Zip complaint?

Do you have a dispute or a bad customer experience with Zip? Report it through our website to maximize the chance of getting it resolved.

We help you write an effective complaint in minutes. Our AI models are trained on thousands of effective complaint letters. Then we push it through emails, social media, paper complaint letters and other tools at our disposal. And you are not alone: our helpful community is there for advice.

The Zip customer service number in Australia is 02 8294 2345, and the Zip customer care email is hello@care.zip.co; the Zip help centre also has a web form and a chat assistant. For a formal complaint, the Zip complaints page lists an online form, a separate complaints email that is in the contact details above, the same phone number and a postal address in Sydney. Have your Zip account email, the product (Zip Pay, Zip Plus, Zip Money or a personal loan) and the statement or transaction in question ready. Zip customers in New Zealand and the US are served by Zip's local companies and should use the support routes for their own country in the Zip app or on the Zip site for that country.

Fee, repayment or refund problem with Zip? Start your complaint here as well, and we push it out to Zip by email, social media and printed letters.

Zip Pay charges a monthly account fee, and Zip says it waives the fee when you pay the statement closing balance in full by the due date. Making only the minimum repayment does not clear the closing balance, so the fee can still apply for that month. Check the closing balance and the due date on each statement, and pay that amount, not just what you spent since your last payment. If a fee appeared in a month you believe you cleared the balance, compare the statement with the payment date on your bank record and raise it with Zip in writing.

Account fee charged for a month you paid in full? Put it to us: we line your statements up in one complaint, and other Zip customers charged the same way can back you up.

Yes: in Australia, Zip says its dedicated Australia-based support team helps customers experiencing financial vulnerability or hardship, and the Zip complaints page gives 02 8294 2345 and hello@care.zip.co for that team. Explain in writing what has changed, such as income, work or health, what you can afford to repay and from when, and which Zip account it concerns. Ask Zip to confirm any arrangement in writing, including what happens to fees and repayments while it runs, and keep that confirmation with your statements. The Zip complaints page also allows a representative, such as a financial counsellor, a family member or a friend, to act for you once you have told Zip that you authorise them.

Hardship request turned down, or an arrangement you cannot keep up with? Take it through our complaint process: our trained AI opens a case for you and keeps coaching you on what to send Zip next.

Yes: in Australia, the Australian Financial Complaints Authority (AFCA) handles complaints about credit, finance and loans from customers of its member firms, and the Zip credit business is a member. AFCA generally expects Zip to have had the chance to put things right first, so keep a record of every call, email and chat with Zip.

Repayment or refund dispute with Zip? We help you write the complaint in minutes, with the statements, payments and dates set out side by side.

No. Zip says it will never contact you and ask you to download or install an app or software, which is how remote access scams take over a phone or computer. Zip also advises never to give personal, account or password details through a text, an email or a link.

Nothing has been reported about Zip here yet. Our research shows what typically goes wrong at buy now, pay later and credit apps in Australia: monthly account fees charged on a balance the customer thought was clear, repayments taken on a different date or from a card that was meant to be removed, merchant refunds that are slow to come off the balance, credit limits cut or accounts frozen, hardship requests that take time to be agreed, and accounts that are hard to close.

Store refund not yet taken off your Zip balance? Be the first to report it: your case opens the record the next Zip customer checks before choosing a repayment plan.

Your complaint gets its own public page on Complain.biz and we get to work: we bring it to the attention of Zip through emails, social media, paper complaint letters and other tools at our disposal.

And we stay with it after you file. Our trained AI opens a case file for you and keeps coaching: what to reply, when to push again, and how to escalate if nothing happens.

Yes. We have an active community of consumers, and complaints here are public: people who ran into the same problem with Zip can give you advice or back you up with their own story. A complaint with a community behind it is much harder to overlook.