Loan servicer · complaint record
Climb Credit complaints
Filed under Climb Credit Inc.
Consumers have filed 804 complaints about Climb Credit since 2015, 446 of them in the last 12 months (+81% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical loan servicer. The most common problem is dealing with your lender or servicer. It is the 7th most complained-about of 47 student loan servicers this year.
Weak response record. How it works
- Complaints on record
- 804
- Last 12 months
- 446
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 10
- Rank
- #7 of 47
Since May 2015
+81% vs the year before
Industry: 68.4%
Typical loan servicer: 2%
Newest: Nov 3, 2026
Most complained-about student loan servicers
Climb Credit complaints by month
The busiest month was December 2025 (63 complaints). Complaints in the last 12 months are up 81% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Climb Credit answered last 12 months
- Closed with explanation446100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend2/15+81% vs last year
What Climb Credit complaints are about
Top Climb Credit problems last 12 months
Inside "Dealing with your lender or servicer"
- Received bad information about your loan 130
- Trouble with how payments are being handled 73
- Don't agree with the fees charged 42
- Problem with customer service 24
- Need information about your loan balance or loan terms 7
- Keep getting calls about your loan 7
Where Climb Credit complaints come from
Most complaints: Texas (95), California (82), Florida (79), New York (78), Georgia (42).
Climb Credit compared with other student loan servicers
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Edfinancial ServicesStudent loans | 55 | 2,684 | C |
| 2 | Sallie MaeStudent loans | 93 | 1,112 | A |
| 3 | NavientStudent loans | 61 | 617 | C |
| 4 | Climb CreditStudent loans | 47 | 446 | D |
| 5 | AES / PHEAAStudent loans | 96 | 307 | A |
| 6 | Heartland Payment SystemsStudent loans | 36 | 216 | D |
| 7 | AscentStudent loans | 46 | 81 | D |
| 8 | Georgia Student Finance AuthorityStudent loans | 13 | 76 | F |
Compare side by side: Climb Credit vs Edfinancial Services · Climb Credit vs Sallie Mae · Climb Credit vs Navient · Climb Credit vs AES / PHEAA
What people say about Climb Credit
All experiencesNo experiences with Climb Credit yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Climb Credit complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 3, 2026 | Student loans | Getting a loanHigh pressure sales tactics or recruiting | Explained |
| Nov 2, 2026 | Student loans | Getting a loanConfusing or misleading advertising | Explained |
| Oct 29, 2026 | Student loans | Struggling to repay your loanBankruptcy | Explained |
| Oct 28, 2026 | Student loans | Dealing with your lender or servicerDon't agree with the fees charged | Explained |
| Oct 26, 2026 | Student loans | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 25, 2026 | Student loans | Struggling to repay your loanCan't temporarily delay making payments | Explained |
| Oct 21, 2026 | Student loans | Dealing with your lender or servicerDon't agree with the fees charged | Explained |
| Oct 21, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 21, 2026 | Student loans | Getting a loanLoan opened without my consent or knowledge | Explained |
| Oct 18, 2026 | Payday & personal loans | Problem with additional add-on products or services | Explained |
| Oct 16, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 14, 2026 | Student loans | Dealing with your lender or servicerKeep getting calls about your loan | Explained |
Questions about Climb Credit
How many complaints does Climb Credit have?
Climb Credit has 804 complaints on record since May 2015, including 446 in the last 12 months and 10 in the last 30 days. That makes it number 211 of every company by complaints this year.
Does Climb Credit respond to complaints?
Yes. Climb Credit answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 47/100 (grade D).
What do people complain about most with Climb Credit?
The most common problems are dealing with your lender or servicer (284), getting a loan (126), incorrect information on your report (85).
Is Climb Credit legit?
Climb Credit is a real company with a public complaint record: consumers have complained about it 804 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Climb Credit legit? for the signals, red flags and how to protect yourself.
Are complaints about Climb Credit going up or down?
Up. There were 446 complaints in the last 12 months against 247 in the 12 before (+81%). See every month.
How do I file a complaint against Climb Credit?
Complain to Climb Credit in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Climb Credit complaints come from?
Most come from Texas (95), California (82), Florida (79). Big states file more complaints, so the map shows complaints per 100,000 people.
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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