Zenith Financial Network Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/27/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NM 87144	Web
See the letter attached : XXXX/XXXX/2017 Zenith Financial Network ( ZFN & Associates XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX Stop calling me. This has been my number for 17 years. I continue to get calls from ZFN daily at XXXX XXXX. You are looking for someone named " XXXX ''. There is no XXXX at this number and has never been. Every time, and I mean each and every time, your agents call me they are rude and have the nerve to tell me to mind my manners - EXCUSE me XXXX, you are calling me at XXXX XXXX almost every single morning even after I 've wrote your company twice already and am constantly put in the position of having to explain this issue to your collectors who call me. What the XXXX? Are you just XXXX or do you just feel it is within your right to treat people who have no association with you like XXXX? You are the epitome of a bottom-feeder. This is the classic legal definition of harassment. I work at home. The telephone is my tool to do my work. I live with my wife and XXXX minor daughters. My wife and I have never, ever been late on any financial responsibility much less had the need for a collector to contact us. In fact, I am a consumer financial regulatory consultant working in the industry for 26 years. My job is contingent on being financially responsible for which I am required to certify twice annually. I know a thing or XXXX about debt collection laws and your action clearly demonstrate that you are not compliant - ILLEGAL is the accurate word for your business practices! This is my XXXX, and final written warning. This combined with the numerous times I have verbally informed your company of your mistake and continued harassment should be enough even for the most lazy, incompetent slackers who are employed by your company to understand that YOU ARE IN THE WRONG. THIS IS NOT A PLOY TO BE SKETCHY AND AVOID PAYING A DEBT. The actions by ZFN are negatively impacting my quality of life and disrupting my professional responsibilities. Your actions are a clear violation of the FDCPA and TCPA. Consider this a formal, and final, cease and desist notification. In summary, I have explicitly stated on many occasions, both verbally and in writing : I do not know who you are looking for, You have the wrong number, To remove my phone number from your database/list, To stop calling me, That your continued calling is harassment and illegal. By the way, it would be much more convenient for me to call the number listed on your web site XXXX XXXX XXXX ) but the call goes straight to a permanent busy signal. You 're not fooling anyone. This is an intentional effort on your part to evade being contacted.
11/29/2016	No	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	IA 52732	Web
On XXXX/XXXX/XXXX, I was called by a man who asked if I would be at home on XXXX/XXXX/XXXX at XXXX. I told the man I would not be home as I would be working. The man said he was a process server a nd I was being served. I asked if I could meet him somewhere to pick up the documents, he replied no. I asked him if I could contact somebody and he gave me the phone number of XXXX. He said ask for XXXX XXXX. XXXX XXXX identified himself as an attorney for XXXX and immediately accused me of committing fraud, deceptive practice, and that I would be arrested for a debt from XXXX XXXX XXXX for refusal to pay, that was supposedly taken on XXXX/XXXX/XXXX. I informed him I did not recall any debts of that nature. I asked him why have n't I received any notifications of this debt prior to this call? He said Mailings were sent out but they must have been lost in the mail. I asked him if there was any way I could rectify it? He said the debt was for {$970.00}. He would have to talk to his partners to see if anything could be done. XXXX XXXX told me I could settle the debt for one payment {$580.00} or 2 payments of {$320.00}. I asked XXXX XXXX if they had a website? He gave me the " XXXX '' I asked if I can receive a mailed copy of the debt and receipt of payment, he said sure but he would send me an email if I made a payment immediately. After receiving an email. with the letter head of ( XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX XXXX : XXXX ) I called the number and inquired about the debt. The receptionist did not have any records of me owing the debt. I asked her if she knew XXXX XXXX and she did not know who he was either. After alittle more research she said call the number on the website as it may be a sister agency. Upon calling it a receptionist answered and transferred to XXXX in house extension. After another conversation with XXXX XXXX and hearing crying from a child and a female cussing in the background. A payment was agreed upon in an attempt to stop the threatening calls to myself and my father ( received a call from this group ). XXXX XXXX transferred me to a number of XXXX, a XXXX number for a company of ZFN Associates ( ref # XXXX ). On XXXX/XXXX/XXXX I received phone messages ferom XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX As of XXXX/XXXX/XXXX I have not received any mailings regarding this debt or the validation of this debt.
06/24/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	CT 06066	Web
In XXXX 2014 I received a call from ZFN about a very old {$910.00} debt from XXXX 's Jewelers. The agent on the line said they were going to sue me for what I owed. I had just given birth to my son that same month and explained to him that I was on maternity leave and it would be hard for me to start a payment arrangement at that time but I would do so in the future. He told me I could settle or pay some outrageous amount. I said I needed to speak to my husband. XXXX minutes later the same agent called me back and said he talked to his client and he could do XXXX $ down and XXXX $ in XXXX payments. I explained it would be incredibly hard but he was saying I was going to have to pay legal fees if I was sued and that was their next step. So I agreed. I paid the {$150.00} in XXXX. When XXXX came I could not make a {$260.00} payment so I called ZFN. I explained that they pushed me into this agreement and I knew at the time I could not do it but I wanted to pay the debt and I could afford $ XXXX. They told me I was on a hardship agreement which I do n't understand because I was actually paying the EXACT amount I owed plus fees and if I had to change my payments it would have to pay a XXXX $ fee. Like I said I wanted it off my credit so I agreed. XXXX XXXX my husband had XXXX surgery and I was the only XXXX working so I called ZFN to explain that XXXX and XXXX might be hard for me to pay but I would pick right back up after. The rep said he could cancel XXXX to make sure my " debt '' did n't change offices. I said OK but if I ca n't do XXXX to can I call back and cancel that one he said " YES ''. So it is now XXXX I am barely paying current bills since my husband just went back to work and I called to let them know. The rep was rude and basically said to bad I cant help you. I do n't know who you talked to my job is to collect a debt. I explained I had kept up with my payments since XXXX and I really wanted to continue paying it. He basically blew me off and said " yeah and next month it will be something else. '' Then said " I 'll cancel them and you can deal with whatever comes. '' I only owe {$250.00} now I really want to pay it off and the agency basically lied and basically led me to believe they would do something drastic. I have also been paying the agency a XXXX $ processing fee every month for the money they want.
07/13/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32779	Web
XXXX from this place contacted me about a debt that I have no idea what he is talking about. XXXX contacted me today in regards to a debt for XXXX. He said that I have to pay the amount today. He asked me to verify information in which I replied I would not until he told me who he was. I told him if I owed a debt I wanted a written document stating the required information. He stated he could not control the mail system and proceeded to EMAIL this to me. I stated that I wanted a written letter. He would not state the debt verbatium that is supposed to be stated at the beginning of the call. He waited until the end of the call, so glad I did not verify information because of this. He told me I had 48 hours to file a police report. I told him no, once I received written documentation in the mail, I would look into the matter, he stated that he sent letters and nothing had been returned, so I must have received the letter. I informed him that if I received a letter, I would not be asking for one at this time. He then asked how much I could pay today, and again I told him nothing. He asked when my next payday is, which is none of his business. I have included a copy of an email that was sent. He told me to contact him at XXXX, but that number is not listed on this email. I do not know who these people are or what scam they are trying to run, but it needs to stop. ZFN & Associates has made the decision to offer you an opportunity to make acceptable payment arrangements on your account. In order for you to make voluntary restitution, your payment ( s ) in the amount of {$1400.00} is due today, XXXX/XXXX/2016, after receiving this letter. If you fail to comply with the above terms this office will, without further notice, declare the entire balance due and proceed accordingly. You can call us at XXXX between the hours of XXXX and XXXX, EST, Monday and XXXX to XXXX, XXXX, Tuesday through Friday. After hours and weekends we have voice mail to receive any messages. Please refer to the ID number indicated above. This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. ZFN & Associates
03/23/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77006	Web	Servicemember
I have constant calls and voicemails from this company leaving vague, threatening messages. I have been getting these messages and calls for several weeks now. The message states that I have been uncooperative in addressing legal documents, however I have yet to receive anything in the mail related to legal documents, been serves with any legal documents, or had an attorney contact me. The message goes on to state that they will be left with no recourse other than to report my non compliance. The message is very vague, yet threatening. I get a call from them about four times a day, with the same message, or just a hang up. I called today and spoke with two different representatives, who kept avoiding my questions. I asked for the name of the company which the first rep. refused to give me, I asked her for their address and she refused again, she wanted to know why I needed that information, and became argumentative with me for simply asking for their information. The second phone call a man answered and again kept dancing around my questions and speaking over me and would not answer any of my questions. I asked him to remove my phone number and he refused. He said he would send my information over to the county and get it verified, before anything would be done. I made it clear that I wanted to have the phone calls and threatening messages to cease and desist. He argued with me eventually told me that " He could not with me anymore '', when I simply was trying to get information as well as the calls to stop. At one point the man on the phone started to give me an address and cut himself off to give me a different address. After I told him he could also give the other address that he started with, he rudely replied " I know what my job is and what I can and can not do, thanks for letting me know. '' I have several voicemails indicating their deceptive practices, as well as recorded phone calls of the representatives rude unprofessional behavior.
10/28/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 71270	Web
I applied for an installment loan through XXXX XXXX ( XXXX ) close to a year ago and faultered on making regular payments due to medical and family emergencies. XXXX gratiously worked with me but the emergencies persisted and they sent my account for collections to ZFN & Associates, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, ( XXXX ) XXXX. While the representative assigned to my account was very accommodating and understanding her knowledge of recommended avenues to pay were lacking GREATLY! I was sent on a goose chase to find a magical debit card sold at XXXX where I could load more than {$500.00} at a time. My payment was to exceed that amount and to be taken out the next business day. She could not get her mind wrapped around the fact that I could have gotten ANY reloadable card where I could load {$500.00}, then the rest at same register back-to-back. I thought well maybe they ca n't take more than {$500.00} off at a time or something weird, along those lines. Hence, my having to take time off of work, getting chewed out by my boss, burning up the LAST of my gas for the month ( I only get paid once/month ) all to try and find this mythical card that no one at my XXXX has ever heard of ... REALLY??? THEN to top it all off, once I finally informed the lady of my woes she was willing to wait until I got paid for me to get the card. SERIOUSLY!!! THEN I got not 1, not XXXX, not 3, but 4 calls, IN ONE HOUR!!!, from another male agent and a manager at this agency to ask why I had not secured my arrangement with a debit card. Mind you, they had my screen up right before them as they were talking to me having full knowledge of the arrangement I had made with the other agent, AND I HAVE a debit card in my possession, an XXXX Serve Card ; but they do n't take that one! I do not deny the debt I owe with CC but there is NO WAY ZFN & Associates should be this ignorant of how to handle business and people.
11/18/2021	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 92867	Web	Older American
On or about XX/XX/XXXX I was contacted by phone by someone named " XXXX '' from Zenith Financial Network ( ZFN & Associates ). A letter from them is attached. He stated he could resolve a debt of mine from ( or transferred to ) XXXX Credit Card, original debt balance {$9200.00}, and it would be settled for {$1900.00}. I was confused at first, since I had never dealt with or had a credit card with XXXXXXXX XXXX Upon looking through my records, I saw it was the same original debt and same last 4 digits of my card number from XXXX XXXX XXXX XXXX XXXX. That debt had been transferred to XXXX XXXX XXXX XXXX. Back in XX/XX/XXXX, I entered into a court settlement agreement to make monthly payments to XXXX XXXX XXXX XXXX, on behalf of XXXX XXXX. I was paying {$96.00} per month, after a one time payment of {$4000.00}. The balance of the debt as of XX/XX/XXXX was approx {$3000.00}. I told XXXX I was already making payments on this debt. The caller excused himself and said he would look into it. Two days later on XX/XX/XXXX he called back and said in effect that XXXX XXXX had been contacted and if I paid ZFN {$1900.00} everything would be cleared and " go away ''. Reluctantly but wanting to pay the debt off early I agreed to make the payment. In XXXX of this year after the automatic payments to XXXX XXXX stopped coming out of my checking acount, I believed everything was cleared and the matter resolved. Earlier this month of XXXX, I received a notice from XXXX XXXX saying a Judgment was pending against me and that I owed them {$4200.00}. I have now entered into a new agreement with them.
03/15/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 75254	Web
XX/XX/XXXX, I contacted XXXX XXXX XXXX initially to discuss the amount owed and payment options and they advised they couldn't assist me because it had been turned over to collections. On today, XX/XX/XXXX, my husband received a phone call from Zenith Financial Network. He was not listed on my loan application nor was he authorized to speak on my behalf. They notified him that I owe on a payday loan, they gave the exact date from XX/XX/XXXX, how delinquent it is and the amount owed of {$1600.00}. They also tried to obtain payment from my husband during their call and attempted to initiate a settlement with him. The name of the collections company is Zenith Financial Network and their contact number is XXXX. It is my understanding that this is in violated of section 804 of the Fair Debt Collections Practice Act. It is my understanding that they are allowed to call and provide a 3rd party with their contact number or ask how to reach me, but not to provide personal information in regards to my collections account. I also called Zenith Financial Network and advised my husband should have never been contacted. They replied, 'When he answered, he was able to identify your identity '. This is unacceptable practices, no one is authorized to speak on my behalf or to discuss the details of my account other than myself. The account is for myself, XXXX XXXX, but my husband XXXX XXXX was contacted and should NOT have been.
11/13/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CA 925XX	Web
I have been receiving numerous phone calls on my cell phone that shows up on my CID with the name XXXX CA and a phone number of XXXX, which XXXX is my local area code. When I called back the recording said ZFN & Associates. On XX/XX/XXXX I was contacted by ZFN & Associates at my place of employment. A lady named XXXX XXXX stated that I owed a loan for {$4400.00} and it was deposited into my bank ( she knew my bank name ) on XX/XX/XXXX. She wanted my birth date. I told her I do not give out any personal information over the phone and if the debt is true she would have my birth date and I do not nor have I ever took a loan for {$4400.00}. I then told her NOT to call my place of employment. I called my bank and talked to the fraud department and they went through all of XX/XX/XXXX deposits and there was never a deposits for the amount the lady stated. Only deposits received were from my employer. On XX/XX/XXXX I received XXXX more on my cell phone from XXXX CA and also at my place of employment. On XX/XX/XXXX I received XXXX phone calls on my cell from XXXX CA and XXXX at my place of employment. When I called back I told the lady I do not know of this debt and because I have not received a validation of debt that this debt is not valid. Also reminded her to NOT call my place of employment again. Which I 'm sure they will from the search I have done on them. From what I have read this place is a scam.
02/12/2019	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	CO 80033	Web
The agency calls every day. Today I was able to answer the call. The representative XXXX explained who they were, what they were attempting to collect and asked me to verify the last four of my social. I did. I asked for proof or something in writing of what they were collecting. She stated that a letter was already sent out. I asked her to send it again as I never received anything. She asked for my address while I requested her to send it again. I asked her to stop talking over me and she hung up. I called back, explained I was disconnected and this time I was talking to a XXXX. XXXX again explained who they were and what they were attempting to collect. I explained that I wanted something in writing proving what they were collecting and who it was for. She said that she would let the consumer know I was disputing the collection. I told XXXX I was NOT disputing anything but simply wanted something in writing. She started yelling at me, telling me to pay my bills and to stop taking out loans that I can not afford to pay back. She repeated it over and over. I asked her to stop harassing me. She continued to repeat it. She said that she was going to put that I was disputing the claim even though those specific words never came from my mouth. She said she assumed that I wanted to dispute the claim and that she wasn't going to waste her time sending me anything in writing.
11/08/2023	No	Credit reporting or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Billing dispute for services	CO 80537	Web	Older American, Servicemember
Referring back to Claim ID XXXX XXXXXXXX, the company how has switched the number it was using ( XXXX ) to XXXX And how is calling me every day not leaving a message. Is this concerned harassment? Here is a copy of the last complaint " Second time in the past two weeks. I received a call from the following phone XXXX XXXXXXXX leaving a voice message from ZFN and Associates, XXXX XXXX, In the message I needed to return a call to the following phone number XXXX XXXX XXXX. The person I spoke with, referenced a XXXX XXXX XXXXXXXX, XXXX for {$500.00} + and stated that they had been sending me e-mail notices, I told the individual that, E-mailing me notices of past due bills is not the way to collect funds, and if they could send me a paper copy of all information that I would either send this information to the FTC due to my SSN has been hacked during that time frame and is still being watched by the FTC. The first time this same individual said that he was going to forward this call to the supervisor and I was transferred to a voice messaging system. The second time I stated that I wanted to speak to the super and this time put on hold for more than 5minutes. Outside of this conversation, I remember this situation and remember contacting XXXX XXXX XXXXXXXX and they told me on the phone back in XXXX that I have not or do not have an account with them. ''
07/26/2023	No	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	KS 665XX	Web
I received a call from my mother that a debt collector had called her looking for me. She game me the name. I looked it up, found them, and messaged them, as it was the only contact I could find on the website. I told them I didn't owe the debt, it was very old, and under no circumstances were they to contact any of my family members again. The company responded with a generic message about how they want to help me resolve my debt, without responding to my concerns. I then received another call from my mother, they had called her a second time, and this time, told her what the debt was from. This is a clear violation of my privacy as well as my rights under the credit protection act. I messaged again that I wanted them to stop contacting me by phone in addition to stop contacting my family. Then I received a text message from them stating " How can I help you resolve this today so you no longer receive calls about this? - XXXX XXXX XXXX. Clearing admitting that they had no intention of respecting my wishes of not being contacted by phone. This is harassment and it is unacceptable! I also never received anything in writing from this company regarding this debt, the website however says I can not dispute it with them.
10/07/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	SC 29588	Web
I get repeated calls from several numbers and have been trying to track who exactly is trying to collect a debt. Apparently they say the company 's name is ZFN & Associates. They say to call XXXX back on the voicemail but a XXXX is on the caller ID. Finally, this morning XX/XX/2021 at XXXX XXXX I call them back to get the name of the company, of course, they talk extremely fast and I politely asked for whoever answered the phone to spell the company name. He was EXTREMELY RUDE and hung up on me. After researching ZFN & Associates I see they are connected with XXXX XXXX XXXX XXXX XXXX. I never confirmed whether I was who they were looking for. I wanted to send them a cease communication letter because I do not want them to call my phone number or anyone associated with me EVER again over the phone. I rather this company communicate with me through the mail, but after today I do not want any communication because they are rude and I will not do business with anyone or a company that doesn't know how to properly communicate with people. I do not acknowledge whether or not the debt they are collecting is mine, or not. But they need to be shut down. It's absurd and they should have another line of business.
08/16/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 91752	Web
Received call from XXXX XXXX XXXX representative stating I did not pay for the loan that was taken out on XX/XX/2018. I have previously taken payday loans from this company and have paid for all of them but this one was not me. I did not receive any emails or notification that a loan was taken out and I checked my bank account and funds were not deposited into my account. I logged in to the website and the bank account associated to my account is not mine. I don't know how it was changed and advised the representative that this was fraud. They advised me to log into a website to submit a fraud request which I did. Within a week I received fraud paperwork which I filled out and send to them. On XX/XX/18 I received a communication from XXXX XXXX XXXX advising that this debt is now been acquired by another company and I am now receiving collection calls from a debt collection agency. I contacted XXXX XXXX XXXX on XX/XX/18 and advised I had opened a fraud case and of the communication I had received and they advised me they would have a fraud representative contact me in 48 hours. I have not received anything from them and continue to receive phone calls.
11/18/2020	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NV XXXXX	Web
I was called by Zenith Financial Network and Associates about an old debt by the associate XXXX XXXX. I was threatened with being sued and the seizure of my property if I did not agree to pay right away on XX/XX/2020. I explained that I wanted validation of the debt as well as to view the contract saying I owed the money to them. I was presented with a letter that did not contain any of this information, or options to pay off the debt. I have emailed back asking for the validation again but have gotten no response. Also, They are not answering phones at the number given to me to call back. The person on the line was very rude and pressuring me to pay as soon as possible or threatened i would be sued if i did not make an arrangement that very moment yesterday. I explained to him that I was at work and did not have time allotted for personal calls but he would not get off the line and email me the information I had requested. He told me if i did not call back yesterday they would sue me.
12/08/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	CA 92694	Web
I was contacted by this company that I do not recognize. I told them that I dispute this debt and it had been paid in full years ago. They sent me a letter saying its a valid debt. No backup from the original creditor nor the other company they subposably purchased it from. They continue to call early in the morning ( before XXXX ) and even on XXXX. They threaten litigation and say that I 'm a dead beat that does not pay my bills. Even after I told them it was paid. They continue to fail to provide proof that they even have a relationship with the original creditor or provide any assignments. This morning they called and were verbally abusive and made threats again in damaging my credit and litigation on top of calling me every name in the book. I told them that they were in violation of the XXXX act and they said they did not care. They even said that the debt would be reported on my credit report multable times.This debt is paid in full and is disputed.
03/31/2017	No	Debt collection Payday loan	False statements or representation Attempted to collect wrong amount	CO 80602	Web
On XX/XX/2017 debt collector tried to run my credit card for more than they were authorized to run it for. This is a debt for my husband that they called me looking for payment. I authorized them to collect {$240.00} on Monday, XX/XX/XXXX. The payment was not run until Tuesday, XX/XX/XXXX at which point an interest payment from the credit card company was run. When XXXX called me to let me know the payment did n't go through I told her to run it again Friday. She told me that " they '' only gave her until Thursday to collect and wanted me to pay something that day. I told her I would be able to pay Friday. This morning, Friday, I woke to find that at XXXX she tried to run the card for {$270.00}. Not a huge amount but if they are doing this to other people it adds up. She also told me there was no way to pay other than making a payment over the phone. I just went on their website and made a payment using their online system.
03/16/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 92867	Web	Older American
I filed a previous complaint # XXXX. This was concerning a debt payoff to ZFN & Associates last year ( Account # XXXX ) that was mistakenly paid to them on a debt being paid through court settlement. Zenith Financial 's response on XX/XX/22 was " Our client has not responded in a timely manner, therefore we are mailing the consumer a refund of {$1500.00}. '' I have made multiple attempts to their Compliance Dept to find out the status of this refund. The only call backs I have received ( one in XXXX, one in XXXX ) were to tell me the refund would be going out the following week. At one point around XX/XX/22, an employee stated that " we have reached out to the president of the company. He is currently on vacation, but when he returns next week he will personally send out a check ''. To date, this has not happened.
02/21/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 922XX	Web
ZENITH FINANCIAL NETWORK INC, ALSO ZFN AND ASSOCIATES ARE TRYING TO COLLECT FOR XXXX XXXX. ZFN CONTACTED MY MOTHER AND GAVE HER INFORMATION ABOUT MY DEBT, THEY TOLD HER THEY WERE GOING TO TAKE ME TO COURT IF I DIDN'T PAYED WHAT I OWED. SHE TOLD THEM TO STOP CALLING AND THEY KEEP ON CALLING, THEY SENT HER A TEXT MESSAGE AS WELL. I NEVER USED HER AS A REFERENCE, I DO NOT UNDERSTAND WHY THEY CALL HER. I CALLED THE COMPANY TODAY AND I STATED THAT I HAD NO MONEY AND THEY NEEDED TO STOP CALLING ME AND MY MOTHER, THE LADY I SPOKE WITH SAID THAT SHE WAS GOING TO KEEP CALLING ME EVERY DAY AND THAT I NEEDED TO ASK SOMEONE FOR MONEY TO PAY, THAT THE MONEY WASN'T GIVEN TO ME FOR FREE, I TOLD HER TO STOP CALLING ME AND SHE SAID NO, WHEN I TOLD HER THAT ACCORDING TO THE FDCPA RULES SHE HAD TO STOP CALLING ME, SHE HUNG UP.
06/16/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 19053	Web
First of all, every call comes up as scam likely. When I get a voicemail, it's from " XXXX '' and she says she needs to speak with me about something involving collateral. I have absolutely no collateral! I checked my credit report with different credit bureaus, none of them have any record of me being linked to the company " XXXX '' claims to be from. I have never gotten an email or snail mail notice from this company. The voicemails always say a " matter '' and are NEVER detailed. I have gotten calls from legitimate debt collectors who always provide necessary detail. The cherry on top is that every single time it is a different number calling me, and the number they leave as a call back number is different too! Please leave me alone, I'm tired of the scam.
11/09/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	CA 91784	Web	Older American
This activity is still controlled by XXXX XXXX XXXX that made the illegal usury unlicensed high interest rate to me, I have paid them {$2700.00} on a one year account of {$2500.00} of 1000 %, XXXX XXXX gave this account to their affiliate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Who in return gave the illegal activity to another affiliate XXXX XXXX XXXX # XXXX these companies do not have the legal right to collect usury interest rate accounts and these companies do not have a license to collect XXXX interest rates that are designed to prey and take advantage of old people, they are not licensed by the Ca .Department of Business Oversight or the CFPBThanksC/C XXXX XXXX attorney general state of Ca. C/C XXXX XXXX -Attorney General State Of CA.
04/21/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76119	Web
The initial call was received on my cell phone from a local number XXXX. Needless to say this company is Florida using local number. I then received a call at my desk and spoke with XXXX XXXX asking me to verify my date of birth. I proceeded to ask XXXX for her address so that I could send them something in writing asking not to be contacted at work. She said he could take of that however I still plan to mail a letter today requesting that all contact cease. Shortly after I hung up with XXXX my co-worker brought me a message from a guy that refused to give him his name, however he said the guy was really rude and requested that I call him back at XXXX. Yet another local number for a Florida company.
08/03/2022	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 92867	Web	Older American
On or about XX/XX/XXXX, Zenith Financial Network Inc contacted me by phone about settling a refund I was due from them concerning a prior CFPB complaint that I filed. The compliance manager XXXX offered to pay the {$1500.00} refund in two installments one month apart. She assured me the transaction would go through, and I agreed to the terms. About XX/XX/XXXX I did receive {$750.00} from the company. Because of this, I was expecting the remainder of the refund to follow. After several phone calls, and correspondence ( XX/XX/XXXX ) I sent them, I have received no response about the status of the second installment.
11/11/2023	No	Debt collection Telecommunications debt	Written notification about debt Didn't receive enough information to verify debt	GA 30094	Web
I keep getting calls from a Zenith Debt Management. They tell me to log into the Website to view my balance and make a payment but I don't know if they have a legitime claim to the debt or if they were working on behalf of my creditor. There is no place to dispute it, and when I close the page for that lack of information I get texts from them asking me why I didn't. At one point I told them I wasn't sure if the debt was legitimate, and they told me that because I verified my info to view the debt it was. Now because I couldn't verify the debt they're threatening legal action against me.
05/05/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	KS 66062	Web
I get several calls from this company who have some not all of my personal identification information. They claim I owe this debt and demand payment. When I ask for mailing address and/or validation, the reps offer an email. I state that I would like validation mailed, the XXXX lady said, no we will email that to you, how are you going to pay this in the meantime. I stated that she was violating the law and I was reporting the call, she laughed, and said, we do n't have to comply with the law, good luck with that.
11/20/2023	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91706	Web
I have been receiving calls from Zenith debt colector saying that I owe money from a loan from check and go. I have never got a loan from that company. Also I requested the debt collector to give me more information on that claim. I asked them to tell me when that loan happenned and they wouldn't give me that information and they hang up on me! I explained to them that i never got any loan from check and go and i told them i can not for an account that is not mine.
11/10/2023	No	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	GA 30324	Web
I've received approx. 12 calls from this company in one day. After I spoke with 2 people today, Friday XX/XX/23 and requested the mailing address so that I can send a validation of debt, my request was denied. I also asked the name of the creditor or merchant of this said debt ( NOT the bank the supposed credit card was issued by ) and that information was not provided either. I have never received any notification from this company via mail, either.
04/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	CO 80003	Web
called me yesterday from a local number when the company is an out of state company told me I ether had to pay in full to day or start my monthly payments this month told them I could not start till a week from Friday and was told id have to pay in full today or pay in payments XXXX times a month with no other option it is to be believed the company is a scam company website looks fake called me from a local number when there out of state in Florida
10/23/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78245	Web
Zenith Debt Collectors is engaging in harassments. i have had my current phone number since around XXXX since then i have gotten the occasional collector for the old owner but in the last few weeks Zenith has ramped this effort into almost multiple calls daily. I have explained this to them before and im still on the list somehow. i just want them to stop calling me. and its the same automated message each time so i know its them.
05/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	FL 33033	Web
Recieved a call from a lady name XXXX earlier in the week and she stated I owe a debt with XXXX XXXX and gave me the price of the alleged debt owed. She stated legal actions will be taken against me is debt was not paid. She Call today about the debt but this time it was a different amount. I googled the company and read that people were scamed by this company ZFN & Associates. The number she used to called my cell is XXXX
11/14/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30076	Web
They call from different numbers. I have spoken with several reps requesting they stop calling me but the calls will not stop. Numbers they call me from : XXXX Call List : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX # XXXX I delete the rest of my call history prior to making this report. The calls come every couple of days. The automated system states it is XXXX XXXX and she needs me to call her back @ XXXX
11/06/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	CA 93012	Web
XXXX and XXXX representatives have been repeatedly calling me and everyone I had listed as references on their application, friends and family, calling them repeatedly, even after they said to stop calling, but continue to call XXXX times daily since XXXX XXXX, 2015. They have also inappropriately shared sensitive information to these XXXX parties.
04/17/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 95682	Web
ZFN and Associates keep calling several times a day to the house phone and my cell phone. They called from different phone numbers. List of phone numbers they used, XXXX XXXX and XXXX. Informed ZFN and Associates to communicate with me in writing and to stop calling. That was 2 to 3 week ago and as of today XX/XX/2019, they keep calling.
05/21/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NY 128XX	Web
VFN and associates has been calling my place of employment regarding my debt I work at a funeral home which is not appropriate they have called multiple times in a row sometimes 2x in less than 5 minutes. I am working with the debt consolidation company beyond and they need to be called. This happened just today XX/XX/19
02/22/2017	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 28311	Web
These people are repeatedly calling me without leaving a message as to whom they are. I only found out they are a debt collection agency by calling their number and hearing a recorded message. The one time I did answer, the lady just said my first name but did not announce who she was or whom she was with.
10/22/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	CA 91784	Web	Older American
I have paid these people over {$3000.00} on a XXXX acount they say I still owe them {$1500.00} ..I told them that I live on social security and can not pay the illegal usury interest rate of 1000 % .I am XXXX old. this guy would not give me his name but he at XXXX XXXX. on XXXX/XXXX/2015
10/05/2016	No	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	CA 91701	Web
Every day a ZFN and Associates call my previous work number demanding to speak with me regarding a legal matter. They call from a local number XXXX XXXX XXXX even though they are based out of florida. They do not speak with me and disclose info to an employee at my previous employer
03/01/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 91701	Web
Continually receive calls to my work at a desk number I no longer sit at. No messages left but if someone answers they are told something about serving a summons. I have never received paperwork from this company. Company is located in FL but is spoofing and using a local number
02/06/2017	No	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TX 76020	Web
They have called and not left a message 4 times today alone. Three calls from XXXX and once from XXXX. When I called both numbers back and complained about their harassment, they got verbally aggressive and loud talking over me and then hung up on me.
08/12/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	OK 74021	Web
I have asked XXXX XXXX XXXX 3 times not to call my work # but they continue to call me daily. I have not answered the last couple times. I risk facing disciplinary action from my employer for personal phone calls or avoiding incoming calls.
07/06/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC XXXXX	Web
I have a letter from the company stating that my payment at XX/XX/2017 was going to be {$110.00} and I was charged {$120.00}. I have copies of the charge on my bank account and also a copy of the letter that the company sent me.
11/08/2023	No	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	FL 32225	Web	Servicemember
The company is calling 8-10 times a day and last night called me at XXXX Central time ( my timezone ). The number is a Virginia number meaning it was XXXX their time. This keeps happening and it is becoming harassment.
09/13/2016	No	Debt collection Payday loan	Improper contact or sharing of info Contacted me after I asked not to	CA 92129	Web
I have been contacted by ZFN associates on multiple times before XXXX. These calls are coming from XXXX as recent as Tuesday XXXX XXXX, 2016 at XXXX PST.
09/27/2023	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 238XX	Web
The debt in question is over twelve years old. This debt is time barred and Wall pass the statue of limitation for the state of Virginia.
03/06/2017	No	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 77477	Web
this company zfn and associates have been threaten me to go to jail also have faxed my job asking for my routing and bank account
11/08/2023	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48183	Web

12/11/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 76015	Web

11/28/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85204	Web

05/07/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CO 80004	Phone

04/02/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CA 92120	Web

11/16/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	TN 37415	Web

09/01/2017	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop		Web

04/20/2017	Yes	Payday loan	Can't contact lender	TN 37415	Web

04/12/2017	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	AL 35209	Phone

04/03/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94564	Fax

02/20/2017	No	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	AR 72472	Web

08/24/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	NM 88130	Web

05/06/2016	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	SC 29053	Phone	Servicemember

03/18/2016	No	Debt collection Payday loan	Communication tactics Threatened to take legal action	SC 29702	Phone

03/04/2016	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	CA 91780	Web

12/11/2015	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	CA 91935	Web	Servicemember

08/21/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	MO 63146	Web

05/14/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	CA 91744	Phone

02/12/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 21869	Phone

01/28/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	HI 96813	Web

12/05/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95838	Web

12/04/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95838	Web

11/26/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37737	Web

11/24/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95838	Web

11/18/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	FL 32514	Web	Servicemember

11/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 95422	Phone

09/24/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75007	Web

08/21/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	GA 30019	Referral

07/04/2014	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	FL 33160	Web

06/24/2014	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	MI 49448	Web

05/07/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	VA 20112	Web

04/23/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	PA 18255	Web

04/10/2014	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	CA 92647	Web

03/04/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MA 02188	Web

02/21/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 75961	Web

02/18/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NJ 07740	Web

12/02/2013	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 78552	Phone