Total CFPB complaints
5
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 5 complaints
ZOA, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about ZOA, LLC
- Taking/threatening an illegal action
Taking/threatening an illegal action
1 complaints
- Problem with customer service
Problem with customer service
1 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
1 complaints
- Communication tactics
Communication tactics
1 complaints
- Improper contact or sharing of info
Improper contact or sharing of info
1 complaints
D
Grade D · 55.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about ZOA, LLC?
ZOA, LLC has accumulated 5 total CFPB complaints across 4 states, with 0 filed in the most recent 12 months against 5 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Taking/threatening an illegal action", narrowing to "Threatened arrest/jail if do not pay", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 20% timely-response rate against a 0% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 4 states, led by Texas with 2 and Missouri 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 55.3/100 places ZOA, LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Falling ↓
States active
4
Distinct state filings
Timely response rate
20%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
D
55.3/100 composite
Response-quality profile
How ZOA, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 20.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does ZOA, LLC compare to its peers?
ZOA, LLC 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)
2014-06 2024-08
Top Consumer Issues
Taking/threatening an illegal action1 (%)
Problem with customer service1 (%)
Attempts to collect debt not owed1 (%)
Communication tactics1 (%)
Improper contact or sharing of info1 (%)
Most common issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
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 |
|---|---|---|
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 1 |
| Problem with customer service | — | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Communication tactics | Called after sent written cease of comm | 1 |
| Improper contact or sharing of info | Contacted me after I asked not to | 1 |
Where do complaints against ZOA, LLC come from?
The states where consumers have filed the most CFPB complaints against ZOA, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against ZOA, LLC
Across 4 states with at least one filing
- Texas
Texas
2 complaints
- Missouri
Missouri
1 complaints
- South Carolina
South Carolina
1 complaints
- Ohio
Ohio
1 complaints
Frequently Asked Questions
What is the most common complaint against ZOA, LLC? ▼
The most common issue consumers report about ZOA, LLC 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 ZOA, LLC increasing or decreasing? ▼
Complaints against ZOA, LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is ZOA, LLC's reputation grade? ▼
ZOA, LLC has a reputation grade of D (score: 55.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does ZOA, LLC respond to consumer complaints? ▼
ZOA, LLC has a 20% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does ZOA, LLC operate? ▼
ZOA, LLC has received CFPB complaints from consumers in 4 states, with the most complaints from Texas (2 complaints).
What can I do if ZOA, LLC 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 ZOA, LLC 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 |