Total CFPB complaints
3
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 3 complaints
ZINC Financial, Inc., — Debt Collector Complaint Profile
CFPB complaint profile across 2 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about ZINC Financial, Inc.,
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
2 complaints
- Written notification about debt
Written notification about debt
1 complaints
F
Grade F · 40.6/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about ZINC Financial, Inc.,?
ZINC Financial, Inc., has accumulated 3 total CFPB complaints across 2 states, with 3 filed in the most recent 12 months against 0 historical complaints before that window. The trailing-12-month volume represents 100.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 0% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 2 states, led by California with 2 and Louisiana with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 40.6/100 places ZINC Financial, 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
3
100.0% of total history
Rising ↑
States active
2
Distinct state filings
Timely response rate
0%
Within CFPB SLA window
Reputation grade
F
40.6/100 composite
Response-quality profile
How ZINC Financial, Inc., performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 0.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 3.6%
Share of US states + territories with at least one filed complaint against this collector.
How does ZINC Financial, Inc., compare to its peers?
ZINC Financial, Inc., 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)
2025-09 2025-12
Top Consumer Issues
Took or threatened to take negative or legal action2 (%)
Written notification about debt1 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
Where do complaints against ZINC Financial, Inc., come from?
The states where consumers have filed the most CFPB complaints against ZINC Financial, Inc.,. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against ZINC Financial, Inc.,
Across 2 states with at least one filing
- California
California
2 complaints
- Louisiana
Louisiana
1 complaints
Frequently Asked Questions
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: 40.6/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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).
What can I do if ZINC Financial, 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 ZINC Financial, 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 |