Payday loan, title loan, or personal loan -- Charged fees or interest you didn't expect -- Complaint #6482199

Complaint Overview

Complaint ID: 6482199

Company: Zip Co US INC.

Product: Payday loan, title loan, or personal loan

Sub-Product: Installment loan

Issue: Charged fees or interest you didn't expect

State: Alabama

ZIP Code: 366XX

Date Received: 2023-01-24T12:00:00-05:00

Date Sent to Company: 2023-01-24T12:00:00-05:00

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I got a zip ( Quadpay ) account about a year and a half ago. Recently someone fraudulently got my information was able to get into my Zip account and fraudulently placed 3 orders and fraudulently used my card information stored in my account and paid off 3 existing payments on orders that I had that the payments weren't due yet. They also changed the phone number in my account and i was and still is unable to get into my own account. I called Zip numerous times and emailed them telling them what happened and to please close my account because for ( 1 ) a scammer has access to it and has made fraudulent orders without my permission and ( 2 ) because i no longer has access to it and even though i don't want to use it at this time, I can't. They never closed my account, never helped me gain access to my own account, and they never cancelled the unauthorized orders or purchases. They only told me about 2 weeks ago that a fraud specialist will get in touch with me within 2 to 3 days. Meanwhile, they are still trying to collect payments on the fraudulent orders that of course ( because a scammer placed them ) never got paid. The fraud specialist has only contacted me ONCE in a 2 week period and asked a very vague question that i was unclear of, and I have yet heard back from them or got clarification on that question. It is now about 3 weeks into when this incident first happened and still no resolution. I have filed a police report, done everything i was supposed to do to rectify this situation and Zip still hasn't done anything. XXXX, the escaltions rep, emailed me saying they refunded the money back to me. I emailed him right back letting him know that he refunded the money to the SCAMMER 'S CARD. Him or anyone else from this company has reached back out to me to resolve this error. I even called for a supervisor and the rep stated the supervisor would give me a call back, 3 days later, no call back. This is ridiculous the type of service and type of issues i am having with this company all because i was a VICTIM of identity theft. I NEED A SUPERVISOR LEAD, THE HIGHEST FORM OF CONTACT FOR THIS COMPANY TO GIVE ME A CALL AT XXXX. Not only did i not get the " REFUND '' but is has been given back to the SCAMMER along with the fraudulent orders that were placed! They had ample amount of time to cancel those orders when i first emailed and called them on the DAY it was initiated that I did not place those orders and someone else had access to my account. Like i stated before, if this issue is not resolved appropriately i will be taking legal action against ZIP. I have recordings, proof of email and calls, everything that I need documenting when, how, and what. Try me

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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