What is the most common complaint against ZestFinance?

The most common issue consumers report about ZestFinance is "Taking/threatening an illegal action", specifically "Threatened arrest/jail if do not pay". This is based on 5 complaints filed with the CFPB.

Are complaints against ZestFinance increasing or decreasing?

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

What is ZestFinance's reputation grade?

ZestFinance has a reputation grade of C (score: 60.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does ZestFinance respond to consumer complaints?

ZestFinance has a 60% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.

In how many states does ZestFinance operate?

ZestFinance has received CFPB complaints from consumers in 3 states, with the most complaints from Louisiana (2 complaints).

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

ZestFinance - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade C.

Compiled by PlainCollector

Taking/threatening an illegal action

3
False statements or representation

1
Improper contact or sharing of info

1

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 #3267 · compose #2356

VOL 5
GRADE C
12MO 0
STATES 3
TIMELY 60%
DISPUTE 20%
ISSUE Taking/threatening an ille…
RANK #3,267
COMPOSE #2,356

Volume peers

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

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 →

State-heavy filing map

40.0% of ZestFinance's CFPB filings land in Louisiana

High volume does not equal a clean composite: ZestFinance is volume #3,267 but composite #2,356, while Louisiana dominates the geography. 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)
Divergent corpus ranks: #3,267 volume; #2,356 composite; Cleanest-composite ladder is 911 places better than volume

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

268

Timely-response ratehigher is better

60%

91%

Consumer-dispute ratelower is better

20%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Louisiana

2
Texas

2
Missouri

1

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.