Consumer complaint received 2026-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Zip Co US Inc.
State: WA

Complaint narrative:
I placed an order on XXXX website on XX/XX/XXXX and paid via Zip financing for a total order of {$240.00} that was supposed to be split up into 8 payments, which is what I had agreed to via Zip. Somehow, my order duplicated on XXXX XXXX website and created 4 separate total orders ( 3 were duplicated ). I then contacted Zip Financing regarding receiving several emails stating my obligation to them going from {$240.00} ( this was with their finance charge of {$8.00} ) to {$1200.00} ( this total is with their finance charge ) and I let them know how much my order was supposed to be ( {$240.00} ) and that this was incorrect and I was then told it'll take about 13 days for charges to drop off. Well these additional charges did not drop off my payment plan. In the meantime, I was also conversing with XXXX, and after contacting the XXXX, I was refunded for the 3 duplicate orders ( in the amount of {$730.00} ) on XX/XX/XXXX from XXXX as they recognized this was an issue on their end. Somehow my balance with Zip was still {$480.00} after receiving XXXX XXXX refund, which clearly is double my original charge and agreement of {$240.00}. I have been back-and forth with both XXXX and Zip financing in the last 2 months regarding their possibly being another duplicate order ( a 4th one ) that I'm being charged for via Zip, or that Zip is overcharging me for an additional order that does not exist. I was assured by XXXX there were only 4 total orders total in their system ( 3 were duplicates ), which is also reflected in my XXXX account. During this time, I had also disputed the additional charge from Zip, which was never resolved, and I was even told I need to settle this with XXXX which XXXX told me I need to settle it with Zip. In the meantime, I have an ongoing dispute regarding this additional fraud/order charge with my bank as Zip last took out {$160.00} of my bank on XX/XX/XXXX causing an overpayment by me of {$120.00} ( this is amount after totally paying off my original {$240.00} charge ) for an order that doesn't even exist that Zip is charging me for. I have since then gotten a new debit card so Zip could not charge me additional charges for a fake order as my account still reflects a balance of {$120.00} ( this is with a late charge ) as I will not pay for a fraudulent order that isn't even real nor I ever received. I am adding proof of my original Truth in Lending Agreement I had agreed to in addition to the final one where orders were duplicated showing 5 total orders, not 4 being charged ( I even did the math that {$240.00} x 5 orders= {$1200.00} + {$8.00} finance fee = {$1200.00} meaning the above total is for 5 orders, not just the 4 that were on XXXX website, meaning Zip is charging for an additional nonexistent order ( this math fits perfectly with the Truth in Lending agreement that showed all the charges in the amount of {$1200.00} ). I am also included screenshots of the 4 orders on my XXXX account ( 3 were refunded via XXXX, and the communication I received from the XXXX XXXX XXXX Liaison stating my obligation in total is {$240.00}. I would respectfully request both XXXX and Zip be contacted regarding this as I have been the middle-man, which has been absolutely exhausting and neither will help me yet I have a fraudulent charge on my account and have showed proof to both agencies that I am being charged for a nonexistent order. I appreciate your help in advance, and please let me know if you need anything else from me.

Company response to consumer: Closed with explanation