Zoa, LLC
13 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Zoa, LLC complaint mix by product
- Debt collection 4 30.8% – 0% relief
- Payday loan 3 23.1% – 0% relief
- Credit reporting, 3 23.1% – 0% relief
- Payday loan, 2 15.4% – 0% relief
- Debt or 1 7.7% – 0% relief
How Zoa, LLC's 13 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 4 |
| Payday loan | 3 |
| Credit reporting, credit repair services, or other personal consumer reports | 3 |
| Payday loan, title loan, or personal loan | 2 |
| Debt or credit management | 1 |
Top States
| State | Complaints |
|---|---|
| TX | 6 |
| MO | 2 |
| OH | 2 |
| SC | 1 |
| VA | 1 |
| TN | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 3 |
| Problem with customer service | 1 |
| Taking/threatening an illegal action | 1 |
| Received a loan I didn't apply for | 1 |
| Can't contact lender | 1 |
| Charged bank acct wrong day or amt | 1 |
| Communication tactics | 1 |
| Improper contact or sharing of info | 1 |
| Was approved for a loan, but didn't receive the money | 1 |
| Charged fees or interest you didn't expect | 1 |
| Attempts to collect debt not owed | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 2 | 0% |
| 2015 | 4 | 50% |
| 2018 | 1 | 0% |
| 2019 | 3 | 0% |
| 2022 | 1 | 0% |
| 2023 | 1 | 0% |
| 2024 | 1 | 0% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Zoa, LLC
Zoa, LLC's 13 logged complaints stay concentrated: only 6 states show a filing on record. Only 30.8% of filings carry a written consumer narrative, so most of this record is coded categories rather than the verbatim complaint text. Records run from 2014 through 2024-08-15.
Zoa, LLC answers 15.4% of complaints inside the CFPB's tracked window and closes 30.8% 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 "Incorrect information on 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 Zoa, LLC.
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.
Frequently Asked Questions
How many CFPB complaints does Zoa, LLC have?
13, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Zoa, LLC respond to complaints on time?
15.4% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Zoa, LLC?
"Incorrect information on your report", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.