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

CFPB complaint data Grade D 921 complaints

Zwicker & Associates - Debt Collector Complaint Profile

CFPB complaint profile across 42 states, reputation grade D.

Complaints by issue type

What consumers report about Zwicker & Associates

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record zwicker-associates Zwicker & Associates

Grade D · 921 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #166 · compose #302

  • VOL 921
  • GRADE D
  • 12MO 183
  • STATES 42
  • TIMELY 100%
  • DISPUTE 24%
  • ISSUE Attempts to collect debt n…
  • RANK #166
  • COMPOSE #302

Volume peers

Nearest volume peer: Professional Recovery Management (920 complaints)

PNC Bank N.A.PNC Bank N.A.907Ditech Financial LLCDitech Financial LLC909Possible Financial IncPossible Financial Inc909Professional Recovery ManagementProfessional Recovery Manage…920Zwicker & Associates (this)Zwicker & Associates (this)921
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Zwicker & Associates's 921 CFPB complaints sit next to Professional Recovery Management 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 →

How the 921 complaints break down

Every complaint issue type on record for Zwicker & Associates, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
52.4/100
Zwicker & Associates

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
921
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
24%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

Zwicker & Associates spreads filings across 42 states - Florida leads at only 12.3%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
Florida still leads at 12.3% across 42 states
Seasonal peak
2021-02 14.5%
8–15% band · 11 filings
Corpus ranks
#166 volume
#302 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Zwicker & Associates compare to its peers?

How does ZWICKER & ASSOCIATES compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
ZWICKER & ASSOCIATES National average
Complaints (last 12 mo)lower is better
183
296
268
Timely-response ratehigher is better
100%
79%
91%
Consumer-dispute ratelower is better
24%
29%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Zwicker & Associates a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 75%80%85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Zwicker & Associates vs. 9 similar-volume peers, by response speed and dispute rate Zwicker & AssociatesProfessional Recovery ManagementDitech Financial LLCPNC Bank N.A.URS Holding, LLCFirst National Collection Bureau, Inc.Pressler & Pressler, LLPAdler Wallach & Associates, Inc.Synergetic Communication IncParamount Recovery Systems, L.P.
Source: CFPB Consumer Complaint Database

Zwicker & Associates's complaint volume in context

Zwicker & Associates vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

921 Top 3% higher than 97% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Zwicker & Associates 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
2021-01 2026-01

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
214
Took or threatened to take negative or legal action
181
False statements or representation
136
Written notification about debt
134
Communication tactics
110
Cont'd attempts collect debt not owed
39
Taking/threatening an illegal action
33
Disclosure verification of debt
32
Threatened to contact someone or share information improperly
18
Improper contact or sharing of info
14

Where do complaints against Zwicker & Associates come from?

Zwicker & Associates's own per-state count, not a national baseline.

Top states by complaints against Zwicker & Associates

Across 42 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Zwicker & Associates: 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: 921.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 100%.

4 peers

Know your rights before responding to Zwicker & Associates: 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.