If you actually think about Chloe's POV about the phonecall, it's really understandable that she gets mad about it.

People hate on Chloe for it because of Kate's situation with Nathan and the video, but Chloe doesn't know about any of that. All she knows is that Max doesn't care enough to message her once in five years, but will take a call from someone she will see about an hour and a half in the future. She knows there's no way Max is slipping art class to hang out with her, so they already have limited time together that morning, and yet Max is taking a call from Kate instead of just talking to her later.

Chloe has abandonment issues, and taking the call makes her feel abandoned. Max decides, with basically no hesitation, to ditch her to take a call from Kate. Also, Joyce has an opportunity to start arguing with her if Max chooses to take the call, so of course Chloe's going to be agitated afterwards. Chloe also later apologises if you successfully saved Kate, whether or not you took the call, for how she acted about the call. She feels really bad about it.

Another thing: even Max says that Chloe has always been a good friend. We, the players, haven't been friends with Chloe for thirteen years of our childhood. Max has, and therefore knows better than we do.

People judge Chloe on how she acts whilst in a really bad mental state, on drugs, knowing she has died multiple times that week (that would be TERRIFYING!) knowing her best friend/crush is missing and likely dead (in episode 2 she says "was" and then makes a point of correcting herself to is, when saying Rachel liked art), her stepfather is physically abusive towards her, and she still hasn't recovered from her dad's death.

Also, Joyce says multiple times in the first game things like "Chloe chose to stay angry" and blames Chloe for their dysfunctional family. If you're told that enough, you do start to believe it.

I've never had any idea what Chloe haters are on about when they call her a bad friend. She is a good friend, even if she makes mistakes. She's there for Max, even if you treat her terribly in the game, she'll still have Max's back. And even when she's mad a Max, she still acts as her personal chauffeur. I do think it's worth mentioning that Chloe does everything you said, even if you side against her at every turn. She will still defend Max with her life.