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

CFPB complaint data Grade C 5 complaints

ZestFinance - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade C.

Complaints by issue type

What consumers report about ZestFinance

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

Data updated September 2026

CFPB complaint disposition

CCDB record zestfinance ZestFinance

Grade C · 5 CFPB filings · 60% timely · lead issue: Taking/threatening an illegal action

  • VOL 5
  • GRADE C
  • 12MO 0
  • STATES 3
  • TIMELY 60%
  • DISPUTE 20%
  • ISSUE Taking/threatening an ille…
  • RANK #3,267
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Aaron Worldwide Collections Inc. (5 complaints)

Aaron Worldwide Collections Inc.Aaron Worldwide Collections …5Accelerated Recovery Services, IncAccelerated Recovery Service…5Accenture LLPAccenture LLP5AccessOne Holdings, Inc.AccessOne Holdings, Inc.5ZestFinance (this)ZestFinance (this)5
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

ZestFinance's 5 CFPB complaints sit next to Aaron Worldwide Collections Inc. 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 5 complaints break down

Every complaint issue type on record for ZestFinance, not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
60.1/100
ZestFinance

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 B
5
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response B
60%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
20%
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

40.0% of ZestFinance's CFPB filings land in Louisiana

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

Dominant state
Louisiana 40.0%
2 of 5 filings · 3 states touched
Spike month
2015-05 25.0%
2 filings that month · spiky (≥15% of series)
Corpus ranks
#3,267 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does ZestFinance compare to its peers?

How does ZestFinance compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
ZestFinance National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
60%
0%
91%
Consumer-dispute ratelower is better
20%
0%
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 ZestFinance a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 7 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 40%60%80%100%120% 0%20%40%60% Timely response rate (%) Dispute rate (%) ZestFinance vs. 6 similar-volume peers, by response speed and dispute rate ZestFinanceWexford & James LLCWetherington Hamilton, P.A.Western Credit & Collection Service, Inc.WILKINSON LAW FIRM, P.C.WESTERN ALLIANCE BANCORPORATIONWALDEN ASSET MANAGEMENT LLC (Closed)
Source: CFPB Consumer Complaint Database

ZestFinance's complaint volume in context

ZestFinance 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)

5 40th percentile higher than 40% of 5,420 collectors

0–20: 3,504 collectors (65%). This entry sits in this band. 20–40: 565 collectors (10%). Above this entry. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 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. ZestFinance 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 ↓
2013-07 2016-01

Issue Detail Breakdown

Issue Complaints
Taking/threatening an illegal action
3
False statements or representation
1
Improper contact or sharing of info
1

Where do complaints against ZestFinance come from?

ZestFinance's own per-state count, not a national baseline.

Top states by complaints against ZestFinance

Across 3 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 ZestFinance: 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: 5.

4 peers

Know your rights before responding to ZestFinance: 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.