What is the most common complaint against Zwicker & Associates?

The most common issue consumers report about Zwicker & Associates is "Attempts to collect debt not owed", specifically "Didn't receive enough information to verify debt". This is based on 921 complaints filed with the CFPB.

Are complaints against Zwicker & Associates increasing or decreasing?

Complaints against Zwicker & Associates have been stable. The company received 183 complaints in the last 12 months.

What is Zwicker & Associates's reputation grade?

Zwicker & Associates has a reputation grade of D (score: 52.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Zwicker & Associates respond to consumer complaints?

Zwicker & Associates has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 24% of cases.

In how many states does Zwicker & Associates operate?

Zwicker & Associates has received CFPB complaints from consumers in 42 states, with the most complaints from Florida (113 complaints).

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

Zwicker & Associates - Debt Collector Complaint Profile

CFPB complaint profile across 42 states, reputation grade D.

Compiled by PlainCollector

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

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 #3827

VOL 921
GRADE D
12MO 183
STATES 42
TIMELY 100%
DISPUTE 24%
ISSUE Attempts to collect debt n…
RANK #166
COMPOSE #3,827

Volume peers

Nearest volume peer: Professional Recovery Management (920 complaints)

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 →

Distributed filing map

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

Despite a broad state map, Zwicker & Associates still sits volume #166 against composite #3,827 - the two RankMaps diverge by 3,661 places. 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
Divergent corpus ranks: #166 volume; #3,827 composite; Cleanest-composite ladder is 3,661 places worse than volume

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.

Complaint Trend (24 months)

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.

Florida

113
Texas

100
California

75
Georgia

64
North Carolina

55
New York

54
Virginia

49
New Jersey

47

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.