What is the most common complaint against Climb Credit Inc.?

The most common issue consumers report about Climb Credit Inc. is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 97 complaints filed with the CFPB.

Are complaints against Climb Credit Inc. increasing or decreasing?

Complaints against Climb Credit Inc. are rising. The company received 75 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Climb Credit Inc.'s reputation grade?

Climb Credit Inc. has a reputation grade of D (score: 50.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Climb Credit Inc. respond to consumer complaints?

Climb Credit Inc. has a 99% timely response rate to CFPB complaints.

In how many states does Climb Credit Inc. operate?

Climb Credit Inc. has received CFPB complaints from consumers in 28 states, with the most complaints from New York (12 complaints).

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

Climb Credit Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 28 states, reputation grade D.

Compiled by PlainCollector

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

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 #824 · compose #4116

VOL 97
GRADE D
12MO 75
STATES 28
TIMELY 99%
ISSUE Took or threatened to take…
RANK #824
COMPOSE #4,116

Volume peers

Nearest volume peer: Debt Management Incorporated (97 complaints)

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 →

Distributed filing map

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

Despite a broad state map, Climb Credit Inc. still sits volume #824 against composite #4,116 - the two RankMaps diverge by 3,292 places. 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
Divergent corpus ranks: #824 volume; #4,116 composite; Cleanest-composite ladder is 3,292 places worse than volume

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

268

Timely-response ratehigher is better

99%

37%

91%

Consumer-dispute ratelower is better

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

New York

12
Texas

10
Arizona

9
Florida

9
Georgia

8
California

7
New Jersey

5
Indiana

3

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.