CFPB Consumer Complaint Profile
Zenco Collection, LLC
What 72 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 72
- Total complaints
- Mid-range
- 0
- Last 12 months
- 87.5%
- Timely response
- Bottom quartile
- 25
- States affected
The verdict
72 CFPB complaints put Zenco Collection, LLC at #1543 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 87.5%, the 14th percentile for the 100+ complaint peer group.
- #1543
- of 3,843 companies by volume
- 87.5%
- on time (14th pctile)
- Debt collection
- most-complained product
- 25
- 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.
Zenco Collection, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
87.5% Among the lowest higher than 14% 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 |
|---|---|
| 2015 | 15 |
| 2016 | 36 |
| 2017 | 18 |
| 2018 | 1 |
| 2019 | 1 |
| 2021 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Zenco Collection, LLC
Zenco Collection, LLC carries 72 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 25 states and territories have weighed in, giving this a multi-regional footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Taking/threatening an illegal action" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against Zenco Collection, LLC draw a 87.5% reply rate inside the Bureau's 15-day window. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. Resolved cases drew a formal consumer-dispute rate of 11.5% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 1.4% rate.
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 Zenco Collection, LLC have?
Zenco Collection, LLC has 72 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Zenco Collection, LLC respond to complaints on time?
Zenco Collection, LLC has a 87.5% timely response rate to CFPB complaints.
What product generates the most complaints for Zenco Collection, LLC?
The most complained-about product for Zenco Collection, LLC is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Zenco Collection, LLC?
"Taking/threatening an illegal action" is the single most frequently cited issue in complaints against Zenco Collection, LLC - see all issues and counts above.
How do I file a complaint against Zenco Collection, LLC?
You can file a complaint against Zenco Collection, LLC 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 Zenco Collection, LLC?
Zenco Collection, LLC has drawn CFPB complaints from 25 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 Zenco Collection, LLC: 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 (11.5% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Zenco Collection, LLC have?
Zenco Collection, LLC has 72 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Zenco Collection, LLC respond to complaints on time?
Zenco Collection, LLC has a 87.5% timely response rate to CFPB complaints.
What product generates the most complaints for Zenco Collection, LLC?
The most complained-about product for Zenco Collection, LLC is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Zenco Collection, LLC?
"Taking/threatening an illegal action" is the single most frequently cited issue in complaints against Zenco Collection, LLC - see all issues and counts above.
How do I file a complaint against Zenco Collection, LLC?
You can file a complaint against Zenco Collection, LLC 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 Zenco Collection, LLC?
Zenco Collection, LLC has drawn CFPB complaints from 25 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.