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

Data updated July 2026

D

Grade D · 54.2/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

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

The verdict

A reputation grade of D: Climb Credit Inc. ranks ahead of 23% of the 5,283 collectors PlainCollector grades - 77% keep a cleaner CFPB record, on 97 all-time complaints and a 99% timely-response rate.

23rd pct
reputation rank of 5,283 graded collectors
97
CFPB complaints, all-time
99%
answered inside the CFPB window
75
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 Climb Credit Inc.?

Climb Credit Inc. has accumulated 97 total CFPB complaints across 28 states, with 75 filed in the most recent 12 months against 22 historical complaints before that window. The trailing-12-month volume represents 77.3% 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 "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged". The company posts a 99% timely-response rate.

Complaints have been recorded across 28 states, led by New York with 12 and Texas with 10. Normalized against the full CFPB collector database, the reputation score of 54.2/100 places Climb Credit Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

97

low-volume (CCDB)

Last 12 months

75

77.3% of all-time complaints

Rising ↑

States active

28

multi-region footprint

Timely response rate

99%

excellent band

Reputation grade

D

54.2/100 composite

How does Climb Credit Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

54 Bottom 23% higher than 23% 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

Climb Credit Inc. versus the debt-collection vertical average.

Timely response within SLA 98.6%
Vertical avg

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

State coverage breadth 50.0%

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

How does Climb Credit Inc. compare to its peers?

How does Climb Credit Inc. compare? Versus a similar-volume peer and the national average, 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.

Complaint Trend (24 months)

2020-11 2026-02

Issue Detail Breakdown

Issue Sub-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

What to do if Climb Credit Inc. contacts you

A grade of D signals how Climb Credit 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 Climb Credit 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 Climb Credit 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 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: 54.2/100), 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).

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.