CFPB · Narrative-heavy record
Zarvad Iii S.a.
152 CFPB complaints · 62.5% with narratives · top issue Charged fees or interest you didn't expect.
Zarvad Iii S.a.: 62.5% of 152 filings include consumer narratives. Timely 65.8% · relief 0% · top product Payday loan, title loan, or personal loan. Allegations, not findings.
- Narrative-heavy record
- -83.3% filings 2014 to 2026
CFPB relief outcome brief
CCDB company zarvad-iii-s-a
0% relief · 65.8% timely · 152 filings · Payday loan, title loan, or personal loan
Same-product relief peers
Nearest relief peer: Kashia Services (0% relief)
Zarvad Iii S.a. closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Zarvad Iii S.a.'s 152 filings include narrative text
62.5% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
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 |
Where Zarvad Iii S.a. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 25% of this company's filings
Zarvad Iii S.a. falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 3
- -83.3% vs 2014
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
Zarvad Iii S.a.'s narrative-rich complaint ledger
Zarvad Iii S.a.'s 152 logged complaints stay concentrated: only 30 states show a filing. 62.5% of filings carry a written consumer narrative, 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..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Zarvad Iii S.a.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 152.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 65.8%.
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.
Data sourced from official public datasets for Zarvad Iii S.a. (65.8% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record