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 |
|---|---|---|---|
| Apr 13, 2023 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Money back |
| Sep 15, 2022 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 15, 2022 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Jan 10, 2022 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Money back |
| Dec 8, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 1, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 25, 2021 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 6, 2020 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
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.
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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