Lender · complaint record
Zip Co US complaints
Filed under Zip Co US Inc.
Consumers have filed 480 complaints about Zip Co US since 2019, 287 of them in the last 12 months (+205% on the year before). It answered 95.8% on time and closed 0% with relief for the customer - less often than a typical lender. The most common problem is problem when making payments. It is the 9th most complained-about of 272 personal & payday lenders this year.
Poor response record. How it works
- Complaints on record
- 480
- Last 12 months
- 287
- Answered on time
- 95.8%
- Closed with relief
- 0%
- Last 30 days
- 12
- Rank
- #9 of 272
Since December 2019
+205% vs the year before
Industry: 94.7%
Typical lender: 6%
Newest: Nov 3, 2026
Most complained-about personal & payday lenders
Zip Co US complaints by month
The busiest month was September 2026 (37 complaints). Complaints in the last 12 months are up 205% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Zip Co US answered last 12 months
- Closed with explanation27896.9%
- In progress93.1%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time26/4595.8% on time
- Relief for customers0/400% closed with relief
- Complaint trend0/15+205% vs last year
What Zip Co US complaints are about
Top Zip Co US problems last 12 months
Inside "Problem when making payments"
- Problem during payment process 5
- You never received your bill or did not know a payment was due 1
Where Zip Co US complaints come from
Most complaints: California (57), Texas (42), New York (40), Florida (34), Georgia (31).
Zip Co US compared with other personal & payday lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Aqua FinancePayday & personal loans | 56 | 335 | C |
| 2 | Solar ServicingPayday & personal loans | 55 | 288 | C |
| 3 | Zip Co USPayday & personal loans | 26 | 287 | F |
| 4 | Rosebud Economic DevelopmentPayday & personal loans | 3 | 281 | F |
| 5 | Uprova CreditPayday & personal loans | 45 | 266 | D |
| 6 | WLCCPayday & personal loans | 30 | 260 | F |
| 7 | Greensky OperationsPayday & personal loans | 94 | 248 | A |
| 8 | Harpeth Financial ServicesPayday & personal loans | 50 | 232 | C |
Compare side by side: Zip Co US vs Aqua Finance · Zip Co US vs Solar Servicing · Zip Co US vs Rosebud Economic Development · Zip Co US vs Uprova Credit
What people say about Zip Co US
All experiencesNo experiences with Zip Co US yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Zip Co US complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 3, 2026 | Payday & personal loans | Problem with additional add-on products or services | Explained |
| Nov 2, 2026 | Payday & personal loans | Problem when making payments | Explained |
| Oct 30, 2026 | Payday & personal loans | Problem when making payments | In progress |
| Oct 29, 2026 | Payday & personal loans | Struggling to pay your loan | In progress |
| Oct 26, 2026 | Payday & personal loans | Getting the loan | Explained |
| Oct 26, 2026 | Payday & personal loans | Problem when making payments | Explained |
| Oct 23, 2026 | Payday & personal loans | Getting the loan | Explained |
| Oct 20, 2026 | Payday & personal loans | Getting the loan | Explained |
| Oct 19, 2026 | Payday & personal loans | Getting the loan | Explained |
| Oct 18, 2026 | Bank accounts | Problem with a lender or other company charging your accountTransaction was not authorized | Explained |
| Oct 18, 2026 | Credit cards | Problem when making paymentsProblem during payment process | Explained |
| Oct 18, 2026 | Credit cards | Problem with a purchase shown on your statementCard was charged for something you did not purchase with the card | Explained |
Questions about Zip Co US
How many complaints does Zip Co US have?
Zip Co US has 480 complaints on record since December 2019, including 287 in the last 12 months and 12 in the last 30 days. That makes it number 265 of every company by complaints this year.
Does Zip Co US respond to complaints?
Yes. Zip Co US answered 95.8% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 26/100 (grade F).
What do people complain about most with Zip Co US?
The most common problems are problem when making payments (124), problem with a purchase shown on your statement (66), charged fees or interest you didn't expect (43).
Is Zip Co US legit?
Zip Co US is a real company with a public complaint record: consumers have complained about it 480 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Zip Co US legit? for the signals, red flags and how to protect yourself.
Are complaints about Zip Co US going up or down?
Up. There were 287 complaints in the last 12 months against 94 in the 12 before (+205%). See every month.
How do I file a complaint against Zip Co US?
Complain to Zip Co US in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Zip Co US complaints come from?
Most come from California (57), Texas (42), New York (40). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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