Total CFPB complaints
52
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 52 complaints
ZARVAD III S.A. — Debt Collector Complaint Profile
CFPB complaint profile across 19 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about ZARVAD III S.A.
- Communication tactics
Communication tactics
20 complaints
- Took or threatened to take negative or legal action 6
Took or threatened to take negative or legal action
6 complaints
- Cont'd attempts collect debt not owed 4
Cont'd attempts collect debt not owed
4 complaints
- Improper contact or sharing of info 4
Improper contact or sharing of info
4 complaints
- Disclosure verification of debt 3
Disclosure verification of debt
3 complaints
- False statements or representation 2
False statements or representation
2 complaints
F
Grade F · 48.9/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about ZARVAD III S.A.?
ZARVAD III S.A. has accumulated 52 total CFPB complaints across 19 states, with 1 filed in the most recent 12 months against 51 historical complaints before that window. The trailing-12-month volume represents 1.9% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "You told them to stop contacting you, but they keep trying", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 60% timely-response rate against a 22% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 19 states, led by California with 10 and Louisiana with 5, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 48.9/100 places ZARVAD III S.A. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
1.9% of total history
Stable →
States active
19
Distinct state filings
Timely response rate
60%
Within CFPB SLA window
Consumer disputes
22%
After company response
Reputation grade
F
48.9/100 composite
Response-quality profile
How ZARVAD III S.A. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 43.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 33.9%
Share of US states + territories with at least one filed complaint against this collector.
How does ZARVAD III S.A. compare to its peers?
ZARVAD III S.A. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2017-04 2026-02
Top Consumer Issues
Communication tactics20 (%)
Cont'd attempts collect debt not owed4 (%)
Improper contact or sharing of info4 (%)
Disclosure verification of debt3 (%)
Took or threatened to take negative or legal action6 (%)
False statements or representation2 (%)
Most common issue: Communication tactics — You told them to stop contacting you, but they keep trying
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Communication tactics | You told them to stop contacting you, but they keep trying | 8 |
| Communication tactics | Called after sent written cease of comm | 5 |
| Communication tactics | Frequent or repeated calls | 5 |
| Cont'd attempts collect debt not owed | Debt was paid | 4 |
| Improper contact or sharing of info | Contacted employer after asked not to | 4 |
| Disclosure verification of debt | Not given enough info to verify debt | 3 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 3 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3 |
| Communication tactics | Threatened to take legal action | 2 |
| False statements or representation | Attempted to collect wrong amount | 2 |
Where do complaints against ZARVAD III S.A. come from?
The states where consumers have filed the most CFPB complaints against ZARVAD III S.A.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against ZARVAD III S.A.
Across 19 states with at least one filing
- California
California
10 complaints
- Louisiana
Louisiana
5 complaints
- Texas
Texas
5 complaints
- Tennessee
Tennessee
4 complaints
- Ohio
Ohio
4 complaints
- Illinois
Illinois
4 complaints
- Nevada 2
Nevada
2 complaints
- Rhode Island 2
Rhode Island
2 complaints
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 52 complaints filed with the CFPB.
Are complaints against ZARVAD III S.A. increasing or decreasing? ▼
Complaints against ZARVAD III S.A. have been stable. The company received 1 complaints in the last 12 months.
What is ZARVAD III S.A.'s reputation grade? ▼
ZARVAD III S.A. has a reputation grade of F (score: 48.9/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 19 states, with the most complaints from California (10 complaints).
What can I do if ZARVAD III S.A. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If ZARVAD III S.A. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |