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

CFPB complaint data Grade C 67 complaints

Zenco Collection, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 26 states, reputation grade C.

Complaints by issue type

What consumers report about Zenco Collection, LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record zenco-collection-llc Zenco Collection, LLC

Grade C · 67 CFPB filings · 86% timely · lead issue: Taking/threatening an illegal action

  • VOL 67
  • GRADE C
  • 12MO 1
  • STATES 26
  • TIMELY 86%
  • DISPUTE 13%
  • ISSUE Taking/threatening an ille…
  • RANK #1,027
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Armcon Corp (67 complaints)

Armcon CorpArmcon Corp67Clear Recovery, Inc.Clear Recovery, Inc.67Data Search NY, Inc.Data Search NY, Inc.67Future Judgement SolutionsFuture Judgement Solutions67Zenco Collection, LLC (this)Zenco Collection, LLC (this)67
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Zenco Collection, LLC's 67 CFPB complaints sit next to Armcon Corp 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 →

How the 67 complaints break down

Every complaint issue type on record for Zenco Collection, LLC, not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
55.9/100
Zenco Collection, LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
67
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
86%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
13%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

Texas is the plurality state for Zenco Collection, LLC (19.4%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
Texas 19.4%
Mid-band (15–30%) · 26 states with ≥1 filing
Seasonal peak
2025-01 11.0%
8–15% band · 8 filings
Corpus ranks
#1,027 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Zenco Collection, LLC compare to its peers?

How does ZENCO COLLECTION, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
ZENCO COLLECTION, LLC National average
Complaints (last 12 mo)lower is better
1
0
268
Timely-response ratehigher is better
86%
82%
91%
Consumer-dispute ratelower is better
13%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Zenco Collection, LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 20%40%60%80%100%120% 0%20%40%60%80% Timely response rate (%) Dispute rate (%) Zenco Collection, LLC vs. 8 similar-volume peers, by response speed and dispute rate Zenco Collection, LLCNorthwood Asset Management GroupMerchants Acceptance CorpGenesis Credit Management, LLCData Search NY, Inc.Clear Recovery, Inc.Armcon CorpAccelerated Servicing Group LLCCollection Service Center, Inc.
Source: CFPB Consumer Complaint Database

Zenco Collection, LLC's complaint volume in context

Zenco Collection, LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

67 Top 19% higher than 81% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). This entry sits in this band. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Zenco Collection, LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2022-12 2025-02

Issue Detail Breakdown

Issue Complaints
Taking/threatening an illegal action
29
Cont'd attempts collect debt not owed
13
Communication tactics
12
Took or threatened to take negative or legal action
5
False statements or representation
4
Attempts to collect debt not owed
2
Written notification about debt
1
Threatened to contact someone or share information improperly
1

Where do complaints against Zenco Collection, LLC come from?

Zenco Collection, LLC's own per-state count, not a national baseline.

Top states by complaints against Zenco Collection, LLC

Across 26 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Zenco Collection, LLC: 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: 67.

4 peers

Know your rights before responding to Zenco Collection, LLC: 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.