What is the most common complaint against Zenco Collection, LLC?

The most common issue consumers report about Zenco Collection, LLC is "Taking/threatening an illegal action", specifically "Threatened to sue on too old debt". This is based on 67 complaints filed with the CFPB.

Are complaints against Zenco Collection, LLC increasing or decreasing?

Complaints against Zenco Collection, LLC are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.

What is Zenco Collection, LLC's reputation grade?

Zenco Collection, LLC has a reputation grade of C (score: 55.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Zenco Collection, LLC respond to consumer complaints?

Zenco Collection, LLC has a 86% timely response rate to CFPB complaints. Consumers disputed the company's response in 13% of cases.

In how many states does Zenco Collection, LLC operate?

Zenco Collection, LLC has received CFPB complaints from consumers in 26 states, with the most complaints from Texas (13 complaints).

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

Zenco Collection, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 26 states, reputation grade C.

Compiled by PlainCollector

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

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 #1027 · compose #3181

VOL 67
GRADE C
12MO 1
STATES 26
TIMELY 86%
DISPUTE 13%
ISSUE Taking/threatening an ille…
RANK #1,027
COMPOSE #3,181

Volume peers

Nearest volume peer: Armcon Corp (67 complaints)

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 →

Filing geometry

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

Volume rank #1,027 and composite rank #3,181 diverge by 2,154 places on PlainCollector's CFPB-derived corpus maps. 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
Divergent corpus ranks: #1,027 volume; #3,181 composite; Cleanest-composite ladder is 2,154 places worse than volume

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

268

Timely-response ratehigher is better

86%

82%

91%

Consumer-dispute ratelower is better

13%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Texas

13
Florida

7
California

6
New York

5
Georgia

4
North Carolina

4
Pennsylvania

4
Louisiana

2

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.