Debt collection
Zip Co US debt collection complaints
Consumers have filed 38 complaints about Zip Co US's debt collection, 18 in the last 12 months. Zip Co US answered 94.4% on time and closed 0% with relief. See the whole Zip Co US record.
Zip Co US against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Zip Co US | 18 | 94.4% | 0% |
Latest Zip Co US debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 3, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 18, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Sep 15, 2026 | Debt collection | Electronic communicationsYou told them to stop contacting you, but they keep trying | Explained |
| Jul 21, 2026 | Debt collection | Electronic communicationsYou told them to stop contacting you, but they keep trying | Explained |
| May 26, 2026 | Debt collection | Electronic communicationsYou told them to stop contacting you, but they keep trying | Explained |
| May 16, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| May 7, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| May 7, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Apr 23, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Mar 19, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Mar 15, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Feb 10, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Jan 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 2, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 25, 2025 | Debt collection | Took or threatened to take negative or legal actionCollected or attempted to collect exempt funds | Explained |
| Nov 26, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 16, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 14, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 10, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 7, 2025 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Jul 21, 2025 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
| Jun 22, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 20, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 15, 2025 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | Explained |
| Nov 6, 2024 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 24, 2024 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Dec 12, 2023 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jul 26, 2023 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Jun 15, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Money back |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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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