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

CFPB complaint data Grade F 195 complaints

Chime Financial Inc - Debt Collector Complaint Profile

CFPB complaint profile across 34 states, reputation grade F.

Complaints by issue type

What consumers report about Chime Financial Inc

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 51.7/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Chime Financial Inc ranks ahead of 18% of the 5,283 collectors PlainCollector grades - 82% keep a cleaner CFPB record, on 195 all-time complaints and a 100% timely-response rate.

18th pct
reputation rank of 5,283 graded collectors
195
CFPB complaints, all-time
100%
answered inside the CFPB window
143
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Chime Financial Inc?

Chime Financial Inc has accumulated 195 total CFPB complaints across 34 states, with 143 filed in the most recent 12 months against 52 historical complaints before that window. The trailing-12-month volume represents 73.3% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Threatened or suggested your credit would be damaged". The company posts a 100% timely-response rate.

Complaints have been recorded across 34 states, led by Texas with 25 and Florida with 22. Normalized against the full CFPB collector database, the reputation score of 51.7/100 places Chime Financial Inc in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

195

mid-volume (CCDB)

Last 12 months

143

73.3% of all-time complaints

Rising ↑

States active

34

multi-region footprint

Timely response rate

100%

excellent band

Reputation grade

F

51.7/100 composite

How does Chime Financial Inc's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

52 Bottom 18% higher than 18% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Chime Financial Inc versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 60.7%

Share of US states + territories with at least one filed complaint against this collector.

How does Chime Financial Inc compare to its peers?

How does Chime Financial Inc compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Chime Financial Inc National average
Complaints (last 12 mo)lower is better
143
6
268
Timely-response ratehigher is better
100%
95%
91%
Consumer-dispute ratelower is better
0%
31%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 76
Took or threatened to take negative or legal action - 53
False statements or representation - 36
Written notification about debt - 24
Threatened to contact someone or share information improperly - 3
Electronic communications - 2
Communication tactics - 1

Where do complaints against Chime Financial Inc come from?

Chime Financial Inc's own per-state count, not a national baseline.

Top states by complaints against Chime Financial Inc

Across 34 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Chime Financial Inc contacts you

A grade of F signals how Chime Financial Inc's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Chime Financial Inc and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Chime Financial Inc ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Chime Financial Inc? ▼

The most common issue consumers report about Chime Financial Inc is "Attempts to collect debt not owed", specifically "Threatened or suggested your credit would be damaged". This is based on 195 complaints filed with the CFPB.

Are complaints against Chime Financial Inc increasing or decreasing? ▼

Complaints against Chime Financial Inc are rising. The company received 143 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Chime Financial Inc's reputation grade? ▼

Chime Financial Inc has a reputation grade of F (score: 51.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Chime Financial Inc respond to consumer complaints? ▼

Chime Financial Inc has a 100% timely response rate to CFPB complaints.

In how many states does Chime Financial Inc operate? ▼

Chime Financial Inc has received CFPB complaints from consumers in 34 states, with the most complaints from Texas (25 complaints).

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

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.