CFPB · Single-product concentration
Zenith Financial Network Inc
82 CFPB complaints · 95.1% in "Debt collection" · top issue Communication tactics.
Zenith Financial Network Inc: 95.1% of 82 CFPB complaints sit in "Debt collection". Timely 70.7% · relief 4.9%. Allegations, not findings.
- Single-product concentration
- +800% filings 2013 to 2023
CFPB relief outcome brief
CCDB company zenith-financial-network-inc
4.9% relief · 70.7% timely · 82 filings · Debt collection
Same-product relief peers
Nearest relief peer: TSC Accounts Receivable Solutions (4.9% relief)
Zenith Financial Network Inc closes 4.9% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Zenith Financial Network Inc's 82 filings include narrative text
54.9% 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.
Zenith Financial Network Inc complaint mix by product
- Debt collection 78 95.1% – 4% relief
- Credit reporting 1 1.2% – 0% relief
- Consumer Loan 1 1.2% – 100% relief
- Payday loan 1 1.2% – 0% relief
- Payday loan, 1 1.2% – 0% relief
How Zenith Financial Network Inc's 82 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 78 |
| Credit reporting or other personal consumer reports | 1 |
| Consumer Loan | 1 |
| Payday loan | 1 |
| Payday loan, title loan, or personal loan | 1 |
Where Zenith Financial Network Inc complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 30.5% of this company's filings
Zenith Financial Network Inc rising annual filings
Annual filing volume from the CFPB public database
- 2023
- 9
- +800% vs 2013
Top States
| State | Complaints |
|---|---|
| CA | 25 |
| TX | 10 |
| FL | 5 |
| CO | 5 |
| GA | 4 |
| SC | 3 |
| TN | 3 |
| KS | 2 |
| VA | 2 |
| MI | 2 |
| NC | 2 |
| NM | 2 |
| PA | 2 |
| AR | 1 |
| MO | 1 |
| MA | 1 |
| NJ | 1 |
| HI | 1 |
| MD | 1 |
| LA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Communication tactics | 28 |
| False statements or representation | 11 |
| Taking/threatening an illegal action | 8 |
| Improper contact or sharing of info | 7 |
| Threatened to contact someone or share information improperly | 5 |
| Cont'd attempts collect debt not owed | 5 |
| Disclosure verification of debt | 5 |
| Attempts to collect debt not owed | 3 |
| Took or threatened to take negative or legal action | 3 |
| Written notification about debt | 3 |
| Identity theft protection or other monitoring services | 1 |
| Problems when you are unable to pay | 1 |
| Can't contact lender | 1 |
| Problem with the payoff process at the end of the loan | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 1 | 100% |
| 2014 | 16 | 93.8% |
| 2015 | 16 | 93.8% |
| 2016 | 10 | 50% |
| 2017 | 12 | 58.3% |
| 2018 | 8 | 100% |
| 2019 | 4 | 100% |
| 2020 | 2 | 50% |
| 2021 | 2 | 50% |
| 2022 | 2 | 50% |
| 2023 | 9 | 0% |
Source: CFPB Consumer Complaint Database
Zenith Financial Network Inc filings cluster in one product
Zenith Financial Network Inc's 82 logged complaints stay concentrated: only 27 states show a filing. 54.9% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2023-11-20.
Zenith Financial Network Inc answers 70.7% of complaints inside the CFPB's tracked window and closes 81.7% with a written explanation. 4.9% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Communication tactics."
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 Zenith Financial Network Inc.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Zenith Financial Network Inc: 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: 82.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 70.7%.
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 Zenith Financial Network Inc (70.7% timely; 4.9% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration