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.
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- 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.
| Period | Complaints | Share |
|---|---|---|
| 12 months to Nov 6, 2026 | 172 | 75.4% |
| 12 months to Nov 6, 2025 | 45 | 19.7% |
| 12 months to Nov 6, 2024 | 11 | 4.8% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Problem when making payments | 105 | 46.1% |
| Charged fees or interest you didn't expect | 37 | 16.2% |
| Problem with additional add-on products or services | 26 | 11.4% |
| Getting the loan | 20 | 8.8% |
| Struggling to pay your loan | 13 | 5.7% |
| Problem with the payoff process at the end of the loan | 12 | 5.3% |
| Getting a line of credit | 4 | 1.8% |
| Problem with a company's investigation into an existing problem | 2 | 0.9% |
| Problem with fraud alerts or security freezes | 2 | 0.9% |
| Can't contact lender or servicer | 1 | 0.4% |
| Confusing or missing disclosures | 1 | 0.4% |
| Incorrect information on your report | 1 | 0.4% |
| Issues with repayment | 1 | 0.4% |
| Loan payment wasn't credited to your account | 1 | 0.4% |
| Unexpected fees | 1 | 0.4% |
| Was approved for a loan, but didn't receive the money | 1 | 0.4% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 218 | 95.6% |
| In progress | 8 | 3.5% |
| Closed with monetary relief | 1 | 0.4% |
| Closed with non-monetary relief | 1 | 0.4% |
States
Where the consumers who complained live, as they gave it to the CFPB.
| State | Complaints | Share |
|---|---|---|
| California | 26 | 11.4% |
| Texas | 22 | 9.6% |
| Florida | 21 | 9.2% |
| New York | 20 | 8.8% |
| Georgia | 16 | 7% |
| North Carolina | 15 | 6.6% |
| New Jersey | 9 | 3.9% |
| Virginia | 9 | 3.9% |
| Washington | 8 | 3.5% |
| Maryland | 7 | 3.1% |
| Ohio | 7 | 3.1% |
| Pennsylvania | 7 | 3.1% |
| Illinois | 6 | 2.6% |
| Nevada | 6 | 2.6% |
| Arizona | 4 | 1.8% |
| Connecticut | 4 | 1.8% |
| Kansas | 4 | 1.8% |
| Tennessee | 4 | 1.8% |
| Iowa | 3 | 1.3% |
| Indiana | 3 | 1.3% |
| Michigan | 3 | 1.3% |
| Oregon | 3 | 1.3% |
| Alabama | 2 | 0.9% |
| Arkansas | 2 | 0.9% |
| Colorado | 2 | 0.9% |
Latest 25 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| October 20, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | In progress | consumerfinance.gov |
| October 19, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| October 16, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 15, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| October 15, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| October 14, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 12, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 9, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 7, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 6, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | In progress | consumerfinance.gov |
| October 4, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 3, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 3, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 1, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | In progress | consumerfinance.gov |
| September 27, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| September 25, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| September 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | In progress | consumerfinance.gov |
| September 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| September 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| September 22, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | In progress | consumerfinance.gov |
| September 22, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| September 21, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| September 21, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| September 18, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- All Zip Co US Inc. complaints
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
- All consumer complaints
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.