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

CFPB complaint data Grade F 53 complaints

Zarvad III S.a. - Debt Collector Complaint Profile

CFPB complaint profile across 20 states, reputation grade F.

Complaints by issue type

What consumers report about Zarvad III S.a.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 48.9/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Zarvad III S.a. ranks ahead of 13% of the 5,283 collectors PlainCollector grades - 87% keep a cleaner CFPB record, on 53 all-time complaints and a 60% timely-response rate.

13th pct
reputation rank of 5,283 graded collectors
53
CFPB complaints, all-time
60%
answered inside the CFPB window
2
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Zarvad III S.a.?

Zarvad III S.a. has accumulated 53 total CFPB complaints across 20 states, with 2 filed in the most recent 12 months against 51 historical complaints before that window. The trailing-12-month volume represents 3.8% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "You told them to stop contacting you, but they keep trying". The company posts a 60% timely-response rate against a 22% consumer-dispute-after-response rate.

Complaints have been recorded across 20 states, led by California with 10 and Louisiana with 5. Normalized against the full CFPB collector database, the reputation score of 48.9/100 places Zarvad III S.a. in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

53

low-volume (CCDB)

Last 12 months

2

3.8% of all-time complaints

Falling ↓

States active

20

multi-region footprint

Timely response rate

60%

below sla band

Consumer disputes

22%

elevated (vertical avg ~19%)

Reputation grade

F

48.9/100 composite

How does Zarvad III S.a.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

49 Bottom 13% higher than 13% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Zarvad III S.a. versus the debt-collection vertical average.

Timely response within SLA 59.6%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 21.7%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 35.7%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
ZARVAD III S.A. National average
Complaints (last 12 mo)lower is better
2
0
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 Sub-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.

Top states by complaints against Zarvad III S.a.

Across 20 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Zarvad III S.a. contacts you

A grade of F signals how Zarvad III S.a.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Zarvad III S.a. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Zarvad III S.a. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 48.9/100), 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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.