Zip Co US Inc. Consumer Complaints
Zip Co US Inc. has received 289 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Apr 16, 2026Key Takeaways
- 289 total complaints on file with the CFPB.
- Most complaints are about Payday loan, title loan, personal loan, or advance loan (110).
- Timely response rate: 92.4%.
- Consumer disputed rate: 0.0% of resolved complaints.
Complaints by Product
The following table shows how complaints against Zip Co US Inc. break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Payday loan, title loan, personal loan, or advance loan | 110 | 38.1% |
| Credit card | 54 | 18.7% |
| Money transfer, virtual currency, or money service | 39 | 13.5% |
| Debt collection | 29 | 10.0% |
| Payday loan, title loan, or personal loan | 24 | 8.3% |
| Checking or savings account | 9 | 3.1% |
| Credit reporting or other personal consumer reports | 8 | 2.8% |
| Credit card or prepaid card | 6 | 2.1% |
| Credit reporting, credit repair services, or other personal consumer reports | 4 | 1.4% |
| Prepaid card | 4 | 1.4% |
| Debt or credit management | 2 | 0.7% |
Most Common Issues
These are the specific issues consumers most frequently report about Zip Co US Inc..
Company Response Breakdown
When consumers file complaints, Zip Co US Inc. responds in one of several ways. The breakdown below shows how Zip Co US Inc. has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 255 | 88.2% |
| Closed with monetary relief | 16 | 5.5% |
| In progress | 16 | 5.5% |
| Closed with non-monetary relief | 2 | 0.7% |
Complaints by State
Top states where consumers have filed complaints against Zip Co US Inc..
| State | Complaints |
|---|---|
| California | 36 |
| Texas | 26 |
| New York | 23 |
| Georgia | 20 |
| Florida | 19 |
| North Carolina | 15 |
| Maryland | 12 |
| Pennsylvania | 12 |
| Virginia | 12 |
| Illinois | 10 |
| Ohio | 10 |
| Michigan | 9 |
| New Jersey | 9 |
| Alabama | 8 |
| Connecticut | 8 |
| Tennessee | 7 |
| Louisiana | 6 |
| Nevada | 6 |
| Missouri | 5 |
| Washington | 5 |
Your Rights
What to do if you have a complaint against Zip Co US Inc.
- Contact Zip Co US Inc. directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
-
How many complaints does Zip Co US Inc. have?
Zip Co US Inc. has 289 consumer complaints on file with the CFPB as of our last data refresh.
-
What is the most common complaint about Zip Co US Inc.?
The most common issue reported is Problem when making payments with 51 complaints.
-
How do I file a complaint against Zip Co US Inc.?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
-
Does Zip Co US Inc. respond to complaints on time?
Zip Co US Inc. has a 92.4% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.