Total CFPB complaints
48
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 48 complaints
Chaplain Financial Services LLC — Debt Collector Complaint Profile
CFPB complaint profile across 28 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Chaplain Financial Services LLC
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
13 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
9 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
6 complaints
- Communication tactics
Communication tactics
6 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
- Written notification about debt 2
Written notification about debt
2 complaints
F
Grade F · 38.3/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Chaplain Financial Services LLC?
Chaplain Financial Services LLC has accumulated 48 total CFPB complaints across 28 states, with 0 filed in the most recent 12 months against 48 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 13% timely-response rate against a 0% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 28 states, led by Illinois with 5 and Texas with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 38.3/100 places Chaplain Financial Services LLC in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
28
Distinct state filings
Timely response rate
13%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
F
38.3/100 composite
Response-quality profile
How Chaplain Financial Services LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 12.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 50.0%
Share of US states + territories with at least one filed complaint against this collector.
How does Chaplain Financial Services LLC compare to its peers?
Chaplain Financial Ser… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2016-11 2020-03
Top Consumer Issues
Cont'd attempts collect debt not owed9 (%)
Took or threatened to take negative or legal action13 (%)
Attempts to collect debt not owed6 (%)
Communication tactics6 (%)
Disclosure verification of debt2 (%)
Written notification about debt2 (%)
Taking/threatening an illegal action2 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 9 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 8 |
| Attempts to collect debt not owed | Debt is not yours | 6 |
| Communication tactics | Threatened to take legal action | 4 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 3 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 2 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 2 |
Where do complaints against Chaplain Financial Services LLC come from?
The states where consumers have filed the most CFPB complaints against Chaplain Financial Services LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Chaplain Financial Services LLC
Across 28 states with at least one filing
- Illinois
Illinois
5 complaints
- Texas
Texas
4 complaints
- District of Columbia
District of Columbia
4 complaints
- California
California
4 complaints
- Florida
Florida
3 complaints
- Wisconsin
Wisconsin
2 complaints
- North Carolina
North Carolina
2 complaints
- New Mexico 1
New Mexico
1 complaints
Frequently Asked Questions
What is the most common complaint against Chaplain Financial Services LLC? ▼
The most common issue consumers report about Chaplain Financial Services LLC is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 48 complaints filed with the CFPB.
Are complaints against Chaplain Financial Services LLC increasing or decreasing? ▼
Complaints against Chaplain Financial Services LLC have been stable. The company received 0 complaints in the last 12 months.
What is Chaplain Financial Services LLC's reputation grade? ▼
Chaplain Financial Services LLC has a reputation grade of F (score: 38.3/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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).
What can I do if Chaplain Financial Services LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Chaplain Financial Services LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |