CFPB · Single-product concentration
ZestFinance
7 CFPB complaints · 71.4% in "Debt collection" · top issue Taking/threatening an illegal action.
ZestFinance: 71.4% of 7 CFPB complaints sit in "Debt collection". Timely 71.4% · relief 0%. Allegations, not findings.
- Single-product concentration
- -25% filings 2015 to 2016
CFPB relief outcome brief
CCDB company zestfinance
0% relief · 71.4% timely · 7 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
ZestFinance closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
ZestFinance complaint mix by product
- Debt collection 5 71.4% – 0% relief
- Consumer Loan 1 14.3% – 0% relief
- Payday loan 1 14.3% – 0% relief
How ZestFinance's 7 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 5 |
| Consumer Loan | 1 |
| Payday loan | 1 |
Concentrated filing states for ZestFinance
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 42.9% of this company's filings
ZestFinance falling annual filings
Annual filing volume from the CFPB public database
- 2016
- 3
- -25% vs 2015
Top States
| State | Complaints |
|---|---|
| TX | 3 |
| LA | 2 |
| MO | 1 |
| DE | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Taking/threatening an illegal action | 3 |
| Improper contact or sharing of info | 1 |
| Problems when you are unable to pay | 1 |
| Charged fees or interest I didn't expect | 1 |
| False statements or representation | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 4 | 50% |
| 2016 | 3 | 100% |
Source: CFPB Consumer Complaint Database
ZestFinance filings cluster in one product
ZestFinance's 7 logged complaints stay concentrated: only 4 states show a filing. 42.9% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2016-09-02.
ZestFinance answers 71.4% of complaints inside the CFPB's tracked window and closes 100% 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. "Debt collection" draws the most filings, most often for "Taking/threatening an illegal action."
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 ZestFinance.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for ZestFinance: 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: 7.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 71.4%.
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 ZestFinance (71.4% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration