CFPB · Single-product concentration
Zo Financial, Inc.
4 CFPB complaints · 75% in "Debt collection" · top issue Attempts to collect debt not owed.
Zo Financial, Inc.: 75% of 4 CFPB complaints sit in "Debt collection". Timely 50% · relief 0%. Allegations, not findings.
- Single-product concentration
- +100% filings 2022 to 2025
CFPB relief outcome brief
CCDB company zo-financial-inc
0% relief · 50% timely · 4 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Zo Financial, Inc. 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.
Zo Financial, Inc. complaint mix by product
- Debt collection 3 75.0% – 0% relief
- Credit card 1 25.0% – 0% relief
How Zo Financial, Inc.'s 4 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 3 |
| Credit card | 1 |
Where Zo Financial, Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- IL
- 25% of this company's filings
Zo Financial, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2025
- 2
- +100% vs 2022
Top States
| State | Complaints |
|---|---|
| IL | 1 |
| PA | 1 |
| OK | 1 |
| WA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 2 |
| Problem with a purchase shown on your statement | 1 |
| Communication tactics | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2022 | 1 | 100% |
| 2023 | 1 | 100% |
| 2025 | 2 | 0% |
Source: CFPB Consumer Complaint Database
Zo Financial, Inc. filings cluster in one product
Zo Financial, Inc.'s 4 logged complaints stay concentrated: only 4 states show a filing. 50% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2022 through 2025-05-07.
Zo Financial, Inc. answers 50% of complaints inside the CFPB's tracked window and closes 50% 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 "Attempts to collect debt not owed."
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 Zo Financial, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Zo 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: 4.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 50%.
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 Zo Financial, Inc. (50% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration