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 |
|---|---|---|---|
| May 25, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 24, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 22, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 21, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| May 20, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 20, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 20, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 19, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 15, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 7, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 7, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| May 5, 2026 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | Explained |
| May 2, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 27, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 24, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 15, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 15, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Apr 10, 2026 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Fixed |
| Apr 8, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Apr 6, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Apr 3, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 3, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Apr 1, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 28, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 27, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 25, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Mar 23, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 22, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Mar 19, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 17, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | 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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