CFPB Consumer Complaint Profile
ZINC Financial, Inc.,
What 26 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
- 26
- Total complaints
- Mid-range
- 3
- Last 12 months
- 88.5%
- Timely response
- Bottom quartile
- 6
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, ZINC Financial, Inc., sits at #2538, with 26 complaints logged. Its on-time response rate is 88.5%, the 16th percentile among companies with 100+ complaints.
- #2538
- of 3,843 companies by volume
- 88.5%
- on time (16th pctile)
- Vehicle loan or lease
- most-complained product
- 6
- 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.
ZINC Financial, Inc., vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
88.5% Among the lowest higher than 16% 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 |
|---|---|
| 2016 | 1 |
| 2017 | 2 |
| 2018 | 4 |
| 2019 | 2 |
| 2020 | 1 |
| 2022 | 3 |
| 2023 | 3 |
| 2024 | 7 |
| 2025 | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for ZINC Financial, Inc.,
26 complaints against ZINC Financial, Inc., appear in the CFPB record, including 3 from the trailing year. The 6 states and territories represented put this footprint in geographically concentrated territory. "Vehicle loan or lease" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Improper use of your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
ZINC Financial, Inc.,'s timely response rate stands at 88.5%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. The company's response carried a 0% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 3.8% 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 ZINC Financial, Inc., have?
The CFPB has logged 26 complaints against ZINC Financial, Inc., to date, of which 3 came in over the last 12 months.
Does ZINC Financial, Inc., respond to complaints on time?
CFPB complaints against ZINC Financial, Inc., draw a 88.5% timely-response rate inside the expected window.
What product generates the most complaints for ZINC Financial, Inc.,?
The most complained-about product for ZINC Financial, Inc., is "Vehicle loan or lease." You can view the full product breakdown on this page.
What is the most common complaint issue with ZINC Financial, Inc.,?
The most common issue reported by consumers about ZINC Financial, Inc., is "Improper use of your report." All complaint issues are listed above with their counts.
How do I file a complaint against ZINC Financial, Inc.,?
You can file a complaint against ZINC Financial, Inc., 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 ZINC Financial, Inc.,?
Consumers in 6 states and territories have filed complaints about ZINC Financial, Inc., with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for ZINC Financial, Inc.,: 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 (0% here).
Also handles Vehicle loan or lease
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does ZINC Financial, Inc., have?
The CFPB has logged 26 complaints against ZINC Financial, Inc., to date, of which 3 came in over the last 12 months.
Does ZINC Financial, Inc., respond to complaints on time?
CFPB complaints against ZINC Financial, Inc., draw a 88.5% timely-response rate inside the expected window.
What product generates the most complaints for ZINC Financial, Inc.,?
The most complained-about product for ZINC Financial, Inc., is "Vehicle loan or lease." You can view the full product breakdown on this page.
What is the most common complaint issue with ZINC Financial, Inc.,?
The most common issue reported by consumers about ZINC Financial, Inc., is "Improper use of your report." All complaint issues are listed above with their counts.
How do I file a complaint against ZINC Financial, Inc.,?
You can file a complaint against ZINC Financial, Inc., 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 ZINC Financial, Inc.,?
Consumers in 6 states and territories have filed complaints about ZINC Financial, Inc., with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.