Debt collection
Zwicker & Associates: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 45
- Closed with money back
- 0
- 2023 to 2025
- 5 to 25
Zwicker & Associates received 456 complaints from everyone in the window; 45 carried the servicemember tag. The complaints are mostly about debt collection, and the single most common issue is "Attempts to collect debt not owed". 0 of the 45 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 5 in 2023 to 25 in 2025.
What the complaints are about
By product
| Debt collection | 41 |
| Credit card | 1 |
| Credit reporting or other personal consumer reports | 1 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
By issue
| Attempts to collect debt not owed | 13 |
| Written notification about debt | 13 |
| Communication tactics | 6 |
| Took or threatened to take negative or legal action | 5 |
| False statements or representation | 4 |
| 2023: 5 | 2024: 15 | 2025: 25 |
Which accounts, specifically
| Credit card debt | 36 |
| I do not know | 8 |
| Other debt | 4 |
| Credit reporting | 1 |
| Personal line of credit | 1 |
What went wrong, specifically
| Didn't receive enough information to verify debt | 10 |
| Debt was result of identity theft | 7 |
| Debt is not yours | 5 |
| You told them to stop contacting you, but they keep trying | 5 |
| Attempted to collect wrong amount | 4 |
Busiest month: March 2025, with 4 servicemember complaints. Most were submitted by web.
Most complaints came from NJ (7), GA (6), VA (5) , then AL, NC, TX.
How Zwicker & Associates answered
| Closed with explanation | 45 |
Zwicker & Associates responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Debt collection; Written notification about debt. OH, 2024-08-22. Outcome: Closed with explanation. Complaint 9895127
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Debt collection; Took or threatened to take negative or legal action. AL, 2024-08-20. Outcome: Closed with explanation. Complaint 9861506
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Debt collection; Written notification about debt. VA, 2024-08-19. Outcome: Closed with explanation. Complaint 9853908
If this is your problem at Zwicker & Associates
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with debt collection peers
- Waypoint Resource 46 servicemember complaints; 0 with money back
- Contract Callers 44 servicemember complaints; 0 with money back
- Southwest Recovery Services 44 servicemember complaints; 0 with money back
- Penn Credit 47 servicemember complaints; 0 with money back
- First Credit Services 42 servicemember complaints; 0 with money back
Next in the directory by volume: Sunbit.
Frequently asked questions
How many complaints did servicemembers file against Zwicker & Associates?
45 complaints tagged servicemember were received by the CFPB about ZWICKER & ASSOCIATES between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 5 in 2023 to 25 in 2025.
What do servicemembers complain about most at Zwicker & Associates?
Debt collection accounts for 41 of the 45 complaints, and the most common issue is "Attempts to collect debt not owed" (13). Next: "Written notification about debt" (13).
Does Zwicker & Associates give money back when a servicemember complains?
0 of the 45 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 45 closed with an explanation only. Zwicker & Associates answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.