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
Zo Financial, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 3 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Zo Financial, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
2 complaints
- Communication tactics
Communication tactics
1 complaints
C
Grade C · 62.7/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Zo Financial, Inc.?
Zo Financial, Inc. has accumulated 3 total CFPB complaints across 3 states, with 1 filed in the most recent 12 months against 2 historical complaints before that window. The trailing-12-month volume represents 33.3% 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 "Communication tactics", narrowing to "Called before 8am or after 9pm", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 67% 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 3 states, led by Washington with 1 and Pennsylvania 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 62.7/100 places Zo Financial, Inc. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
33.3% of total history
Rising ↑
States active
3
Distinct state filings
Timely response rate
67%
Within CFPB SLA window
Reputation grade
C
62.7/100 composite
Response-quality profile
How Zo Financial, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 66.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 5.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Zo Financial, Inc. compare to its peers?
Zo 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)
2022-12 2025-04
Top Consumer Issues
Communication tactics1 (%)
Attempts to collect debt not owed2 (%)
Most common issue: Communication tactics — Called before 8am or after 9pm
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 |
|---|---|---|
| Communication tactics | Called before 8am or after 9pm | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
Where do complaints against Zo Financial, Inc. come from?
The states where consumers have filed the most CFPB complaints against Zo Financial, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Zo Financial, Inc.
Across 3 states with at least one filing
- Washington
Washington
1 complaints
- Pennsylvania
Pennsylvania
1 complaints
- Illinois
Illinois
1 complaints
Frequently Asked Questions
What is the most common complaint against Zo Financial, Inc.? ▼
The most common issue consumers report about Zo Financial, Inc. is "Communication tactics", specifically "Called before 8am or after 9pm". This is based on 3 complaints filed with the CFPB.
Are complaints against Zo Financial, Inc. increasing or decreasing? ▼
Complaints against Zo Financial, Inc. are rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Zo Financial, Inc.'s reputation grade? ▼
Zo Financial, Inc. has a reputation grade of C (score: 62.7/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Zo Financial, Inc. respond to consumer complaints? ▼
Zo Financial, Inc. has a 67% timely response rate to CFPB complaints.
In how many states does Zo Financial, Inc. operate? ▼
Zo Financial, Inc. has received CFPB complaints from consumers in 3 states, with the most complaints from Washington (1 complaints).
What can I do if Zo 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 Zo 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 |