CFPB · Narrative-heavy record
Zip Co US Inc.
342 CFPB complaints · 57.9% with narratives · top issue Problem when making payments.
Zip Co US Inc.: 57.9% of 342 filings include consumer narratives. Timely 91.8% · relief 5.3% · top product Payday loan, title loan, personal loan, or advance loan. Allegations, not findings.
- Narrative-heavy record
- +11600% filings 2019 to 2026
CFPB relief outcome brief
CCDB company zip-co-us-inc
5.3% relief · 91.8% timely · 342 filings · Payday loan, title loan, personal loan, or advance loan
Same-product relief peers
Nearest relief peer: Crow Creek Sioux Tribe (5.1% relief)
Zip Co US Inc. closes 5.3% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Zip Co US Inc.'s 342 filings include narrative text
57.9% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
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 |
Where Zip Co US Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 12% of this company's filings
Zip Co US Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 117
- +11600% vs 2019
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
Zip Co US Inc.'s narrative-rich complaint ledger
Zip Co US Inc.'s 342 logged complaints stay concentrated: only 35 states show a filing. 57.9% of filings carry a written consumer narrative, 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..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Zip Co US Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 342.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 91.8%.
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.
Data sourced from official public datasets for Zip Co US Inc. (91.8% timely; 5.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record