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

CFPB complaint data Grade C 3 complaints

Zo Financial, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade C.

Complaints by issue type

What consumers report about Zo Financial, Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record zo-financial-inc Zo Financial, Inc.

Grade C · 3 CFPB filings · 67% timely · lead issue: Attempts to collect debt not owed

  • VOL 3
  • GRADE C
  • 12MO 0
  • STATES 3
  • TIMELY 67%
  • ISSUE Attempts to collect debt n…
  • RANK #3,876
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: 950 Credit Inc (3 complaints)

950 Credit Inc950 Credit Inc3A+ Financial Services, Inc.A+ Financial Services, Inc.3A & J CollectionA & J Collection3AAA Lenders Inc.AAA Lenders Inc.3Zo Financial, Inc. (this)Zo Financial, Inc. (this)3
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Zo 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 →

How the 3 complaints break down

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

Reputation score breakdown

C
Composite reputation score
58.9/100
Zo Financial, Inc.

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
3
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response B
67%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

33.3% of Zo Financial, Inc.'s CFPB filings land in Illinois

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

Dominant state
Illinois 33.3%
1 of 3 filings · 3 states touched
Spike month
2015-08 33.3%
1 filings that month · spiky (≥15% of series)
Corpus ranks
#3,876 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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

How does Zo 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
Zo Financial, Inc. National average
Complaints (last 12 mo)lower is better
0
3
268
Timely-response ratehigher is better
67%
0%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Zo Financial, Inc.'s complaint volume in context

Zo Financial, Inc. 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)

3 28th percentile higher than 28% 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. Zo Financial, Inc. 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 ↓
2015-08 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
2
Communication tactics
1

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

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

Top states by complaints against Zo Financial, Inc.

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 Zo 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 Zo 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.