Debt collector · complaint record
Zo Financial complaints
Filed under Zo Financial, Inc.
Consumers have filed 4 complaints about Zo Financial since 2022, none in the last 12 months. It answered 50% on time and closed 0% with relief for the customer. The most common problem is attempts to collect debt not owed.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 4
- Last 12 months
- 0
- Answered on time
- 50%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- -
Since December 2022
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: May 7, 2025
Zo Financial complaints by month
The busiest month was December 2022 (1 complaint). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Zo Financial answered all time
- Closed with explanation250%
- Untimely response250%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Zo Financial complaints are about
Top Zo Financial problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 1
- Debt was result of identity theft 1
Where Zo Financial complaints come from
Most complaints: Illinois (1), Oklahoma (1), Pennsylvania (1), Washington (1).
Zo 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 | Zo FinancialDebt collection | - | 0 | - |
Compare side by side: Zo Financial vs Green Square · Zo Financial vs EMoneyUSA · Zo Financial vs Mullooly Jeffrey Rooney & Flynn · Zo Financial vs Credit World Services
What people say about Zo Financial
All experiencesNo experiences with Zo Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Zo Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| May 7, 2025 | Credit cards | Problem with a purchase shown on your statementCard was charged for something you did not purchase with the card | No timely reply |
| Apr 19, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Apr 11, 2023 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Dec 4, 2022 | Debt collection | Communication tacticsCalled before 8am or after 9pm | Explained |
Questions about Zo Financial
How many complaints does Zo Financial have?
Zo Financial has 4 complaints on record since December 2022, including 0 in the last 12 months and 0 in the last 30 days.
Does Zo Financial respond to complaints?
Yes. Zo Financial answered 50% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Zo Financial?
The most common problems are attempts to collect debt not owed (2), communication tactics (1), problem with a purchase shown on your statement (1).
Is Zo Financial legit?
Zo Financial is a real company with a public complaint record: consumers have complained about it 4 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Zo Financial legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Zo Financial?
Complain to Zo 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 Zo Financial complaints come from?
Most come from Illinois (1), Oklahoma (1), Pennsylvania (1). 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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