Debt collection
Chime debt collection complaints
Consumers have filed 237 complaints about Chime's debt collection, 148 in the last 12 months (+151%). Chime answered 100% on time and closed 4% with relief. See the whole Chime record.
Chime against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Chime | 148 | 100% | 4% |
Latest Chime debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Jul 13, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to arrest you or take you to jail if you do not pay | Explained |
| Jul 12, 2026 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Jul 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 8, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 7, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jul 3, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 1, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 29, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 25, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 25, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 23, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 23, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jun 22, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 20, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 19, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 16, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 14, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 13, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jun 13, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 11, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 11, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Jun 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 9, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 9, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 1, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 29, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 28, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| May 27, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 25, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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