Debt collector · complaint record
Zwicker & Associates complaints
Consumers have filed 1,086 complaints about Zwicker & Associates since 2013, 205 of them in the last 12 months (-8% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is attempts to collect debt not owed.
Average response record. How it works
- Complaints on record
- 1,086
- Last 12 months
- 205
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 5
- Rank
- #127 of 1,963
Since July 2013
-8% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 30, 2026
Most complained-about debt collectors
Zwicker & Associates complaints by month
The busiest month was May 2025 (33 complaints). Complaints in the last 12 months are about level, 0% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Zwicker & Associates answered last 12 months
- Closed with explanation20399%
- In progress21%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend12/15-8% vs last year
What Zwicker & Associates complaints are about
Top Zwicker & Associates problems last 12 months
Inside "Attempts to collect debt not owed"
- Debt is not yours 95
- Debt was result of identity theft 87
- Debt was paid 42
- Debt was already discharged in bankruptcy and is no longer owed 12
Where Zwicker & Associates complaints come from
Most complaints: Florida (125), Texas (122), Georgia (84), California (78), New York (65).
Zwicker & Associates compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Credit Collections U.S.ADebt collection | 10 | 211 | F |
| 2 | Kinum, Inc., Indianapolis, IN BranchDebt collection | 51 | 211 | C |
| 3 | Carter-YoungDebt collection | 49 | 205 | D |
| 4 | Zwicker & AssociatesDebt collection | 57 | 205 | C |
| 5 | American First FinanceDebt collection | 83 | 204 | A |
| 6 | Applied Data FinanceDebt collection | 48 | 196 | D |
| 7 | Credit Bureau AssociatesDebt collection | 6 | 196 | F |
| 8 | 2288984 OntarioDebt collection | 36 | 195 | D |
Compare side by side: Zwicker & Associates vs Credit Collections U.S.A · Zwicker & Associates vs Kinum, Inc., Indianapolis, IN Branch · Zwicker & Associates vs Carter-Young · Zwicker & Associates vs American First Finance
What people say about Zwicker & Associates
All experiencesNo experiences with Zwicker & Associates yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Zwicker & Associates complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 30, 2026 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Oct 27, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Oct 23, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 23, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 21, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 15, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 14, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 13, 2026 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Oct 8, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | In progress |
| Oct 8, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 7, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 7, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Questions about Zwicker & Associates
How many complaints does Zwicker & Associates have?
Zwicker & Associates has 1,086 complaints on record since July 2013, including 205 in the last 12 months and 5 in the last 30 days. That makes it number 325 of every company by complaints this year.
Does Zwicker & Associates respond to complaints?
Yes. Zwicker & Associates answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 57/100 (grade C).
What do people complain about most with Zwicker & Associates?
The most common problems are attempts to collect debt not owed (236), false statements or representation (151), took or threatened to take negative or legal action (189).
Is Zwicker & Associates legit?
Zwicker & Associates is a real company with a public complaint record: consumers have complained about it 1,086 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Zwicker & Associates legit? for the signals, red flags and how to protect yourself.
Are complaints about Zwicker & Associates going up or down?
Roughly level. There were 205 complaints in the last 12 months against 222 in the 12 before (-8%). See every month.
How do I file a complaint against Zwicker & Associates?
Complain to Zwicker & Associates in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Zwicker & Associates complaints come from?
Most come from Florida (125), Texas (122), Georgia (84). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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