Student loans
Climb Credit: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 35
- Closed with money back
- 0
- 2023 to 2025
- 3 to 24
Climb Credit received 412 complaints from everyone in the window; 35 carried the servicemember tag. The complaints are mostly about student loan, and the single most common issue is "Dealing with your lender or servicer". 0 of the 35 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 3 in 2023 to 24 in 2025.
What the complaints are about
By product
| Student loan | 23 |
| Debt collection | 5 |
| Credit reporting or other personal consumer reports | 3 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
| Debt or credit management | 1 |
By issue
| Dealing with your lender or servicer | 14 |
| Incorrect information on your report | 4 |
| Issue with income share agreement | 4 |
| Issue where my lender is my school | 3 |
| Attempts to collect debt not owed | 2 |
| 2023: 3 | 2024: 8 | 2025: 24 |
Which accounts, specifically
| Private student loan | 23 |
| Private student loan debt | 4 |
| Credit reporting | 4 |
| Installment loan | 1 |
| I do not know | 1 |
What went wrong, specifically
| Received bad information about your loan | 8 |
| Trouble with how payments are being handled | 4 |
| Account status incorrect | 3 |
| Marketing or disclosure issues | 2 |
| Don't agree with the fees charged | 2 |
Busiest month: December 2025, with 6 servicemember complaints. Most were submitted by web.
Most complaints came from OH (5), TX (5), NC (4) , then CA, MS, FL.
How Climb Credit answered
| Closed with explanation | 35 |
Climb Credit responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Student loan; Issue with income share agreement. MS, 2024-05-06. Outcome: Closed with explanation. Complaint 8933007
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Student loan; Dealing with your lender or servicer. VA, 2024-02-21. Outcome: Closed with explanation. Complaint 8394198
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Credit reporting or other personal consumer reports; Incorrect information on your report. TX, 2023-08-26. Outcome: Closed with explanation. Complaint 7465824
If this is your problem at Climb Credit
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with student loans peers
- AES/PHEAA 103 servicemember complaints; 2% with money back
- Sallie Mae 148 servicemember complaints; 1% with money back
- Servicer under contract with Federal Student Aid 205 servicemember complaints; 0% with money back
- EdFinancial Services 378 servicemember complaints; 0% with money back
- Navient Solutions 470 servicemember complaints; 0% with money back
Next in the directory by volume: Goal Structured Solutions, Movement Mortgage, Revco Management.
Frequently asked questions
How many complaints did servicemembers file against Climb Credit?
35 complaints tagged servicemember were received by the CFPB about Climb Credit Inc. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 3 in 2023 to 24 in 2025.
What do servicemembers complain about most at Climb Credit?
Student loan accounts for 23 of the 35 complaints, and the most common issue is "Dealing with your lender or servicer" (14). Next: "Incorrect information on your report" (4).
Does Climb Credit give money back when a servicemember complains?
0 of the 35 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 35 closed with an explanation only. Climb Credit answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.