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

CFPB complaint data Grade D 97 complaints

Climb Credit Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 28 states, reputation grade D.

Complaints by issue type

What consumers report about Climb Credit Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record climb-credit-inc Climb Credit Inc.

Grade D · 97 CFPB filings · 99% timely · lead issue: Took or threatened to take negative or legal action

  • VOL 97
  • GRADE D
  • 12MO 75
  • STATES 28
  • TIMELY 99%
  • ISSUE Took or threatened to take…
  • RANK #824
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Debt Management Incorporated (97 complaints)

Debt Management IncorporatedDebt Management Incorporated97Jacob Law Group, PLLCJacob Law Group, PLLC97MS Services LLCMS Services LLC97Tromberg, Miller, Morris & Partners, PLLCTromberg, Miller, Morris & P…97Climb Credit Inc. (this)Climb Credit Inc. (this)97
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Climb Credit Inc.'s 97 CFPB complaints sit next to Debt Management Incorporated 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 →

How the 97 complaints break down

Every complaint issue type on record for Climb Credit Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
50.4/100
Climb Credit Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
97
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

Climb Credit Inc. spreads filings across 28 states - New York leads at only 12.4%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
New York still leads at 12.4% across 28 states
Seasonal peak
2025-06 12.9%
8–15% band · 4 filings
Corpus ranks
#824 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Climb Credit Inc. compare to its peers?

How does Climb Credit Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Climb Credit Inc. National average
Complaints (last 12 mo)lower is better
75
40
268
Timely-response ratehigher is better
99%
37%
91%
Consumer-dispute ratelower is better
0%
17%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Climb Credit Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 20%40%60%80%100%120% 0%20%40%60% Timely response rate (%) Dispute rate (%) Climb Credit Inc. vs. 9 similar-volume peers, by response speed and dispute rate Debt Management IncorporatedJacob Law Group, PLLCMS SERVICES LLCVELO LAW OFFICEJohn C. Heath, Attorney at Law, PLLCDiversified Acceptance CorporationCredit Bureau of the South, Inc.Berman & Rabin, P.A.Augusta Collection Agency, Inc.
Source: CFPB Consumer Complaint Database

Climb Credit Inc.'s complaint volume in context

Climb Credit Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

97 Top 15% higher than 85% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). This entry sits in this band. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Climb Credit Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2020-11 2026-02

Issue Detail Breakdown

Issue Complaints
Took or threatened to take negative or legal action
37
Attempts to collect debt not owed
34
False statements or representation
10
Written notification about debt
8
Communication tactics
5
Electronic communications
3

Where do complaints against Climb Credit Inc. come from?

Climb Credit Inc.'s own per-state count, not a national baseline.

Top states by complaints against Climb Credit Inc.

Across 28 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Climb Credit Inc.: 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: 97.

4 peers

Know your rights before responding to Climb Credit Inc.: 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.