Zip Co US Inc.
342 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Zip Co US Inc. complaint mix by product
- Payday loan, 140 43.2% – 1% relief
- Credit card 64 19.8% – 0% relief
- Money transfer, 44 13.6% – 9% relief
- Debt collection 32 9.9% – 9% relief
- Payday loan, 24 7.4% – 29% relief
- Checking or 11 3.4% – 0% relief
- Credit reporting 9 2.8% – 0% relief
How Zip Co US Inc.'s 342 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Payday loan, title loan, personal loan, or advance loan | 140 |
| Credit card | 64 |
| Money transfer, virtual currency, or money service | 44 |
| Debt collection | 32 |
| Payday loan, title loan, or personal loan | 24 |
| Checking or savings account | 11 |
| Credit reporting or other personal consumer reports | 9 |
| Credit card or prepaid card | 6 |
| Prepaid card | 5 |
| Credit reporting, credit repair services, or other personal consumer reports | 4 |
| Debt or credit management | 2 |
| Student loan | 1 |
Top States
| State | Complaints |
|---|---|
| CA | 41 |
| TX | 31 |
| NY | 26 |
| GA | 24 |
| FL | 23 |
| MD | 16 |
| VA | 15 |
| NC | 15 |
| PA | 13 |
| OH | 13 |
| NJ | 11 |
| IL | 11 |
| MI | 9 |
| WA | 9 |
| AL | 8 |
| CT | 8 |
| LA | 7 |
| TN | 7 |
| AZ | 7 |
| NV | 6 |
Top Issues
| Issue | Complaints |
|---|---|
| Problem when making payments | 69 |
| Problem with a purchase shown on your statement | 49 |
| Charged fees or interest you didn't expect | 34 |
| Problem with additional add-on products or services | 19 |
| Attempts to collect debt not owed | 19 |
| Unauthorized transactions or other transaction problem | 17 |
| Struggling to pay your loan | 13 |
| Getting the loan | 11 |
| Problem with the payoff process at the end of the loan | 11 |
| Problem with a lender or other company charging your account | 8 |
| Fraud or scam | 8 |
| Incorrect information on your report | 5 |
| Improper use of your report | 5 |
| Managing, opening, or closing your mobile wallet account | 5 |
| Other features, terms, or problems | 5 |
| Struggling to pay your bill | 4 |
| Took or threatened to take negative or legal action | 4 |
| Getting a line of credit | 3 |
| Getting a credit card | 3 |
| Confusing or missing disclosures | 3 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2019 | 1 | 100% |
| 2020 | 12 | 91.7% |
| 2021 | 19 | 78.9% |
| 2022 | 20 | 95% |
| 2023 | 18 | 100% |
| 2024 | 35 | 74.3% |
| 2025 | 120 | 95.8% |
| 2026 | 117 | 93.2% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Zip Co US Inc.
Zip Co US Inc.'s 342 logged complaints stay concentrated: only 35 states show a filing on record. 57.9% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2019 through 2026-06-25.
Zip Co US Inc. answers 91.8% of complaints inside the CFPB's tracked window and closes 87.1% with a written explanation. 5.3% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Payday loan, title loan, personal loan, or advance loan" draws the most filings, most often for "Problem when making payments."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Zip Co US Inc..
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does Zip Co US Inc. have?
342, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Zip Co US Inc. respond to complaints on time?
91.8% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Zip Co US Inc.?
"Problem when making payments", filed under the "Payday loan, title loan, personal loan, or advance loan" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.