Zwicker & Associates Credit Card Complaint

Zwicker & Associates Credit card department,

Arizona

- - - - - violated my FTC right to charge back a debt by declining a legitimate charge-back of $1100.00 for my -/-/- at the - - -. The hotel 's dirty pool failed state inspections and put my husband in the hospital with a - - that cost $15000.00 ( Doc : My letter dated -/-/- ). - committed BAD FAITH by reducing its Over Time Repayment Services and wrongfully declining a credit card charge to my computer repair company. I closed the - account and returned my charge card on -/-/- ( Doc : My letter dated -/-/- ). - failed to provide a requested response to my -/-/- letter. I wrote a CEASE AND DESIST DEMAND letter dated -/-/- to stop the daily harassing telephone collection calls ( Doc : My letter date -/-/- ).


- sued me using the debt collector firm. Zwicker & Associates PC, on -/-/- and won a default judgment on -/-/-. On -/-/- - attempted to illegally garnish my checking account but the account was overdrawn and it failed. It was an illegal garnishment because my only income is Social Security which can not be garnished. On -/-/- the lawsuit was dismissed due to my bankruptcy. - and Zwicker and Associates violated the FDCPA by failing to provide the -/-/- demanded VALIDATION OF THE DEBT. I do not owe - anything because of it BAD FAITH AND ITS FDCPA LAW BREAKING.