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Zenco Collections, LLC (aka Zenco Collects)is a third-party collection agency based in Richardson, TX. Zenco has received consumer complaints alleging serious violations of the Fair Debt Collections Practices Act (FDCPA), including threatening to take illegal actions in an effort to collect debts. If you have been contacted by Zenco regarding past due financial obligations, make sure you understand your rights before taking action.
According to the Better Business Bureau (BBB), Zenco Collects is headquartered in Richardson, TX and listed as a debt repayment plan company. The BBB does not indicate when Zenco was founded, but their file was opened in 2015. Buzzfile does not have a listing for Zenco.
According to its website, Zenco has “over 75 years of experience in nationwide collection services…and is a premier collection agency dedicated to improving the financial performance of its clients.” Zenco offers “a range of collection services tailored to [their client’s] industry.” Zenco claims to be “fully licensed and bonded in all necessary states,” and cites its membership in Columbia Ultimate, a computer software firm.
Zenco offers the following services: immediate collection; legal representation; comprehensive performance reporting; comprehensive status reporting; and skip tracing. Their immediate collection service includes electronic client file upload, followed by automatic letter generation, and then assignment to a collection specialist “according to federal laws and our client’s specifications.” Zenco’s “vast networking of legal representation throughout the United States,” supports litigation when necessary. Their comprehensive performance and status reports provide clients with customizable updates about their accounts. Finally, Zenco uses “numerous databases including internet search engines…to locate debtors[,] thus increasing [the] percentage of recovery for…clients.”
Zenco’s website does not contain any information about its compliance policies or its training programs. Most of Zenco’s collection efforts are managed by “Ultimate Collector System…full-service credit collection software.” Their site does not contain any references or links to consumer resources or consumer protection laws or agencies. Their online payment portal is not currently in operation.
The BBB has closed 70 complaints against Zenco in the past three years, with 34 closed in the past 12 months. The BBB has given Zenco a rating of F and has posted a notice alerting consumers to a pattern of complaints regarding Zenco’s marketplace behavior. Since October 2015, the Consumer Financial Protection Bureau (CFPB) has closed 45 complaints against Zenco. Justia lists at least 1 case of civil litigation naming Zenco as a defendant.
Absolutely. Here are some Sample Cases against Zenco Collects
The BBB posted the following notice on Zenco’s profile page:
“On February 2, 2016, BBB notified Zenco Collections, LLC that BBB has identified a concerning pattern of consumer complaints regarding the company’s marketplace behavior.
“Specifically, BBB has received complaints from consumers alleging that the company uses threats of prosecution, arrest, and/or garnishment for debts to collect on debts as old as 10 years and the firm fails to validate the debts upon consumer request.
“BBB requested the firm’s voluntary cooperation in eliminating the identified patterns.
“As of February 29, 2016, Zenco Collections, LLC failed to respond to this BBB request.”
Consumer complaints support these allegations. For example, in September 2017, a complainant indicated that she had returned a call to an unknown number during her break at work and reached a secretary at Zenco who transferred her to a collections representative. When the complainant indicated she would call back in two hours when she got off work and would have more time, the collections representative told her that, “filing for court proceedings would occur if [she] ended the call without some sort of resolution or plan in place on a debt that was 10 years old.” The “fast-speaking” representative pushed “terms of settlement such as making a 2200.00 payment right then and there…They pretended to email an attorney and get another offer to try to…settle for around 1350.00.” The complainant asked additional questions, but the representative “threatened to serve a warrant…and start court proceedings and garnish…wages.”
The complainant ultimately charged that Zenco had “violated the Fair Debt Collections Practices Act with their vulture techniques even when the statute of limitations had expired”; and that “[d]ue to their illegal practices [the complainant] was bullied and gave [her] checking account information to set up payments of 100.00 a month.”
P.O. Box 851733
Richardson, Texas 75081
Understanding your Debt Collection Rights
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
If you’ve been harassed by debt collectors, we can help. We will fight for your rights.
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200.
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