CFPB · Diversified product mix
Zoa, LLC
13 CFPB complaints · diversified mix (top product 30.8%) · top issue Incorrect information on your report.
Zoa, LLC: top product "Debt collection" is only 30.8% of 13 - multi-bucket mix. Timely 15.4% · relief 0%. Allegations, not findings.
- Diversified product mix
- -50% filings 2014 to 2024
CFPB relief outcome brief
CCDB company zoa-llc
0% relief · 15.4% timely · 13 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Zoa, LLC closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 13 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
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 |
Concentrated filing states for Zoa, LLC
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 46.2% of this company's filings
Zoa, LLC falling annual filings
Annual filing volume from the CFPB public database
- 2024
- 1
- -50% vs 2014
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
Zoa, LLC spreads across product buckets
Zoa, LLC's 13 logged complaints stay concentrated: only 6 states show a filing. Only 30.8% of filings carry a written consumer narrative, so most of this record is coded categories rather than 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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Zoa, LLC: 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: 13.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 15.4%.
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 Zoa, LLC (15.4% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix