CFPB Consumer Complaint Profile
Zip Co US Inc.
Consumers have filed 284 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 284
- Total complaints
- Above average
- 159
- Last 12 months
- 92.3%
- Timely response
- Bottom quartile
- 33
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Zip Co US Inc. sits at #726, with 284 complaints logged. Its on-time response rate is 92.3%, the 22nd percentile among companies with 100+ complaints.
- #726
- of 3,843 companies by volume
- 92.3%
- on time (22nd pctile)
- Payday loan, title l…
- most-complained product
- 33
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Zip Co US Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
92.3% Among the lowest higher than 22% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 35 in 2024 to 120 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2019 | 1 |
| 2020 | 12 |
| 2021 | 19 |
| 2022 | 20 |
| 2023 | 18 |
| 2024 | 35 |
| 2025 | 120 |
| 2026year in progress | 59 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Zip Co US Inc.
284 complaints against Zip Co US Inc. appear in the CFPB record, including 159 from the trailing year. The 33 states and territories represented put this footprint in multi-regional territory. The single largest complaint category is "Payday loan, title loan, personal loan, or advance loan," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Problem when making payments," a reasonable starting point for understanding recurring friction.
Zip Co US Inc.'s timely response rate stands at 92.3%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. Among resolved complaints, the consumer-relief closure rate is 6.3%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Zip Co US Inc. have?
Zip Co US Inc. has 284 total consumer complaints filed with the CFPB, with 159 filed in the last 12 months.
Does Zip Co US Inc. respond to complaints on time?
Zip Co US Inc.'s CFPB timely-response rate is 92.3%.
What product generates the most complaints for Zip Co US Inc.?
Among all products tied to Zip Co US Inc., "Payday loan, title loan, personal loan, or advance loan" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Zip Co US Inc.?
The most common issue reported by consumers about Zip Co US Inc. is "Problem when making payments." All complaint issues are listed above with their counts.
How do I file a complaint against Zip Co US Inc.?
You can file a complaint against Zip Co US Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Zip Co US Inc.?
Consumers in 33 states and territories have filed complaints about Zip Co US Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Also handles Payday loan, title loan, personal loan, or advance loan
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Zip Co US Inc. have?
Zip Co US Inc. has 284 total consumer complaints filed with the CFPB, with 159 filed in the last 12 months.
Does Zip Co US Inc. respond to complaints on time?
Zip Co US Inc.'s CFPB timely-response rate is 92.3%.
What product generates the most complaints for Zip Co US Inc.?
Among all products tied to Zip Co US Inc., "Payday loan, title loan, personal loan, or advance loan" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Zip Co US Inc.?
The most common issue reported by consumers about Zip Co US Inc. is "Problem when making payments." All complaint issues are listed above with their counts.
How do I file a complaint against Zip Co US Inc.?
You can file a complaint against Zip Co US Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Zip Co US Inc.?
Consumers in 33 states and territories have filed complaints about Zip Co US Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.