What is the most common complaint against Zenith Financial Network Inc?

The most common issue consumers report about Zenith Financial Network Inc is "Communication tactics", specifically "Frequent or repeated calls". This is based on 78 complaints filed with the CFPB.

Are complaints against Zenith Financial Network Inc increasing or decreasing?

Complaints against Zenith Financial Network Inc are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Zenith Financial Network Inc's reputation grade?

Zenith Financial Network Inc has a reputation grade of F (score: 47.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Zenith Financial Network Inc respond to consumer complaints?

Zenith Financial Network Inc has a 71% timely response rate to CFPB complaints. Consumers disputed the company's response in 22% of cases.

In how many states does Zenith Financial Network Inc operate?

Zenith Financial Network Inc has received CFPB complaints from consumers in 26 states, with the most complaints from California (25 complaints).

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

Zenith Financial Network Inc - Debt Collector Complaint Profile

CFPB complaint profile across 26 states, reputation grade F.

Compiled by PlainCollector

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

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 #941 · compose #4391

VOL 78
GRADE F
12MO 0
STATES 26
TIMELY 71%
DISPUTE 22%
ISSUE Communication tactics
RANK #941
COMPOSE #4,391

Volume peers

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

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 →

State-heavy filing map

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

High volume does not equal a clean composite: Zenith Financial Network Inc is volume #941 but composite #4,391, while California dominates the geography. 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
Divergent corpus ranks: #941 volume; #4,391 composite; Cleanest-composite ladder is 3,450 places worse than volume

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 Netwo… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

71%

93%

91%

Consumer-dispute ratelower is better

22%

25%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

California

25
Texas

10
Florida

5
Colorado

4
Georgia

4
South Carolina

3
Kansas

2
Michigan

2

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.