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 |
|---|---|---|---|
| Jan 22, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 21, 2026 | Debt collection | Threatened to contact someone or share information improperlyContacted you after you asked them to stop | Explained |
| Jan 19, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jan 17, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jan 16, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jan 15, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jan 12, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jan 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 8, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jan 8, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jan 6, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Fixed |
| Dec 22, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Dec 16, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Dec 11, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 11, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Dec 8, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 7, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Dec 6, 2025 | Debt collection | Took or threatened to take negative or legal actionCollected or attempted to collect exempt funds | Explained |
| Dec 6, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 5, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 4, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 27, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 25, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 22, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Nov 22, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
| Nov 18, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 18, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 17, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 15, 2025 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Fixed |
| Nov 14, 2025 | Debt collection | Communication tacticsFrequent or repeated calls | 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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