Zarvad Iii S.a.
152 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Zarvad Iii S.a. complaint mix by product
- Payday loan, 63 41.4% – 0% relief
- Debt collection 53 34.9% – 0% relief
- Payday loan 34 22.4% – 0% relief
- Payday loan, 1 0.7% – 0% relief
- Consumer Loan 1 0.7% – 0% relief
How Zarvad Iii S.a.'s 152 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Payday loan, title loan, or personal loan | 63 |
| Debt collection | 53 |
| Payday loan | 34 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
| Consumer Loan | 1 |
Top States
| State | Complaints |
|---|---|
| CA | 38 |
| TX | 17 |
| LA | 14 |
| SC | 8 |
| TN | 7 |
| OH | 7 |
| IN | 6 |
| IL | 6 |
| NV | 5 |
| NM | 4 |
| OK | 4 |
| WA | 3 |
| NJ | 3 |
| MS | 3 |
| MI | 3 |
| PA | 2 |
| NY | 2 |
| IA | 2 |
| MO | 2 |
| NC | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| Charged fees or interest you didn't expect | 25 |
| Communication tactics | 20 |
| Struggling to pay your loan | 13 |
| Charged fees or interest I didn't expect | 12 |
| Can't stop charges to bank account | 9 |
| Can't stop withdrawals from your bank account | 8 |
| Took or threatened to take negative or legal action | 6 |
| Received a loan you didn't apply for | 6 |
| Can't contact lender | 6 |
| Cont'd attempts collect debt not owed | 5 |
| Improper contact or sharing of info | 5 |
| Can't contact lender or servicer | 5 |
| False statements or representation | 4 |
| Received a loan I didn't apply for | 3 |
| Disclosure verification of debt | 3 |
| Threatened to contact someone or share information improperly | 3 |
| Problem with the payoff process at the end of the loan | 3 |
| Was approved for a loan, but didn't receive the money | 3 |
| Electronic communications | 2 |
| Charged bank acct wrong day or amt | 2 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 18 | 22.2% |
| 2015 | 17 | 58.8% |
| 2016 | 17 | 82.4% |
| 2017 | 20 | 60% |
| 2018 | 29 | 55.2% |
| 2019 | 24 | 87.5% |
| 2020 | 12 | 100% |
| 2021 | 7 | 100% |
| 2022 | 2 | 100% |
| 2023 | 2 | 100% |
| 2025 | 1 | 0% |
| 2026 | 3 | 0% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Zarvad Iii S.a.
Zarvad Iii S.a.'s 152 logged complaints stay concentrated: only 30 states show a filing on record. 62.5% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2014 through 2026-04-01.
Zarvad Iii S.a. answers 65.8% of complaints inside the CFPB's tracked window and closes 95.4% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Payday loan, title loan, or personal loan" draws the most filings, most often for "Charged fees or interest you didn't expect."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Zarvad Iii S.a..
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does Zarvad Iii S.a. have?
152, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Zarvad Iii S.a. respond to complaints on time?
65.8% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Zarvad Iii S.a.?
"Charged fees or interest you didn't expect", filed under the "Payday loan, title loan, or personal loan" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.