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Data / Consumer complaints / Zip Co US Inc. / Payday loan, title loan, personal loan, or advance loan

Zip Co US Inc.: 228 CFPB complaints about payday loan, title loan, personal loan, or advance loan, last 3 years

Updated November 7, 2026. Source: CFPB Consumer Complaint Database.

Zip Co US Inc. drew 228 consumer complaints about payday loan, title loan, personal loan, or advance loan in the CFPB database in the three years to November 6, 2026, 56.2% of its 406 complaints in that time. The most common issue was “Problem when making payments”. The company responded on time to 93.4% of them, and 0.9% closed with monetary or other relief.

The request: Watch Zip Co US Inc.: each new CFPB complaint about payday loan, title loan, personal loan, or advance loan by issue, with the date and the company response. $10 of work on sign-up, no card.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

  • 228Complaints, last 3 years
  • 56.2%Share of the company's complaints
  • 93.4%Responded on time
  • 0.9%Closed with relief
  • Oct 23, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 202617275.4%
12 months to Nov 6, 20254519.7%
12 months to Nov 6, 2024114.8%

Issues

IssueComplaintsShare
Problem when making payments10546.1%
Charged fees or interest you didn't expect3716.2%
Problem with additional add-on products or services2611.4%
Getting the loan208.8%
Struggling to pay your loan135.7%
Problem with the payoff process at the end of the loan125.3%
Getting a line of credit41.8%
Problem with a company's investigation into an existing problem20.9%
Problem with fraud alerts or security freezes20.9%
Can't contact lender or servicer10.4%
Confusing or missing disclosures10.4%
Incorrect information on your report10.4%
Issues with repayment10.4%
Loan payment wasn't credited to your account10.4%
Unexpected fees10.4%
Was approved for a loan, but didn't receive the money10.4%

How the company responded

Company responseComplaintsShare
Closed with explanation21895.6%
In progress83.5%
Closed with monetary relief10.4%
Closed with non-monetary relief10.4%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
California2611.4%
Texas229.6%
Florida219.2%
New York208.8%
Georgia167%
North Carolina156.6%
New Jersey93.9%
Virginia93.9%
Washington83.5%
Maryland73.1%
Ohio73.1%
Pennsylvania73.1%
Illinois62.6%
Nevada62.6%
Arizona41.8%
Connecticut41.8%
Kansas41.8%
Tennessee41.8%
Iowa31.3%
Indiana31.3%
Michigan31.3%
Oregon31.3%
Alabama20.9%
Arkansas20.9%
Colorado20.9%

Latest 25 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 23, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
October 20, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanIn progressconsumerfinance.gov
October 19, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
October 16, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 15, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
October 15, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
October 14, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 12, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 9, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 7, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 6, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsIn progressconsumerfinance.gov
October 4, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 3, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 3, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 1, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsIn progressconsumerfinance.gov
September 27, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
September 25, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 23, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsIn progressconsumerfinance.gov
September 23, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
September 23, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
September 22, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsIn progressconsumerfinance.gov
September 22, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
September 21, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
September 21, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
September 18, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov

Also on SpecStream

Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.