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

Data updated July 2026

F

Grade F · 50.9/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

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

The verdict

A reputation grade of F: Zenith Financial Network Inc ranks ahead of 16% of the 5,283 collectors PlainCollector grades - 84% keep a cleaner CFPB record, on 78 all-time complaints and a 71% timely-response rate.

16th pct
reputation rank of 5,283 graded collectors
78
CFPB complaints, all-time
71%
answered inside the CFPB window
0
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 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 falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Frequent or repeated calls". The company posts a 71% timely-response rate against a 22% consumer-dispute-after-response rate.

Complaints have been recorded across 26 states, led by California with 25 and Texas with 10. Normalized against the full CFPB collector database, the reputation score of 50.9/100 places Zenith Financial Network Inc in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

78

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

26

multi-region footprint

Timely response rate

71%

below sla band

Consumer disputes

22%

elevated (vertical avg ~19%)

Reputation grade

F

50.9/100 composite

How does Zenith Financial Network Inc's reputation rank nationally?

Reputation score vs. every graded collector

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

51 Bottom 16% higher than 16% 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

Zenith Financial Network Inc versus the debt-collection vertical average.

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) 22.4%
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?

How does Zenith Financial Network Inc compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Zenith Financial Netwo… 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.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if Zenith Financial Network Inc contacts you

A grade of F signals how Zenith Financial Network Inc'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 Zenith Financial Network Inc 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 Zenith Financial Network Inc 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 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: 50.9/100), 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).

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.