Lender · complaint record
Zoa, LLC complaints
Consumers have filed 13 complaints about Zoa, LLC since 2014, none in the last 12 months. It answered 15.4% on time and closed 0% with relief for the customer. The most common problem is incorrect information on your report.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 13
- Last 12 months
- 0
- Answered on time
- 15.4%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- -
Since June 2014
new vs the year before
Industry: 94.7%
Typical lender: 6%
Newest: Aug 15, 2024
Zoa, LLC complaints by month
The busiest month was January 2015 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Zoa, LLC answered all time
- Closed with explanation430.8%
- Untimely response969.2%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Zoa, LLC complaints are about
Top Zoa, LLC problems
Inside "Incorrect information on your report"
- Information belongs to someone else 3
Where Zoa, LLC complaints come from
Most complaints: Texas (6), Missouri (2), Ohio (2), South Carolina (1), Tennessee (1).
Zoa, LLC compared with other personal & payday lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | SoLo FundsPayday & personal loans | 27 | 29 | F |
| 2 | AAA Auto Title LoansPayday & personal loans | 77 | 29 | B |
| 3 | PowerpayPayday & personal loans | 55 | 26 | C |
| 4 | AmeriCashPayday & personal loans | 10 | 26 | F |
| 5 | DLC, LLCPayday & personal loans | 63 | 26 | C |
| 6 | Boost Your ScorePayday & personal loans | 45 | 25 | D |
| 7 | Special FinancingPayday & personal loans | 60 | 25 | C |
| 8 | Zoa, LLCPayday & personal loans | - | 0 | - |
Compare side by side: Zoa, LLC vs SoLo Funds · Zoa, LLC vs AAA Auto Title Loans · Zoa, LLC vs Powerpay · Zoa, LLC vs AmeriCash
What people say about Zoa, LLC
All experiencesNo experiences with Zoa, LLC yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Zoa, LLC complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Aug 15, 2024 | Debt relief & credit repair | Problem with customer service | No timely reply |
| Feb 16, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Apr 30, 2022 | Payday & personal loans | Charged fees or interest you didn't expect | No timely reply |
| Feb 15, 2019 | Payday & personal loans | Was approved for a loan, but didn't receive the money | No timely reply |
| Jan 3, 2019 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | No timely reply |
| Jan 3, 2019 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | No timely reply |
| Dec 26, 2018 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | No timely reply |
| Nov 12, 2015 | Debt collection | Taking/threatening an illegal actionThreatened arrest/jail if do not pay | No timely reply |
| Oct 13, 2015 | Payday & personal loans | Received a loan I didn't apply for | No timely reply |
| Jan 21, 2015 | Payday & personal loans | Charged bank acct wrong day or amt | Explained |
| Jan 20, 2015 | Debt collection | Communication tacticsCalled after sent written cease of comm | Explained |
| Sep 17, 2014 | Payday & personal loans | Can't contact lender | Explained |
Questions about Zoa, LLC
How many complaints does Zoa, LLC have?
Zoa, LLC has 13 complaints on record since June 2014, including 0 in the last 12 months and 0 in the last 30 days.
Does Zoa, LLC respond to complaints?
Yes. Zoa, LLC answered 15.4% 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 Zoa, LLC?
The most common problems are incorrect information on your report (3), problem with customer service (1), attempts to collect debt not owed (1).
Is Zoa, LLC legit?
Zoa, LLC is a real company with a public complaint record: consumers have complained about it 13 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Zoa, LLC legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Zoa, LLC?
Complain to Zoa, LLC 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 Zoa, LLC complaints come from?
Most come from Texas (6), Missouri (2), Ohio (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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