CFPB · Diversified product mix
ZINC Financial, Inc.,
26 CFPB complaints · diversified mix (top product 30.8%) · top issue Improper use of your report.
ZINC Financial, Inc.,: top product "Vehicle loan or lease" is only 30.8% of 26 - multi-bucket mix. Timely 88.5% · relief 3.8%. Allegations, not findings.
- Diversified product mix
- +200% filings 2016 to 2025
CFPB relief outcome brief
CCDB company zinc-financial-inc
3.8% relief · 88.5% timely · 26 filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: BRite Financial Services, Inc. (3.8% relief)
ZINC Financial, Inc., closes 3.8% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of ZINC Financial, Inc.,'s 26 filings include narrative text
76.9% 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.
ZINC Financial, Inc., complaint mix by product
- Vehicle loan 8 30.8% – 13% relief
- Mortgage 6 23.1% – 0% relief
- Credit reporting 4 15.4% – 0% relief
- Credit reporting, 3 11.5% – 0% relief
- Debt collection 3 11.5% – 0% relief
- Consumer Loan 1 3.8% – 0% relief
- Payday loan, 1 3.8% – 0% relief
How ZINC Financial, Inc.,'s 26 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Vehicle loan or lease | 8 |
| Mortgage | 6 |
| Credit reporting or other personal consumer reports | 4 |
| Credit reporting, credit repair services, or other personal consumer reports | 3 |
| Debt collection | 3 |
| Consumer Loan | 1 |
| Payday loan, title loan, or personal loan | 1 |
Concentrated filing states for ZINC Financial, Inc.,
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 57.7% of this company's filings
ZINC Financial, Inc., rising annual filings
Annual filing volume from the CFPB public database
- 2025
- 3
- +200% vs 2016
Top States
| State | Complaints |
|---|---|
| CA | 15 |
| OH | 4 |
| AZ | 2 |
| PA | 2 |
| TX | 1 |
| LA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Improper use of your report | 5 |
| Managing the loan or lease | 4 |
| Trouble during payment process | 4 |
| Problems at the end of the loan or lease | 3 |
| Took or threatened to take negative or legal action | 2 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
| Struggling to pay your loan | 1 |
| Written notification about debt | 1 |
| Problems when you are unable to pay | 1 |
| Loan servicing, payments, escrow account | 1 |
| Closing on a mortgage | 1 |
| Incorrect information on your report | 1 |
| Charged fees or interest you didn't expect | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2016 | 1 | 100% |
| 2017 | 2 | 100% |
| 2018 | 4 | 100% |
| 2019 | 2 | 100% |
| 2020 | 1 | 100% |
| 2022 | 3 | 100% |
| 2023 | 3 | 100% |
| 2024 | 7 | 100% |
| 2025 | 3 | 0% |
Source: CFPB Consumer Complaint Database
ZINC Financial, Inc., spreads across product buckets
ZINC Financial, Inc.,'s 26 logged complaints stay concentrated: only 6 states show a filing. 76.9% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2016 through 2025-12-07.
ZINC Financial, Inc., answers 88.5% of complaints inside the CFPB's tracked window and closes 84.6% with a written explanation. 3.8% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Vehicle loan or lease" draws the most filings, most often for "Improper use of your report."
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 ZINC Financial, Inc.,.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for ZINC Financial, 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: 26.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 88.5%.
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 ZINC Financial, Inc., (88.5% timely; 3.8% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix