Total CFPB complaints
59
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 59 complaints
Zarzaur and Schwartz, PC — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Zarzaur and Schwartz, PC
- Attempts to collect debt not owed
Attempts to collect debt not owed
21 complaints
- Written notification about debt
Written notification about debt
14 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
10 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
- False statements or representation 2
False statements or representation
2 complaints
C
Grade C · 59.3/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Zarzaur and Schwartz, PC?
Zarzaur and Schwartz, PC has accumulated 59 total CFPB complaints across 4 states, with 9 filed in the most recent 12 months against 50 historical complaints before that window. The trailing-12-month volume represents 15.3% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 93% timely-response rate against a 25% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 4 states, led by Alabama with 52 and Louisiana with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.3/100 places Zarzaur and Schwartz, PC in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
9
15.3% of total history
Falling ↓
States active
4
Distinct state filings
Timely response rate
93%
Within CFPB SLA window
Consumer disputes
25%
After company response
Reputation grade
C
59.3/100 composite
Response-quality profile
How Zarzaur and Schwartz, PC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 93.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 50.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Zarzaur and Schwartz, PC compare to its peers?
Zarzaur and Schwartz, … National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2022-05 2026-01
Top Consumer Issues
Written notification about debt14 (%)
Attempts to collect debt not owed21 (%)
Took or threatened to take negative or legal action10 (%)
Disclosure verification of debt2 (%)
False statements or representation2 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 10 |
| Attempts to collect debt not owed | Debt is not yours | 9 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 8 |
| Attempts to collect debt not owed | Debt was result of identity theft | 7 |
| Attempts to collect debt not owed | Debt was paid | 5 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Took or threatened to take negative or legal action | Sued you in a state where you do not live or did not sign for the debt | 2 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 2 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
Where do complaints against Zarzaur and Schwartz, PC come from?
The states where consumers have filed the most CFPB complaints against Zarzaur and Schwartz, PC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Zarzaur and Schwartz, PC
Across 4 states with at least one filing
- Alabama
Alabama
52 complaints
- Louisiana 3
Louisiana
3 complaints
- Mississippi 2
Mississippi
2 complaints
- Florida 1
Florida
1 complaints
Frequently Asked Questions
What is the most common complaint against Zarzaur and Schwartz, PC? ▼
The most common issue consumers report about Zarzaur and Schwartz, PC is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 59 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 9 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 C (score: 59.3/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 (52 complaints).
What can I do if Zarzaur and Schwartz, PC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Zarzaur and Schwartz, PC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |