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 25, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 16, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 10, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jul 9, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 7, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 4, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jul 4, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
| Jul 1, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
| Jun 24, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| May 19, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 18, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| May 12, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Apr 25, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Apr 20, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 14, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 9, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 29, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 7, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Jan 23, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jan 23, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 22, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jan 18, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Dec 31, 2024 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Dec 13, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 11, 2024 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 18, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Nov 18, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Nov 11, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Oct 1, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Sep 6, 2024 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | 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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