CFPB Consumer Complaint Profile
Climb Credit Inc.
What 550 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-05-15
- 550
- Total complaints
- 392
- Last 12 months
- 98.7%
- Timely response
- 45
- States affected
The verdict
Climb Credit Inc. ranks #475 of 3,848 financial companies by CFPB complaint volume, with 550 complaints on record. Its on-time response rate is 98.7%, ahead of the 93% median among companies with 100+ complaints.
- #475
- of 3,848 companies by volume
- 98.7%
- answered on time
- Student loan
- most-complained product
- 45
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 4 |
| 2017 | 3 |
| 2018 | 1 |
| 2019 | 2 |
| 2020 | 5 |
| 2021 | 5 |
| 2022 | 14 |
| 2023 | 38 |
| 2024 | 57 |
| 2025 | 317 |
| 2026 | 104 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Climb Credit Inc.
The CFPB Consumer Complaint Database has logged 550 complaints against Climb Credit Inc. overall, with 392 of those filed in the trailing 12 months. Reports have come from consumers in 45 states and territories, making this a nationwide complaint footprint. The single largest complaint category is "Student loan," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Dealing with your lender or servicer" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Climb Credit Inc.'s timely response rate stands at 98.7%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is at or above benchmark levels, a sign the company handles intake and escalation well. In 66.7% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. 1.1% of resolved complaints ended with some monetary or non-monetary relief for the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Climb Credit Inc. have?
Climb Credit Inc. has 550 total consumer complaints filed with the CFPB, with 392 filed in the last 12 months.
Does Climb Credit Inc. respond to complaints on time?
Climb Credit Inc.'s CFPB timely-response rate is 98.7%. That is a strong response record by CFPB standards.
What product generates the most complaints for Climb Credit Inc.?
"Student loan" draws more CFPB complaints against Climb Credit Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Climb Credit Inc.?
"Dealing with your lender or servicer" is the single most frequently cited issue in complaints against Climb Credit Inc. - see all issues and counts above.
How do I file a complaint against Climb Credit Inc.?
You can file a complaint against Climb Credit Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Climb Credit Inc.?
Climb Credit Inc. has drawn CFPB complaints from 45 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~550)
Also handles Student loan
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.