We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Financial Technology

Zip
BBB accredited business seal
BBB Accredited BusinessA+Rated by BBB

Reviews

Customer Review Ratings

1.07

Average of 92 Customer Reviews

Want to share your experience?

Leave a Review

Review Details

  • Joshua K

    Date: 07/07/2025

    Company refuses to refund my money and remove a order that was fraudulently placed under my account. Submitted police report and numerous forms through their website with also emails between me and one of their representatives and they still won't assist in resolving the matter.

  • Ni S

    Date: 06/17/2025

    Zip continues to freeze my account due to unethical practices. My account has been blocked multiple times due to misinformation and errors originating from customer service representatives, coupled with holding funds void of timely reimbursement for declined transactions. **** to other customers who have shared their experiences in this platform, I have habitually received the same scripted false promises from Zip representatives that my "account would reset" and that someone would contact me from their lead department. Meanwhile, Zip debits my account without fail in a timely fashion for my payments. Hence, I uphold and honor my end of the bargain whereas they block my account for extended periods of time void of a timely resolve on their end. Zip offers flexible purchase options for customers l. However, their resolutions and customer service efforts are very slow and subpar. My banking merchant essentially does Zip's job by resolving Zip's duplicate transactions errors and failure to credit customer's accounts for erroneous payments they take for transactions that were unsuccessful which is unethical. Their punishment for customers that dispute their erroneous charges is to block their accounts while continuing to expeditiously process customer's ACH transactions. This is bad business on Zip's part.

  • Gianna D

    Date: 05/23/2025

    They charged my overdue balance to a a brand new debit card I never authorized for them to taken money at midnight. I submitted a complaint to *** as well. I called customer service representative and asked to speak with a supervisor which somehow couldnt. So it has to be escalated to a separate department and has to get back to me with 24/45 minutes. I am not disputing the overdue balance Im disputing the fact that I never gave them a card to authorize to take& I want my money back since I am getting surgery & will be short of money & will be on disability for two weeks

  • Sharon S

    Date: 04/30/2025

    I ordered from ****** ****** though zip. And I got a refund from ****** ******. Because they messed up my order. So they gave me back $38.54 and my bill though zip was $102. I paid $20 plus I got a refund back and my **** ***** have not changed at all I contacted them and they come up with excuses like always

  • anthony r

    Date: 04/29/2025

    stole ****** from me bbb does nothing Mercari does nothing zip does nothing fidelity does nothing ,,, ALL CROOKS ,,,,, zip will rip you off ,,, they are criminals mercari are CROOKS AND WILL STEAL YOUR MONEY

  • Debra M

    Date: 04/24/2025

    Had zip for 2 year never had a problem until now. I paid everything owed off early in march 2024 and just 2 weeks later I was locked out of my account and I when I was able to get back into my account the payment card I issued was deleted off my account. So I put the card number back in for it to only say that my bank card is issued with an another users account. So I contacted zip and as a result customer service only gave me a ticket number for the internal team to resolve and get back with me asap by email. So its been a week and no email and I have check with bank to may sure no fraud is at play nothing yet. And yet again I contacted zip and they told me there isnt an ETA on when I will be resolved at this moment. Just be patient and I will receive an email. Very poor customer service wouldnt recommend this site.

  • Sheila R

    Date: 04/21/2025

    Please beware I'm still waiting on a refund that I have yet received

  • Janae K

    Date: 04/10/2025

    Not give these people your money you will regret it!

  • Britney F

    Date: 04/04/2025

    Sorry excuse for a business *** had my account for years and I had a legal name change and now have been locked out for months because their customer service line is a joke. They have came up with every excuse not to let me in my account and now are telling me I have to deactivate it completely and make a new one and said theres no guarantee Ill get my spending limit back Ive built up ??And theres absolutely no reason in the employees they have answering the phone because they cant do or fix anything anytime I call Im told they have to send a ticket to the internal team and that I will be contacted by email just been given a complete run around if I could rate no stars I would very crappy company

  • Holly J

    Date: 04/02/2025

    I signed up last year, in 2024, for opening a Zip Account. I used the ********************** credit, per Online order/delivery at *******. Which is how I used Zip's Pay Over Time and Credit Card was confusing to me. I had to speak to several **************** Advocates before the online cancel order was resolved. I accepted and billed the amount of $88.91 on 01/25/25 for an ************** Order # with installment payments of $21.83 every 2 weeks(after $17.41) that was applied at the time of using the Zip credit card for the ******* Online Order. I paid the 2nd payment of $21.83, per my debit bank card on file. My 3rd payment(due 02/22/25), I missed due to being out of town and traveling back home. I immediately called and informed the Zip Customer Advocate that I would be back in town on 02/23/25, and I stated I would pay the remaining balance $ $46.66. Also, a refund was applied to this remaining *** of $4.01 on 03/04/25. I paid the balance as stated. At the end of March 2025, I decided to use Zip in the ******* store. I called Zip due to previous issues I had with the online order. I was advised that my account was on hold, and Customer Advocate could not give me a reason why the account had been on hold. This response threw up a red flag for me. After several follow-up calls, I was informed that the account remains on hold and the account is now been terminated. This business is not professional, and the accounting is not legitimate or practical at all. Respectfully, Unsatified Customer, HJB

Zip is BBB Accredited.

BBB accredited business seal

This business has committed to upholding the BBB Standards for Trust.

Why choose a BBB Accredited Business?

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.