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

CFPB complaint data Grade C 61 complaints

Zarzaur and Schwartz, PC - Debt Collector Complaint Profile

CFPB complaint profile across 4 states, reputation grade C.

Complaints by issue type

What consumers report about Zarzaur and Schwartz, PC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 59.3/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Zarzaur and Schwartz, PC ranks ahead of 40% of the 5,283 collectors PlainCollector grades - 60% keep a cleaner CFPB record, on 61 all-time complaints and a 93% timely-response rate.

40th pct
reputation rank of 5,283 graded collectors
61
CFPB complaints, all-time
93%
answered inside the CFPB window
10
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Zarzaur and Schwartz, PC?

Zarzaur and Schwartz, PC has accumulated 61 total CFPB complaints across 4 states, with 10 filed in the most recent 12 months against 51 historical complaints before that window. The trailing-12-month volume represents 16.4% 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 "Attempts to collect debt not owed", narrowing to "Didn't receive enough information to verify debt". The company posts a 93% timely-response rate against a 25% consumer-dispute-after-response rate.

Complaints have been recorded across 4 states, led by Alabama with 53 and Louisiana with 3. Normalized against the full CFPB collector database, the reputation score of 59.3/100 places Zarzaur and Schwartz, PC in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

61

low-volume (CCDB)

Last 12 months

10

16.4% of all-time complaints

Falling ↓

States active

4

limited footprint

Timely response rate

93%

good band

Consumer disputes

25%

elevated (vertical avg ~19%)

Reputation grade

C

59.3/100 composite

How does Zarzaur and Schwartz, PC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

59 40th percentile higher than 40% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Zarzaur and Schwartz, PC versus the debt-collection vertical average.

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) 25.0%
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?

How does Zarzaur and Schwartz, PC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Zarzaur and Schwartz, … National average
Complaints (last 12 mo)lower is better
10
0
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 Sub-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.

Top states by complaints against Zarzaur and Schwartz, PC

Across 4 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Zarzaur and Schwartz, PC contacts you

A grade of C signals how Zarzaur and Schwartz, PC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Zarzaur and Schwartz, PC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Zarzaur and Schwartz, PC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 "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 C (score: 59.3/100), 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).

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

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.