Total CFPB complaints
868
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 868 complaints
ZWICKER & ASSOCIATES — Debt Collector Complaint Profile
CFPB complaint profile across 41 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about ZWICKER & ASSOCIATES
- Attempts to collect debt not owed
Attempts to collect debt not owed
182 complaints
- Written notification about debt
Written notification about debt
119 complaints
- False statements or representation
False statements or representation
115 complaints
- Took or threatened to take negative or legal action 68
Took or threatened to take negative or legal action
68 complaints
- Communication tactics 55
Communication tactics
55 complaints
- Disclosure verification of debt 24
Disclosure verification of debt
24 complaints
D
Grade D · 55.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about ZWICKER & ASSOCIATES?
ZWICKER & ASSOCIATES has accumulated 868 total CFPB complaints across 41 states, with 196 filed in the most recent 12 months against 672 historical complaints before that window. The trailing-12-month volume represents 22.6% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
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 100% timely-response rate against a 24% 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 41 states, led by Florida with 105 and Texas with 94, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.1/100 places ZWICKER & ASSOCIATES in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
196
22.6% of total history
Rising ↑
States active
41
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
24%
After company response
Reputation grade
D
55.1/100 composite
Response-quality profile
How ZWICKER & ASSOCIATES performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 48.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 73.2%
Share of US states + territories with at least one filed complaint against this collector.
How does ZWICKER & ASSOCIATES compare to its peers?
ZWICKER & ASSOCIATES 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)
2024-04 2026-03
Top Consumer Issues
Written notification about debt119 (%)
False statements or representation115 (%)
Attempts to collect debt not owed182 (%)
Took or threatened to take negative or legal action68 (%)
Communication tactics55 (%)
Disclosure verification of debt24 (%)
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 | 89 |
| False statements or representation | Attempted to collect wrong amount | 80 |
| Attempts to collect debt not owed | Debt is not yours | 80 |
| Attempts to collect debt not owed | Debt was result of identity theft | 74 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 68 |
| Communication tactics | Frequent or repeated calls | 55 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 35 |
| Written notification about debt | Didn't receive notice of right to dispute | 30 |
| Attempts to collect debt not owed | Debt was paid | 28 |
| Disclosure verification of debt | Not given enough info to verify debt | 24 |
Where do complaints against ZWICKER & ASSOCIATES come from?
The states where consumers have filed the most CFPB complaints against ZWICKER & ASSOCIATES. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against ZWICKER & ASSOCIATES
Across 41 states with at least one filing
- Florida
Florida
105 complaints
- Texas
Texas
94 complaints
- California
California
73 complaints
- Georgia
Georgia
63 complaints
- New York
New York
54 complaints
- North Carolina
North Carolina
51 complaints
- New Jersey
New Jersey
46 complaints
- Virginia
Virginia
46 complaints
Frequently Asked Questions
What is the most common complaint against ZWICKER & ASSOCIATES? ▼
The most common issue consumers report about ZWICKER & ASSOCIATES is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 868 complaints filed with the CFPB.
Are complaints against ZWICKER & ASSOCIATES increasing or decreasing? ▼
Complaints against ZWICKER & ASSOCIATES are rising. The company received 196 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is ZWICKER & ASSOCIATES's reputation grade? ▼
ZWICKER & ASSOCIATES has a reputation grade of D (score: 55.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 41 states, with the most complaints from Florida (105 complaints).
What can I do if ZWICKER & ASSOCIATES 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 ZWICKER & ASSOCIATES 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 |