Scores reflect the Overall AI Score for each category
Based on recent customer reviews, Z-FIN presents a sharply divided experience. Customers consistently praise named consultants, especially Chris, Pamela, Caleen and Ongeziwe, for patient, well explained guidance that clears debt review flags quickly. A recurring theme, however, is silence after payment, with clients describing months of unanswered calls, WhatsApps and emails, unresolved refunds and clearance certificates that never arrive.
Top Strengths:
- •Customer Service & Professional Guidance: Named consultants carry this business. Chris, Chris Mac, Pamela, Caleen, Ongeziwe, Abongile, Lungisani and Nicole in the legal team are described as patient, knowledgeable and committed, explaining each step of debt review removal and negotiating with bureaus and creditors on the client's behalf.
TrustIndex
5.3
NPS Score
-4
Recommended: Unlikely
Dec '25 - Nov '26
Frequently Asked Questions About Z-FIN
What do customers say about Z-FIN?
Based on recent customer reviews, Z-FIN presents a sharply divided experience. Customers consistently praise named consultants, especially Chris, Pamela, Caleen and Ongeziwe, for patient, well explained guidance that clears debt review flags quickly. A recurring theme, however, is silence after payment, with clients describing months of unanswered calls, WhatsApps and emails, unresolved refunds and clearance certificates that never arrive.
What is Z-FIN's biggest strength?
Z-FIN's biggest strength, according to Hellopeter's AI analysis, is Customer Service & Professional Guidance. Named consultants carry this business. Chris, Chris Mac, Pamela, Caleen, Ongeziwe, Abongile, Lungisani and Nicole in the legal team are described as patient, knowledgeable and committed, explaining each step of debt review removal and negotiating with bureaus and creditors on the client's behalf.
What are the most common complaints about Z-FIN?
The most common complaint about Z-FIN, based on Hellopeter's AI analysis of recent customer reviews, is Trust, Transparency & Compliance. Trust erodes sharply after payment, with repeated scam accusations, promises of quick removal that later change, and threats to escalate to the NCR and ombudsman. One client reports a power of attorney carrying another person's details.
Is Z-FIN trustworthy?
Z-FIN has a TrustIndex of 5.3 out of 10 on Hellopeter, based on 90 reviews in the last 12 months. They reply to 30% of negative reviews, typically within 17 hours 35 min. Hellopeter has tracked Z-FIN across 758 total reviews. How is the TrustIndex calculated? →
Recent reviews (90)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your Experience1 reviews | Active since Mar 2022
Good day HelloPeter I was recruited under false pretenses by a Z-Fin consultant who promised to assist me with debt
Z-Fin consultant promise to remove me from debt review and I paid them in full but still no removal but my money is gone. I want all my money back pls
1 reviews | Active since Mar 2022
Good day HelloPeter I was recruited under false pretenses by a Z-Fin consultant who promised to assist me with debt
Z-Fin consultant promise to remove me from debt review and I paid them in full but still no removal but my money is gone. I want all my money back pls
1 reviews | Active since Jan 2016
Extremely Disappointed with Z-Fin's Service
I am extremely disappointed and unhappy with the service I have received from Z-Fin. I made my payment in good faith, expecting them to fulfil their commitments and provide me with the necessary assistance regarding my debt review removal. Unfortunately, after making payment, communication has become a serious problem. My attempts to get feedback, updates and clarity about the progress of my case have not received the response I expected. It is unacceptable for a paying client to be left in the dark after fulfilling their financial obligations.When a customer pays for a service, they deserve professionalism, accountability, transparency and regular communication. I should not have to chase a company for answers about a service I have already paid for.I am extremely frustrated because this matter affects my financial future, and I expected Z-Fin to handle it with the urgency and professionalism it deserves.Z-Fin, I want answers. Please provide me with a clear update on my case, confirmation of the work completed, and the outstanding documentation relating to my debt review removal.I would not recommend this service based on my experience so far. I hope management takes this complaint seriously and responds to me with a proper resolution rather than leaving me without answers. Paying clients deserve accountability, not silence.
1 reviews | Active since Jan 2016
Extremely Disappointed with Z-Fin's Service
I am extremely disappointed and unhappy with the service I have received from Z-Fin. I made my payment in good faith, expecting them to fulfil their commitments and provide me with the necessary assistance regarding my debt review removal. Unfortunately, after making payment, communication has become a serious problem. My attempts to get feedback, updates and clarity about the progress of my case have not received the response I expected. It is unacceptable for a paying client to be left in the dark after fulfilling their financial obligations.When a customer pays for a service, they deserve professionalism, accountability, transparency and regular communication. I should not have to chase a company for answers about a service I have already paid for.I am extremely frustrated because this matter affects my financial future, and I expected Z-Fin to handle it with the urgency and professionalism it deserves.Z-Fin, I want answers. Please provide me with a clear update on my case, confirmation of the work completed, and the outstanding documentation relating to my debt review removal.I would not recommend this service based on my experience so far. I hope management takes this complaint seriously and responds to me with a proper resolution rather than leaving me without answers. Paying clients deserve accountability, not silence.
1 reviews | Active since Oct 2025
I do want my money back
I do want my money back. I couldn't be helped for the past 22 months, what is the chances that I will be helped in 2026 still? Frederick
1 reviews | Active since Oct 2025
I do want my money back
I do want my money back. I couldn't be helped for the past 22 months, what is the chances that I will be helped in 2026 still? Frederick
1 reviews | Active since Jan 2020
No response
It's been months since February and I am still waiting for assistance and communication. I have already paid a service fee. I'm Really not happy. After being referred by someone who had a good review about Z Fin
1 reviews | Active since Oct 2024
******** do not use their services.
I would not recommend Z Fin based on my experience. I paid them after they promised to assist me with the removal of my debt review status. However, after receiving my payment, communication stopped completely. My calls and *** are no longer being answered, and I have not received the service or feedback I was promised. I feel extremely disappointed and let down, especially because they were responsive before I made the payment. I am sharing my experience to warn other people to be very careful before making any payments. Please do your research and make sure you can verify the company and the services being offered before handing over your money.
1 reviews | Active since Oct 2024
******** do not use their services.
I would not recommend Z Fin based on my experience. I paid them after they promised to assist me with the removal of my debt review status. However, after receiving my payment, communication stopped completely. My calls and *** are no longer being answered, and I have not received the service or feedback I was promised. I feel extremely disappointed and let down, especially because they were responsive before I made the payment. I am sharing my experience to warn other people to be very careful before making any payments. Please do your research and make sure you can verify the company and the services being offered before handing over your money.
1 reviews | Active since Mar 2023
You are pathetic and service is bad
I am disappointed with your service when I started off with you everything went well. Now it's time for me to get a clearance letter no one is responding to my calls and messages. I have been trying to get hold of you for the past two months. Yet, for new clients you are quick to respond.
1 reviews | Active since Mar 2023
You are pathetic and service is bad
I am disappointed with your service when I started off with you everything went well. Now it's time for me to get a clearance letter no one is responding to my calls and messages. I have been trying to get hold of you for the past two months. Yet, for new clients you are quick to respond.