What is the most common complaint against Zip Co US Inc.?

The most common issue consumers report about Zip Co US Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 32 complaints filed with the CFPB.

Are complaints against Zip Co US Inc. increasing or decreasing?

Complaints against Zip Co US Inc. are rising. The company received 16 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Zip Co US Inc.'s reputation grade?

Zip Co US Inc. has a reputation grade of D (score: 53.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Zip Co US Inc. respond to consumer complaints?

Zip Co US Inc. has a 94% timely response rate to CFPB complaints.

In how many states does Zip Co US Inc. operate?

Zip Co US Inc. has received CFPB complaints from consumers in 16 states, with the most complaints from California (5 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Zip Co US Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 16 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

19
Took or threatened to take negative or legal action

4
False statements or representation

3
Written notification about debt

2
Electronic communications

2
Communication tactics

1

Data updated September 2026

CFPB complaint disposition

CCDB record zip-co-us-inc Zip Co US Inc.

Grade D · 32 CFPB filings · 94% timely · lead issue: Attempts to collect debt not owed · vol #1510 · compose #3670

VOL 32
GRADE D
12MO 16
STATES 16
TIMELY 94%
ISSUE Attempts to collect debt n…
RANK #1,510
COMPOSE #3,670

Volume peers

Nearest volume peer: ADR ARBITRATION SERVICES (Closed) (32 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Zip Co US Inc.'s 32 CFPB complaints sit next to ADR ARBITRATION SERVICES (Closed) on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

California is the plurality state for Zip Co US Inc. (15.6%)

Volume rank #1,510 and composite rank #3,670 diverge by 2,160 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: California 15.6%; Mid-band (15–30%) · 16 states with ≥1 filing
Seasonal peak: 2021-03 9.7%; 8–15% band · 3 filings
Divergent corpus ranks: #1,510 volume; #3,670 composite; Cleanest-composite ladder is 2,160 places worse than volume

How does Zip Co US Inc. compare to its peers?

How does Zip Co US Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Zip Co US Inc. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

94%

78%

91%

Consumer-dispute ratelower is better

13%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2016-06 2021-08

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	19
Took or threatened to take negative or legal action	4
False statements or representation	3
Written notification about debt	2
Electronic communications	2
Communication tactics	1
Threatened to contact someone or share information improperly	1

Where do complaints against Zip Co US Inc. come from?

Zip Co US Inc.'s own per-state count, not a national baseline.

California

5
New York

5
Pennsylvania

3
Alabama

2
Florida

2
Illinois

2
Massachusetts

2
Minnesota

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Zip Co US Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 32.

4 peers

Know your rights before responding to Zip Co US Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.