CFPB Consumer Complaint Profile
Zoa, LLC
Consumers have filed 13 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 13
- Total complaints
- Below average
- 0
- Last 12 months
- 15.4%
- Timely response
- Bottom decile
- 6
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Zoa, LLC has accumulated 13 complaints, placing it #3408 by volume. It posts a 15.4% on-time response rate, the 1st percentile among companies with 100+ complaints.
- #3408
- of 3,843 companies by volume
- 15.4%
- on time (1st pctile)
- Debt collection
- 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.
Zoa, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
15.4% Among the lowest higher than 1% 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 | 2 |
| 2015 | 4 |
| 2018 | 1 |
| 2019 | 3 |
| 2022 | 1 |
| 2023 | 1 |
| 2024 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Zoa, LLC
13 complaints against Zoa, LLC appear in the CFPB record, including 0 from the trailing year. The 6 states and territories represented put this footprint in geographically concentrated territory. 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, "Incorrect information on your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Zoa, LLC's timely response rate stands at 15.4%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. Resolved cases drew a formal consumer-dispute rate of 16.7% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 0%.
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 Zoa, LLC have?
Zoa, LLC has 13 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Zoa, LLC respond to complaints on time?
Zoa, LLC's CFPB timely-response rate is 15.4%. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Zoa, LLC?
The most complained-about product for Zoa, LLC is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Zoa, LLC?
"Incorrect information on your report" is the single most frequently cited issue in complaints against Zoa, LLC - see all issues and counts above.
How do I file a complaint against Zoa, LLC?
You can file a complaint against Zoa, 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 Zoa, LLC?
The CFPB has recorded complaints against Zoa, LLC from 6 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Zoa, 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 (16.7% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Zoa, LLC have?
Zoa, LLC has 13 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Zoa, LLC respond to complaints on time?
Zoa, LLC's CFPB timely-response rate is 15.4%. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Zoa, LLC?
The most complained-about product for Zoa, LLC is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Zoa, LLC?
"Incorrect information on your report" is the single most frequently cited issue in complaints against Zoa, LLC - see all issues and counts above.
How do I file a complaint against Zoa, LLC?
You can file a complaint against Zoa, 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 Zoa, LLC?
The CFPB has recorded complaints against Zoa, LLC from 6 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.