Are complaints against Chaplain Financial Services LLC increasing or decreasing?

Complaints against Chaplain Financial Services LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Chaplain Financial Services LLC's reputation grade?

Chaplain Financial Services LLC has a reputation grade of F (score: 34.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Chaplain Financial Services LLC respond to consumer complaints?

Chaplain Financial Services LLC has a 13% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Chaplain Financial Services LLC operate?

Chaplain Financial Services LLC has received CFPB complaints from consumers in 28 states, with the most complaints from Illinois (5 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Chaplain Financial Services LLC - Debt Collector Complaint Profile

Q: What is the most common complaint against Chaplain Financial Services LLC?

The most common issue consumers report about Chaplain Financial Services LLC is "Took or threatened to take negative or legal action", specifically "Debt is not mine". This is based on 48 complaints filed with the CFPB.

CFPB complaint profile across 28 states, reputation grade F.

Compiled by PlainCollector

Took or threatened to take negative or legal action

13
Cont'd attempts collect debt not owed

10
Communication tactics

8
Attempts to collect debt not owed

7
Threatened to contact someone or share information improperly

3
Written notification about debt

2

Data updated September 2026

CFPB complaint disposition

CCDB record chaplain-financial-services-llc Chaplain Financial Services LLC

Grade F · 48 CFPB filings · 13% timely · lead issue: Took or threatened to take negative or legal action · vol #1220 · compose #5120

VOL 48
GRADE F
12MO 0
STATES 28
TIMELY 13%
DISPUTE 0%
ISSUE Took or threatened to take…
RANK #1,220
COMPOSE #5,120

Volume peers

Nearest volume peer: ABR Recovery Services LLC. (48 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Chaplain Financial Services LLC's 48 CFPB complaints sit next to ABR Recovery Services LLC. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Distributed filing map

Chaplain Financial Services LLC spreads filings across 28 states - Illinois leads at only 10.4%

Despite a broad state map, Chaplain Financial Services LLC still sits volume #1,220 against composite #5,120 - the two RankMaps diverge by 3,900 places. Corpus placement method.

Most-even geography: Lead state under 15%; Illinois still leads at 10.4% across 28 states
Seasonal peak: 2022-05 14.3%; 8–15% band · 1 filings
Divergent corpus ranks: #1,220 volume; #5,120 composite; Cleanest-composite ladder is 3,900 places worse than volume

How does Chaplain Financial Services LLC compare to its peers?

How does Chaplain Financial Services LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Chaplain Financial Ser… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

13%

94%

91%

Consumer-dispute ratelower is better

28%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-05 2025-10

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	13
Cont'd attempts collect debt not owed	10
Communication tactics	8
Attempts to collect debt not owed	7
Threatened to contact someone or share information improperly	3
Written notification about debt	2
Disclosure verification of debt	2
Taking/threatening an illegal action	2
False statements or representation	1

Where do complaints against Chaplain Financial Services LLC come from?

Chaplain Financial Services LLC's own per-state count, not a national baseline.

Illinois

5
California

4
District of Columbia

4
Texas

4
Florida

3
North Carolina

2
Wisconsin

2
Alabama

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Chaplain Financial Services LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 48.

4 peers

Know your rights before responding to Chaplain Financial Services LLC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.