“If you ever decide to change your number, you are going to have issues updating your number. You will have to call them and have your license ready to get it scanned which for some reason didn’t work. I never had issues updating my number with Klarna or Affirm but with company, I still haven’t had my number updated and I can’t user Zip as a payment option. I am glad I have Affirm and Klarna. Goodbye Zip”
“I just called about a change for a canceled transaction, and the customer service experience was horrible. The representatives were rude, impatient, and clearly lacked proper training. They didn’t listen to what I was trying to explain and seemed unwilling to help.
Terrible experience. I’ll never use Zip again—there are much better companies out there.”
“They changed me 3 times for one transaction and the order never even submitted. They told me the money wasn't captured, but it was definitely taken out of my bank account. At that rate, I would've just paid the full amount without using this crappy excuse for a payment plan. The service rep even told me he would zelle me the money if I don't have it tomorrow. Very unprofessional and I'm questioning how legit this company actually is.”
“Terrible experience!!! My order was for 55$ and they charged me 51$ 4 times . I canceled the order to keep from paying 200$ for something I payed all but 4$ of but instead of refunding me my 51$ they put it towards a payment that I do not owe. So basically they are stealing 150$ from me and I received nothing”
“Keep getting withdrawal notices. I have never been late on a payment yet. I always pay off my orders. If this is how they treat their loyal customers, I will pay off current orders and close my account.”
“I ordered from dollar tree did not receive my purchase dollar tree revised the pay back to zip...I have a refund of 32 dollars that they will not refund,they are telling me I will receive it on this day ,then that day now no day at all..Now I am beginning to believe that they are a scam ,because customer support are starting to play games with me”
“I will no longer be using zip pay since we do not have the option to use a credit card it is less convenient for most users . Hopefully they can redeem themselves , Afterpay will be my new platform of purchases”
“I've been calling about my account for a week. Every time I talk to someone they say it will take 24 to 72 hours. It is pass 72 hours and now they are saying they are backed up. I been locked out of my account for a year and every time I call its some kind of excuse for them not getting my account updated. This is crazy.”
“Sadly I agree Zip has definitely declined - the customer service is the worse and they are over charging me and admitting the mistake but not correcting it. I will pay off but never use again.”
“They declined my application for credit after I had given them more that enough info & explained to them that me & my husband have a joint account, they wanted my share of what I pay for, gave that to them (which isn’t a lot as I work part time) After they had declined it I contacted them but they couldn’t give me a clear reason for declining it was ie: do I not make enough? I have never had a problem in the past from other companies if I’ve ever needed credit for something, customer service was not helpful at all and kept repeating the same thing that I can reapply in 6 months, will not be using this company again”
“I have been trying since December, 2024, to get my virtual card back on my app. No one has been able to help me after months of emails. It is now February, 2025. It's ridiculous that this can't be done in a timely manner. I love using Zip, but without a virtual card, you can't order anything online. Their customer service stinks!!! 👎🏼”
“These people are worst you pay your stuff on time. They find an excuse to block you out of your account so you pay off stuff like they say and they still give you an excuse so you can’t use your account then you try to close your account and it won’t let you close it so you have to close out your whole bank account. They are a scam. Don’t trust them.”
