Total CFPB complaints
32
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 32 complaints
CHS, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 5 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CHS, Inc.
- Written notification about debt
Written notification about debt
8 complaints
- False statements or representation
False statements or representation
5 complaints
- Communication tactics
Communication tactics
5 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
4 complaints
- Cont'd attempts collect debt not owed 2
Cont'd attempts collect debt not owed
2 complaints
- Took or threatened to take negative or legal action 2
Took or threatened to take negative or legal action
2 complaints
D
Grade D · 54.8/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about CHS, Inc.?
CHS, Inc. has accumulated 32 total CFPB complaints across 5 states, with 0 filed in the most recent 12 months against 32 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 "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 78% timely-response rate against a 33% 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 5 states, led by Virginia with 27 and Oregon with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.8/100 places CHS, Inc. in grade band D, 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
5
Distinct state filings
Timely response rate
78%
Within CFPB SLA window
Consumer disputes
33%
After company response
Reputation grade
D
54.8/100 composite
Response-quality profile
How CHS, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 78.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 66.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 8.9%
Share of US states + territories with at least one filed complaint against this collector.
How does CHS, Inc. compare to its peers?
CHS, Inc. 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)
2015-03 2022-10
Top Consumer Issues
Written notification about debt8 (%)
False statements or representation5 (%)
Communication tactics5 (%)
Cont'd attempts collect debt not owed2 (%)
Attempts to collect debt not owed4 (%)
Took or threatened to take negative or legal action2 (%)
Disclosure verification of debt2 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 8 |
| False statements or representation | Attempted to collect wrong amount | 5 |
| Communication tactics | Frequent or repeated calls | 3 |
| Cont'd attempts collect debt not owed | Debt is not mine | 2 |
| Communication tactics | Threatened to take legal action | 2 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
Where do complaints against CHS, Inc. come from?
The states where consumers have filed the most CFPB complaints against CHS, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CHS, Inc.
Across 5 states with at least one filing
- Virginia
Virginia
27 complaints
- Oregon 1
Oregon
1 complaints
- North Carolina 1
North Carolina
1 complaints
- Michigan 1
Michigan
1 complaints
- New York 1
New York
1 complaints
Frequently Asked Questions
What is the most common complaint against CHS, Inc.? ▼
The most common issue consumers report about CHS, Inc. is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 32 complaints filed with the CFPB.
Are complaints against CHS, Inc. increasing or decreasing? ▼
Complaints against CHS, Inc. have been stable. The company received 0 complaints in the last 12 months.
What is CHS, Inc.'s reputation grade? ▼
CHS, Inc. has a reputation grade of D (score: 54.8/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does CHS, Inc. respond to consumer complaints? ▼
CHS, Inc. has a 78% timely response rate to CFPB complaints. Consumers disputed the company's response in 33% of cases.
In how many states does CHS, Inc. operate? ▼
CHS, Inc. has received CFPB complaints from consumers in 5 states, with the most complaints from Virginia (27 complaints).
What can I do if CHS, Inc. 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 CHS, Inc. 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 |