Total CFPB complaints
78
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 78 complaints
Zenith Financial Network Inc — Debt Collector Complaint Profile
CFPB complaint profile across 26 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Zenith Financial Network Inc
- Communication tactics
Communication tactics
25 complaints
- False statements or representation 9
False statements or representation
9 complaints
- Taking/threatening an illegal action 5
Taking/threatening an illegal action
5 complaints
- Cont'd attempts collect debt not owed 5
Cont'd attempts collect debt not owed
5 complaints
- Threatened to contact someone or share information improperly 5
Threatened to contact someone or share information improperly
5 complaints
- Improper contact or sharing of info 4
Improper contact or sharing of info
4 complaints
F
Grade F · 50.9/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Zenith Financial Network Inc?
Zenith Financial Network Inc has accumulated 78 total CFPB complaints across 26 states, with 0 filed in the most recent 12 months against 78 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 "Communication tactics", narrowing to "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 71% timely-response rate against a 22% 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 26 states, led by California with 25 and Texas with 10, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 50.9/100 places Zenith Financial Network Inc in grade band F, 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
26
Distinct state filings
Timely response rate
71%
Within CFPB SLA window
Consumer disputes
22%
After company response
Reputation grade
F
50.9/100 composite
Response-quality profile
How Zenith Financial Network Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 70.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 44.9%
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 Zenith Financial Network Inc compare to its peers?
Zenith Financial Netwo… 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)
2017-04 2023-11
Top Consumer Issues
Communication tactics25 (%)
False statements or representation9 (%)
Taking/threatening an illegal action5 (%)
Cont'd attempts collect debt not owed5 (%)
Improper contact or sharing of info4 (%)
Written notification about debt3 (%)
Threatened to contact someone or share information improperly5 (%)
Disclosure verification of debt3 (%)
Most common issue: Communication tactics — Frequent or repeated calls
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 |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 17 |
| False statements or representation | Attempted to collect wrong amount | 9 |
| Communication tactics | Threatened to take legal action | 8 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 5 |
| Cont'd attempts collect debt not owed | Debt is not mine | 5 |
| Improper contact or sharing of info | Contacted employer after asked not to | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 3 |
| Disclosure verification of debt | Not given enough info to verify debt | 3 |
| Threatened to contact someone or share information improperly | Contacted you after you asked them to stop | 2 |
Where do complaints against Zenith Financial Network Inc come from?
The states where consumers have filed the most CFPB complaints against Zenith Financial Network Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Zenith Financial Network Inc
Across 26 states with at least one filing
- California
California
25 complaints
- Texas
Texas
10 complaints
- Florida 5
Florida
5 complaints
- Georgia 4
Georgia
4 complaints
- Colorado 4
Colorado
4 complaints
- South Carolina 3
South Carolina
3 complaints
- Virginia 2
Virginia
2 complaints
- Pennsylvania 2
Pennsylvania
2 complaints
Frequently Asked Questions
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 have been stable. The company received 0 complaints in the last 12 months.
What is Zenith Financial Network Inc's reputation grade? ▼
Zenith Financial Network Inc has a reputation grade of F (score: 50.9/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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).
What can I do if Zenith Financial Network Inc 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 Zenith Financial Network Inc 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 |