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

Data updated July 2026

C

Grade C · 59.5/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

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

The verdict

A reputation grade of C: Zenco Collection, LLC ranks ahead of 41% of the 5,283 collectors PlainCollector grades - 59% keep a cleaner CFPB record, on 67 all-time complaints and a 86% timely-response rate.

41st pct
reputation rank of 5,283 graded collectors
67
CFPB complaints, all-time
86%
answered inside the CFPB window
1
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 Zenco Collection, LLC?

Zenco Collection, LLC has accumulated 67 total CFPB complaints across 26 states, with 1 filed in the most recent 12 months against 66 historical complaints before that window. The trailing-12-month volume represents 1.5% 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 "Taking/threatening an illegal action", narrowing to "Threatened to sue on too old debt". The company posts a 86% timely-response rate against a 13% consumer-dispute-after-response rate.

Complaints have been recorded across 26 states, led by Texas with 13 and Florida with 7. Normalized against the full CFPB collector database, the reputation score of 59.5/100 places Zenco Collection, LLC in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

67

low-volume (CCDB)

Last 12 months

1

1.5% of all-time complaints

Falling ↓

States active

26

multi-region footprint

Timely response rate

86%

acceptable band

Consumer disputes

13%

average (vertical avg ~19%)

Reputation grade

C

59.5/100 composite

How does Zenco Collection, LLC's reputation rank nationally?

Reputation score vs. every graded collector

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

60 41st percentile higher than 41% 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%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 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

Zenco Collection, LLC versus the debt-collection vertical average.

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) 12.7%
Vertical avg

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

State coverage breadth 46.4%

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

How does Zenco Collection, LLC compare to its peers?

How does ZENCO COLLECTION, LLC compare? Versus a similar-volume peer and the national average, 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.

Complaint Trend (24 months)

2022-12 2025-02

Issue Detail Breakdown

Issue Sub-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

What to do if Zenco Collection, LLC contacts you

A grade of C signals how Zenco Collection, LLC'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 Zenco Collection, LLC 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 Zenco Collection, LLC 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 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: 59.5/100), 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).

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.