Companies › Payday loan, title loan, or personal loan
Who is complaining aboutZARVAD III S.A.?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
Complaints, last 12 months
4
1 in the 12 months before · 153 since 2014 · under 0.1% of all complaints the CFPB received
For its size
No public size denominator
This company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, so its count cannot be scaled here. Read the count with the company's customer base in mind.
Consumers sent the Consumer Financial Protection Bureau 4 complaints about ZARVAD III S.A. in the 12 months to 30 Sep 2026, up 300% on the 1 of the 12 months before. The database holds 153 complaints about the company going back to 2014.
ZARVAD III S.A. could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, so its complaint count cannot be set against its size here. A company with more customers can be expected to receive more complaints than one with fewer.
41.2% of the complaints on file fall under the CFPB product category “Payday loan, title loan, or personal loan”, followed by “Debt collection” at 35.3%. The issue selected most often was “Charged fees or interest you didn't expect” (16.3%).
How the company's responses were recorded across all years: 94.8% closed with an explanation, 0% closed with non-monetary relief, 0% closed with monetary relief. 65.4% of responses were marked timely.
A complaint is a consumer's account and is not a finding against the company. The CFPB does not verify every allegation in a complaint before publishing it.
Windows end on 30 Sep 2026, the last date in the CFPB file. The latest two to three weeks are incomplete because a complaint is published only after the company responds or 15 days pass.
Compared with peer companies
Too few companies share this company's main complaint category for a peer median. Nationally, 99.6% of responses were marked timely and 31.6% of closed complaints ended with monetary or non-monetary relief; for this company the figures are 65.4% and 0%.
Complaints by month
What the complaints are about
Products and issues are the categories the consumer selects on the CFPB form, shown with the CFPB's wording, since 2011.
- Payday loan, title loan, or personal loan63 · 41.2%
- Debt collection54 · 35.3%
- Payday loan34 · 22.2%
- Payday loan, title loan, personal loan, or advance loan1 · 0.7%
- Consumer Loan1 · 0.7%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 25 | 16.3% |
| Communication tactics | 20 | 13.1% |
| Struggling to pay your loan | 13 | 8.5% |
| Charged fees or interest I didn't expect | 12 | 7.8% |
| Can't stop charges to bank account | 9 | 5.9% |
| Can't stop withdrawals from your bank account | 8 | 5.2% |
| Took or threatened to take negative or legal action | 7 | 4.6% |
| Received a loan you didn't apply for | 6 | 3.9% |
| Can't contact lender | 6 | 3.9% |
| Cont'd attempts collect debt not owed | 5 | 3.3% |
| Other CFPB issue categories | 42 | 27.5% |
Payday loan, title loan, or personal loan
63 complaints since 2011 (41.2% of this company's total). That is 0.2% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 25 | 39.7% |
| Struggling to pay your loan | 13 | 20.6% |
| Can't stop withdrawals from your bank account | 8 | 12.7% |
| Received a loan you didn't apply for | 5 | 7.9% |
| Can't contact lender or servicer | 5 | 7.9% |
| Other CFPB issue categories | 7 | 11.1% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Payday loan | 59 | 93.7% |
| Installment loan | 3 | 4.8% |
| Pawn loan | 1 | 1.6% |
Debt collection
54 complaints since 2011 (35.3% of this company's total). That is under 0.1% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Communication tactics | 20 | 37% |
| Took or threatened to take negative or legal action | 7 | 13% |
| Cont'd attempts collect debt not owed | 5 | 9.3% |
| Improper contact or sharing of info | 5 | 9.3% |
| False statements or representation | 4 | 7.4% |
| Other CFPB issue categories | 13 | 24.1% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Payday loan debt | 29 | 53.7% |
| Payday loan | 22 | 40.7% |
| I do not know | 2 | 3.7% |
| Other debt | 1 | 1.9% |
Payday loan
34 complaints since 2011 (22.2% of this company's total). That is 0.6% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Charged fees or interest I didn't expect | 12 | 35.3% |
| Can't stop charges to bank account | 9 | 26.5% |
| Can't contact lender | 6 | 17.6% |
| Received a loan I didn't apply for | 3 | 8.8% |
| Charged bank acct wrong day or amt | 2 | 5.9% |
| Other CFPB issue categories | 2 | 5.9% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Other or no sub-product recorded | 34 | 100% |
How the company responded
The CFPB records one closing category for each complaint, chosen by the company. Shares are of all complaints since 2011.
- Closed with explanation145 · 94.8%
- Untimely response5 · 3.3%
- Closed3 · 2%
The current CFPB export carries no consumer-disputed field, so no disputed rate is shown. The CFPB stopped collecting that field in April 2017.
Where the complaints come from
| State (as reported by the consumer) | Complaints | Share |
|---|---|---|
| California | 38 | 24.8% |
| Texas | 18 | 11.8% |
| Louisiana | 14 | 9.2% |
| South Carolina | 8 | 5.2% |
| Tennessee | 7 | 4.6% |
| Ohio | 7 | 4.6% |
| Indiana | 6 | 3.9% |
| Illinois | 6 | 3.9% |
| Nevada | 5 | 3.3% |
| New Mexico | 4 | 2.6% |
| Oklahoma | 4 | 2.6% |
| Washington | 3 | 2% |
Top 12 of 29 states with at least one complaint since 2011. State counts follow population and where the company does business.
Questions and answers
How many complaints has the CFPB received about ZARVAD III S.A.?
4 in the 12 months to 30 Sep 2026 (1 in the 12 months before that) and 153 since 2014. 0 arrived in the last 30 days and 1 in the last 90 days; the most recent weeks are incomplete because a complaint is published only once the company responds or after 15 days.
How does that compare for its size?
ZARVAD III S.A. could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, so its complaint count cannot be set against its size here. A company with more customers can be expected to receive more complaints than one with fewer. The CFPB's own caution: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.”
What are people complaining about?
41.2% of complaints on file are filed under “Payday loan, title loan, or personal loan”. The issues selected most often were “Charged fees or interest you didn't expect” (16.3%), “Communication tactics” (13.1%), “Struggling to pay your loan” (8.5%). These are the categories the consumer picks on the CFPB form; the text of complaints is not used on this site.
How does ZARVAD III S.A. respond to complaints?
94.8% were closed with an explanation, 0% with non-monetary relief and 0% with monetary relief; 65.4% of responses were timely.
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. The Bureau publishes a complaint after the company responds, confirming a commercial relationship with the consumer, or after 15 days, whichever comes first. A complaint on file is not a finding that the company did anything wrong.
Where do these figures come from?
From the CFPB Consumer Complaint Database bulk file, counted through 30 Sep 2026, using only the coded fields (company, product, issue, state, dates, company response). Company size comes from FDIC, NCUA or HMDA public files where the company appears in one. Company names are shown as the CFPB publishes them.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 30 Sep 2026, complaints received through 30 Sep 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. The company name is shown as the CFPB publishes it. No size measure: the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files. Companies can respond to the CFPB about any complaint; errors in this site's processing are fixed at the next daily build. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. See this company's complaints at the CFPB · Methodology · Report an error.