schwartz, PC's own per-state count, not a national baseline.

Alabama

53
Louisiana

3
Mississippi

3
Florida

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Zarzaur and Schwartz, PC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 61.

4 peers

Know your rights before responding to Zarzaur and Schwartz, PC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.