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

CFPB complaint data Grade B 8 complaints

Zealandia Holding Company, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 6 states, reputation grade B.

Complaints by issue type

What consumers report about Zealandia Holding Company, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

B

Grade B · 75.3/100 composite

This collector has a good complaint record with relatively few complaints and responsive customer service.

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

The verdict

A reputation grade of B: Zealandia Holding Company, Inc. ranks ahead of 78% of the 5,283 collectors PlainCollector grades - 22% keep a cleaner CFPB record, on 8 all-time complaints and a 88% timely-response rate.

78th pct
reputation rank of 5,283 graded collectors
8
CFPB complaints, all-time
88%
answered inside the CFPB window
0
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 Zealandia Holding Company, Inc.?

Zealandia Holding Company, Inc. has accumulated 8 total CFPB complaints across 6 states, with 0 filed in the most recent 12 months against 8 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Cont'd attempts collect debt not owed", narrowing to "Debt was paid". The company posts a 88% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 6 states, led by Florida with 2 and Georgia with 2. Normalized against the full CFPB collector database, the reputation score of 75.3/100 places Zealandia Holding Company, Inc. in grade band B.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

8

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

6

regional footprint

Timely response rate

88%

acceptable band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

B

75.3/100 composite

How does Zealandia Holding Company, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

75 Top 22% higher than 78% 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%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). Below this entry. 70–80: 871 graded collectors (16%). This entry sits in this band. 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

Zealandia Holding Company, Inc. versus the debt-collection vertical average.

Timely response within SLA 87.5%
Vertical avg

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

Consumer dispute rate (post-response) 0.0%
Vertical avg

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

State coverage breadth 10.7%

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

How does Zealandia Holding Company, Inc. compare to its peers?

How does Zealandia Holding Company, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Zealandia Holding Comp… National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
88%
100%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-09 2025-12

Issue Detail Breakdown

Issue Sub-Issue Complaints
Cont'd attempts collect debt not owed - 6
Attempts to collect debt not owed - 1
False statements or representation - 1

Where do complaints against Zealandia Holding Company, Inc. come from?

Zealandia Holding Company, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Zealandia Holding Company, Inc.

Across 6 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Zealandia Holding Company, Inc. contacts you

A grade of B signals how Zealandia Holding Company, Inc.'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 Zealandia Holding Company, Inc. 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 Zealandia Holding Company, Inc. 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 Zealandia Holding Company, Inc.? ▼

The most common issue consumers report about Zealandia Holding Company, Inc. is "Cont'd attempts collect debt not owed", specifically "Debt was paid". This is based on 8 complaints filed with the CFPB.

Are complaints against Zealandia Holding Company, Inc. increasing or decreasing? ▼

Complaints against Zealandia Holding Company, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Zealandia Holding Company, Inc.'s reputation grade? ▼

Zealandia Holding Company, Inc. has a reputation grade of B (score: 75.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Zealandia Holding Company, Inc. respond to consumer complaints? ▼

Zealandia Holding Company, Inc. has a 88% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Zealandia Holding Company, Inc. operate? ▼

Zealandia Holding Company, Inc. has received CFPB complaints from consumers in 6 states, with the most complaints from Florida (2 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.