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

CFPB complaint data Grade F 78 complaints

Zenith Financial Network Inc - Debt Collector Complaint Profile

CFPB complaint profile across 26 states, reputation grade F.

Complaints by issue type

What consumers report about Zenith Financial Network Inc

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

Data updated September 2026

CFPB complaint disposition

CCDB record zenith-financial-network-inc Zenith Financial Network Inc

Grade F · 78 CFPB filings · 71% timely · lead issue: Communication tactics

  • VOL 78
  • GRADE F
  • 12MO 0
  • STATES 26
  • TIMELY 71%
  • DISPUTE 22%
  • ISSUE Communication tactics
  • RANK #941
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Autovest, L.L.C. (78 complaints)

Autovest, L.L.C.Autovest, L.L.C.78Carvana Group, LLCCarvana Group, LLC78Merchants Credit Bureau, Inc.Merchants Credit Bureau, Inc.78Schreiber Law LLCSchreiber Law LLC78Zenith Financial Network Inc (this)Zenith Financial Network Inc…78
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Zenith Financial Network Inc's 78 CFPB complaints sit next to Autovest, L.L.C. 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 78 complaints break down

Every complaint issue type on record for Zenith Financial Network Inc, not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
47.2/100
Zenith Financial Network Inc

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
78
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response B
71%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
22%
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.

State-heavy filing map

32.1% of Zenith Financial Network Inc's CFPB filings land in California

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
California 32.1%
25 of 78 filings · 26 states touched
Seasonal peak
2026-01 11.7%
8–15% band · 25 filings
Corpus ranks
#941 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Zenith Financial Network Inc compare to its peers?

How does Zenith Financial Network Inc compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Zenith Financial Network Inc National average
Complaints (last 12 mo)lower is better
0
24
268
Timely-response ratehigher is better
71%
93%
91%
Consumer-dispute ratelower is better
22%
25%
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 Zenith Financial Network Inc a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 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 60%70%80%90%100%110% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Zenith Financial Network Inc vs. 7 similar-volume peers, by response speed and dispute rate Zenith Financial Network IncU.S. Auto Credit CorporationSchreiber Law LLCMerchants Credit Bureau, Inc.Autovest, L.L.C.Concentric Receivables Management, Ltd.Early Warning Services, LLCJonathan Neil & Associates, Inc
Source: CFPB Consumer Complaint Database

Zenith Financial Network Inc's complaint volume in context

Zenith Financial Network Inc 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)

78 Top 17% higher than 83% 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. Zenith Financial Network Inc 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 ↓
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Communication tactics
28
False statements or representation
11
Taking/threatening an illegal action
8
Improper contact or sharing of info
7
Cont'd attempts collect debt not owed
5
Disclosure verification of debt
5
Threatened to contact someone or share information improperly
5
Attempts to collect debt not owed
3
Written notification about debt
3
Took or threatened to take negative or legal action
3

Where do complaints against Zenith Financial Network Inc come from?

Zenith Financial Network Inc's own per-state count, not a national baseline.

Top states by complaints against Zenith Financial Network Inc

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 Zenith Financial Network Inc: 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: 78.

4 peers

Know your rights before responding to Zenith Financial Network Inc: 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.