What is the most common complaint against ZINC Financial, Inc.,?

The most common issue consumers report about ZINC Financial, Inc., is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 3 complaints filed with the CFPB.

Are complaints against ZINC Financial, Inc., increasing or decreasing?

Complaints against ZINC Financial, Inc., are rising. The company received 3 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is ZINC Financial, Inc.,'s reputation grade?

ZINC Financial, Inc., has a reputation grade of F (score: 36.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does ZINC Financial, Inc., respond to consumer complaints?

ZINC Financial, Inc., has a 0% timely response rate to CFPB complaints.

In how many states does ZINC Financial, Inc., operate?

ZINC Financial, Inc., has received CFPB complaints from consumers in 2 states, with the most complaints from California (2 complaints).

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

ZINC Financial, Inc., - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade F.

Compiled by PlainCollector

Took or threatened to take negative or legal action

2
Written notification about debt

1

Data updated September 2026

CFPB complaint disposition

CCDB record zinc-financial-inc ZINC Financial, Inc.,

Grade F · 3 CFPB filings · 0% timely · lead issue: Took or threatened to take negative or legal action · vol #3875 · compose #5081

VOL 3
GRADE F
12MO 3
STATES 2
TIMELY 0%
ISSUE Took or threatened to take…
RANK #3,875
COMPOSE #5,081

Volume peers

Nearest volume peer: 950 Credit Inc (3 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

ZINC Financial, Inc.,'s 3 CFPB complaints sit next to 950 Credit 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

66.7% of ZINC Financial, Inc.,'s CFPB filings land in California

High volume does not equal a clean composite: ZINC Financial, Inc., is volume #3,875 but composite #5,081, while California dominates the geography. Corpus placement method.

Dominant state: California 66.7%; 2 of 3 filings · 2 states touched
Spike month: 2015-02 50.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,875 volume; #5,081 composite; Cleanest-composite ladder is 1,206 places worse than volume

How does ZINC Financial, Inc., compare to its peers?

How does ZINC Financial, 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

ZINC Financial, Inc., National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-02 2021-03

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	2
Written notification about debt	1

Where do complaints against ZINC Financial, Inc., come from?

ZINC Financial, Inc.,'s own per-state count, not a national baseline.

California

2
Louisiana

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for ZINC Financial, 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: 3.

4 peers

Know your rights before responding to ZINC Financial, 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.