Total CFPB complaints
31
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 31 complaints
Zip Co US Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 15 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Zip Co US Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
17 complaints
- Took or threatened to take negative or legal action 4
Took or threatened to take negative or legal action
4 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Didn't provide services promised 1
Didn't provide services promised
1 complaints
- Electronic communications 1
Electronic communications
1 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
D
Grade D · 56.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Zip Co US Inc.?
Zip Co US Inc. has accumulated 31 total CFPB complaints across 15 states, with 18 filed in the most recent 12 months against 13 historical complaints before that window. The trailing-12-month volume represents 58.1% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 94% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 15 states, led by California with 5 and New York with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.3/100 places Zip Co US Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
18
58.1% of total history
Rising ↑
States active
15
Distinct state filings
Timely response rate
94%
Within CFPB SLA window
Reputation grade
D
56.3/100 composite
Response-quality profile
How Zip Co US Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 93.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 26.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Zip Co US Inc. compare to its peers?
Zip Co US Inc. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2020-07 2026-03
Top Consumer Issues
Attempts to collect debt not owed17 (%)
Took or threatened to take negative or legal action4 (%)
False statements or representation2 (%)
Didn't provide services promised1 (%)
Electronic communications1 (%)
Threatened to contact someone or share information improperly1 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 9 |
| Attempts to collect debt not owed | Debt was result of identity theft | 4 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 2 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Didn't provide services promised | — | 1 |
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 1 |
| Electronic communications | Frequent or repeated messages | 1 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
Where do complaints against Zip Co US Inc. come from?
The states where consumers have filed the most CFPB complaints against Zip Co US Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Zip Co US Inc.
Across 15 states with at least one filing
- California
California
5 complaints
- New York
New York
4 complaints
- Pennsylvania
Pennsylvania
3 complaints
- Connecticut
Connecticut
2 complaints
- Minnesota
Minnesota
2 complaints
- Massachusetts
Massachusetts
2 complaints
- Alabama
Alabama
2 complaints
- Illinois
Illinois
2 complaints
Frequently Asked Questions
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 31 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 18 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: 56.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 15 states, with the most complaints from California (5 complaints).
What can I do if Zip Co US Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Zip Co US Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |