Zip Co US — CFPB Complaint Data
Data source: CFPB Consumer Complaint Database. Data current as of August 8, 2026. View the live CFPB record.
A CFPB complaint means a consumer submitted a complaint against Zip Co US and the company was given a chance to respond — it isn't a lawsuit, a fine, or a verified finding that the company did something wrong. Raw complaint counts also aren't adjusted for company size: a large national company will show more complaints than a small one even if it handles a lower share of its accounts poorly.
56% of Zip Co US's complaints on record are about "problem when making payments" — the single most common issue category.
Top complaint issues
The specific problems people reported, most common first.
- Problem when making payments18
- Problem with additional add-on products or services4
- Charged fees or interest you didn't expect3
- Attempts to collect debt not owed — what to do2
- Was approved for a loan, but didn't receive the money1
Complaint trend (monthly)
Have a problem with Zip Co US?
A CFPB complaint is free, takes about 10 minutes, and generally requires Zip Co US to respond within 15 days. Before you file: attach documents (statements, letters, screenshots), be specific about the product and problem, and state exactly what resolution you want.