Total CFPB complaints
66
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 66 complaints
ZENCO COLLECTION, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 25 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about ZENCO COLLECTION, LLC
- Taking/threatening an illegal action
Taking/threatening an illegal action
27 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
13 complaints
- Communication tactics 10
Communication tactics
10 complaints
- Took or threatened to take negative or legal action 3
Took or threatened to take negative or legal action
3 complaints
- False statements or representation 2
False statements or representation
2 complaints
C
Grade C · 59.5/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about ZENCO COLLECTION, LLC?
ZENCO COLLECTION, LLC has accumulated 66 total CFPB complaints across 25 states, with 0 filed in the most recent 12 months against 66 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Taking/threatening an illegal action", narrowing to "Threatened to sue on too old debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 86% timely-response rate against a 13% 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 25 states, led by Texas with 13 and Florida with 7, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.5/100 places ZENCO COLLECTION, LLC in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
25
Distinct state filings
Timely response rate
86%
Within CFPB SLA window
Consumer disputes
13%
After company response
Reputation grade
C
59.5/100 composite
Response-quality profile
How ZENCO COLLECTION, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 86.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 25.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 44.6%
Share of US states + territories with at least one filed complaint against this collector.
How does ZENCO COLLECTION, LLC compare to its peers?
ZENCO COLLECTION, LLC 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)
2015-10 2021-07
Top Consumer Issues
Taking/threatening an illegal action27 (%)
Communication tactics10 (%)
Cont'd attempts collect debt not owed13 (%)
Took or threatened to take negative or legal action3 (%)
False statements or representation2 (%)
Most common issue: Taking/threatening an illegal action — Threatened to sue on too old debt
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 |
|---|---|---|
| Taking/threatening an illegal action | Threatened to sue on too old debt | 17 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 8 |
| Communication tactics | Threatened to take legal action | 8 |
| Cont'd attempts collect debt not owed | Debt is not mine | 7 |
| Cont'd attempts collect debt not owed | Debt was paid | 3 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 3 |
| Cont'd attempts collect debt not owed | Debt was discharged in bankruptcy | 3 |
| False statements or representation | Impersonated an attorney or official | 2 |
| Taking/threatening an illegal action | Seized/Attempted to seize property | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
Where do complaints against ZENCO COLLECTION, LLC come from?
The states where consumers have filed the most CFPB complaints against ZENCO COLLECTION, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against ZENCO COLLECTION, LLC
Across 25 states with at least one filing
- Texas
Texas
13 complaints
- Florida
Florida
7 complaints
- California
California
6 complaints
- New York 5
New York
5 complaints
- Pennsylvania 4
Pennsylvania
4 complaints
- Georgia 4
Georgia
4 complaints
- North Carolina 4
North Carolina
4 complaints
- Virginia 2
Virginia
2 complaints
Frequently Asked Questions
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 66 complaints filed with the CFPB.
Are complaints against ZENCO COLLECTION, LLC increasing or decreasing? ▼
Complaints against ZENCO COLLECTION, LLC have been stable. The company received 0 complaints in the last 12 months.
What is ZENCO COLLECTION, LLC's reputation grade? ▼
ZENCO COLLECTION, LLC has a reputation grade of C (score: 59.5/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 25 states, with the most complaints from Texas (13 complaints).
What can I do if ZENCO COLLECTION, LLC 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 ZENCO COLLECTION, LLC 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 |