What is the most common complaint against Zarvad III S.a.?

The most common issue consumers report about Zarvad III S.a. is "Communication tactics", specifically "You told them to stop contacting you, but they keep trying". This is based on 53 complaints filed with the CFPB.

Are complaints against Zarvad III S.a. increasing or decreasing?

Complaints against Zarvad III S.a. are falling. The company received 2 complaints in the last 12 months, showing improvement over prior periods.

What is Zarvad III S.a.'s reputation grade?

Zarvad III S.a. has a reputation grade of F (score: 45.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Zarvad III S.a. respond to consumer complaints?

Zarvad III S.a. has a 60% timely response rate to CFPB complaints. Consumers disputed the company's response in 22% of cases.

In how many states does Zarvad III S.a. operate?

Zarvad III S.a. has received CFPB complaints from consumers in 20 states, with the most complaints from California (10 complaints).

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

Zarvad III S.a. - Debt Collector Complaint Profile

CFPB complaint profile across 20 states, reputation grade F.

Compiled by PlainCollector

Communication tactics

20
Took or threatened to take negative or legal action

6
Cont'd attempts collect debt not owed

5
Improper contact or sharing of info

5
False statements or representation

4
Disclosure verification of debt

3

Data updated September 2026

CFPB complaint disposition

CCDB record zarvad-iii-sa Zarvad III S.a.

Grade F · 53 CFPB filings · 60% timely · lead issue: Communication tactics · vol #1159 · compose #4741

VOL 53
GRADE F
12MO 2
STATES 20
TIMELY 60%
DISPUTE 22%
ISSUE Communication tactics
RANK #1,159
COMPOSE #4,741

Volume peers

Nearest volume peer: Advantage Collection Professionals, Inc. (53 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Zarvad III S.a.'s 53 CFPB complaints sit next to Advantage Collection Professionals, Inc. 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 →

Filing geometry

California is the plurality state for Zarvad III S.a. (18.9%)

Volume rank #1,159 and composite rank #4,741 diverge by 3,582 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: California 18.9%; Mid-band (15–30%) · 20 states with ≥1 filing
Seasonal peak: 2018-07 12.5%; 8–15% band · 5 filings
Divergent corpus ranks: #1,159 volume; #4,741 composite; Cleanest-composite ladder is 3,582 places worse than volume

How does Zarvad III S.a. compare to its peers?

How does ZARVAD III S.A. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

ZARVAD III S.A. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

60%

34%

91%

Consumer-dispute ratelower is better

22%

13%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-11 2022-08

Issue Detail Breakdown

Issue	Complaints
Communication tactics	20
Took or threatened to take negative or legal action	6
Cont'd attempts collect debt not owed	5
Improper contact or sharing of info	5
False statements or representation	4
Disclosure verification of debt	3
Threatened to contact someone or share information improperly	3
Attempts to collect debt not owed	2
Written notification about debt	2
Electronic communications	2

Where do complaints against Zarvad III S.a. come from?

Zarvad III S.a.'s own per-state count, not a national baseline.

California

10
Louisiana

5
Texas

5
Illinois

4
Ohio

4
Tennessee

4
Indiana

2
Michigan

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Zarvad III S.a.: 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: 53.

4 peers

Know your rights before responding to Zarvad III S.a.: 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.