Debt collector · complaint record
ZINC Financial complaints
Filed under ZINC Financial, Inc.,
Consumers have filed 26 complaints about ZINC Financial since 2016, 1 of them in the last 12 months. It answered 0% on time and closed 4% with relief for the customer. The most common problem is written notification about debt.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 26
- Last 12 months
- 1
- Answered on time
- 0%
- Closed with relief
- 4%
- Last 30 days
- 0
- Rank
- #1,510 of 1,963
Since October 2016
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Dec 7, 2025
Most complained-about debt collectors
ZINC Financial complaints by month
The busiest month was February 2024 (4 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How ZINC Financial answered all time
- Closed with monetary relief13.8%
- Closed with explanation2284.6%
- Untimely response311.5%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What ZINC Financial complaints are about
Top ZINC Financial problems
Inside "Improper use of your report"
- Reporting company used your report improperly 5
Where ZINC Financial complaints come from
Most complaints: California (15), Ohio (4), Pennsylvania (2), Arizona (2), Louisiana (1).
ZINC Financial compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Green SquareDebt collection | 10 | 25 | F |
| 2 | EMoneyUSADebt collection | 53 | 25 | C |
| 3 | Mullooly Jeffrey Rooney & FlynnDebt collection | 56 | 25 | C |
| 4 | Credit World ServicesDebt collection | 47 | 25 | D |
| 5 | Keynote ConsultingDebt collection | 10 | 25 | F |
| 6 | Augusta Collection AgencyDebt collection | 10 | 25 | F |
| 7 | Advance Bureau of CollectionsDebt collection | 19 | 25 | F |
| 8 | ZINC FinancialDebt collection | - | 1 | - |
Compare side by side: ZINC Financial vs Green Square · ZINC Financial vs EMoneyUSA · ZINC Financial vs Mullooly Jeffrey Rooney & Flynn · ZINC Financial vs Credit World Services
What people say about ZINC Financial
All experiencesNo experiences with ZINC Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest ZINC Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Dec 7, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | No timely reply |
| Oct 19, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Sep 12, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Mar 22, 2024 | Auto loans & leases | Problems at the end of the loan or leaseUnable to receive car title or other problem after the loan is paid off | Explained |
| Mar 19, 2024 | Auto loans & leases | Problems at the end of the loan or leaseUnable to receive car title or other problem after the loan is paid off | Explained |
| Feb 14, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Feb 14, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Feb 1, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Feb 1, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jan 29, 2024 | Auto loans & leases | Managing the loan or leaseLoan sold or transferred to another company | Explained |
| Jul 19, 2023 | Auto loans & leases | Struggling to pay your loanLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Jun 4, 2023 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
Questions about ZINC Financial
How many complaints does ZINC Financial have?
ZINC Financial has 26 complaints on record since October 2016, including 1 in the last 12 months and 0 in the last 30 days. That makes it number 3,042 of every company by complaints this year.
Does ZINC Financial respond to complaints?
Yes. ZINC Financial answered 0% of its complaints on time (within 15 days) and closed 4% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with ZINC Financial?
The most common problems are written notification about debt (1), improper use of your report (5), trouble during payment process (4).
Is ZINC Financial legit?
ZINC Financial is a real company with a public complaint record: consumers have complained about it 26 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is ZINC Financial legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against ZINC Financial?
Complain to ZINC Financial in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most ZINC Financial complaints come from?
Most come from California (15), Ohio (4), Pennsylvania (2). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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