CFPB Consumer Complaint Profile
Zarvad Iii S.a.
Behind the 151 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 151
- Total complaints
- Mid-range
- 2
- Last 12 months
- 66.2%
- Timely response
- Bottom decile
- 29
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Zarvad Iii S.a. has accumulated 151 complaints, placing it #1092 by volume. It posts a 66.2% on-time response rate, the 5th percentile among companies with 100+ complaints.
- #1092
- of 3,843 companies by volume
- 66.2%
- on time (5th pctile)
- Payday loan, title l…
- most-complained product
- 29
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Zarvad Iii S.a. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
66.2% Among the lowest higher than 5% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 18 |
| 2015 | 17 |
| 2016 | 17 |
| 2017 | 20 |
| 2018 | 29 |
| 2019 | 24 |
| 2020 | 12 |
| 2021 | 7 |
| 2022 | 2 |
| 2023 | 2 |
| 2025 | 1 |
| 2026year in progress | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Zarvad Iii S.a.
Zarvad Iii S.a. carries 151 complaints in the CFPB's database, 2 of them filed within the past 12 months. Consumers spanning 29 states and territories have weighed in, giving this a multi-regional footprint. The single largest complaint category is "Payday loan, title loan, or personal loan," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Charged fees or interest you didn't expect" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against Zarvad Iii S.a. draw a 66.2% reply rate inside the Bureau's 15-day window. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. Consumers formally disputed the company's response at a 24.1% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 0% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Zarvad Iii S.a. have?
151 complaints have been filed against Zarvad Iii S.a. with the CFPB overall - 2 of them in the past year.
Does Zarvad Iii S.a. respond to complaints on time?
CFPB complaints against Zarvad Iii S.a. draw a 66.2% timely-response rate inside the expected window. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Zarvad Iii S.a.?
Among all products tied to Zarvad Iii S.a., "Payday loan, title loan, or personal loan" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Zarvad Iii S.a.?
"Charged fees or interest you didn't expect" is the single most frequently cited issue in complaints against Zarvad Iii S.a. - see all issues and counts above.
How do I file a complaint against Zarvad Iii S.a.?
You can file a complaint against Zarvad Iii S.a. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Zarvad Iii S.a.?
Zarvad Iii S.a. has drawn CFPB complaints from 29 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Zarvad Iii S.a.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (24.1% here).
Also handles Payday loan, title loan, or personal loan
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Zarvad Iii S.a. have?
151 complaints have been filed against Zarvad Iii S.a. with the CFPB overall - 2 of them in the past year.
Does Zarvad Iii S.a. respond to complaints on time?
CFPB complaints against Zarvad Iii S.a. draw a 66.2% timely-response rate inside the expected window. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Zarvad Iii S.a.?
Among all products tied to Zarvad Iii S.a., "Payday loan, title loan, or personal loan" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Zarvad Iii S.a.?
"Charged fees or interest you didn't expect" is the single most frequently cited issue in complaints against Zarvad Iii S.a. - see all issues and counts above.
How do I file a complaint against Zarvad Iii S.a.?
You can file a complaint against Zarvad Iii S.a. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Zarvad Iii S.a.?
Zarvad Iii S.a. has drawn CFPB complaints from 29 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.