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Business Profile

Financial Technology

Chime Financial, Inc.
BBB accredited business seal
BBB Accredited BusinessA-Rated by BBB

Important information

Complaints

Customer Complaints Summary

  • 7,515 total complaints in the last 3 years.
  • 2,053 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Sort by

Complaint status

Complaint type

  • Initial Complaint

    Date:09/16/2025

    Type:Service or Repair Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    There was a referral bonus. The referee and I completed it. This has been confirmed numerous times by Chime. Yet, ive called in more than 10 times to receive my bonus. I have only received a portion of it.

    Business Response

    Date: 09/22/2025

    At Chime, protecting the privacy and security of our members is a top priority. Due to the sensitive nature of account-specific information, we are unable to discuss individual account details.

    If you are a Chime member and we find that additional correspondence is needed, we may reach out to you.

    For any additional questions or if you need further assistance, our *************** team is available and happy to help. You can reach us directly by calling ************.

    Customer Answer

    Date: 09/23/2025

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. Its not stated in their reply but they sent me the owed money. 

    Sincerely,

    ***** *********

  • Initial Complaint

    Date:09/15/2025

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    My Chime checking account was charged $128.38 from a company called Chewtopia on Feb 5 2025. I have disputed the charge multiple times but CHIME refuses to help even though its clear this business does NOT exist! Chime will tell me that they are going to send me a link to upload additional documentation to prove that this business doesnt exist but each time they send me a link that is not legitimate. I have attached photos. Ive been waiting for this refund for seven months now. Please help. Chime is clearly a scam. Furthermore, the tracking number does not exist, according to ******.

    Business Response

    Date: 09/19/2025

    At Chime, protecting the privacy and security of our members is a top priority. Due to the sensitive nature of account-specific information, we are unable to discuss individual account details.

    If you are a Chime member and we find that additional correspondence is needed, we may reach out to you.

    For any additional questions or if you need further assistance, our *************** team is available and happy to help. You can reach us directly by calling ************.

  • Initial Complaint

    Date:09/14/2025

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    They play with your direct deposit and they play with the spot me

    Business Response

    Date: 09/19/2025

    At Chime, protecting the privacy and security of our members is a top priority. Due to the sensitive nature of account-specific information, we are unable to discuss individual account details.

    If you are a Chime member and we find that additional correspondence is needed, we may reach out to you.
     
    For any additional questions or if you need further assistance, our *************** team is available and happy to help. You can reach us directly by calling ************

  • Initial Complaint

    Date:09/13/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    My bank account was hacked I contacted chime bank and filled a dispute and they denied it and they refused to do anything about it I told them I did not authorize the transaction and they still said there is nothing they can do

    Business Response

    Date: 09/18/2025

    At Chime, protecting the privacy and security of our members is a top priority. Due to the sensitive nature of account-specific information, we are unable to discuss individual account details.


    If you are a Chime member and we find that additional correspondence is needed, we may reach out to you.


    For any additional questions or if you need further assistance, our *************** team is available and happy to help. You can reach us directly by calling ************.

  • Initial Complaint

    Date:09/13/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Hello, I had a charge dispute that was denied. This institution didnt provide proper documentation why, and it was incorrect. I provided thorough documents that I was charged for a service I didnt receive. The company even admits, Im due a refund. But they have yet to resolve issue. Ive made several attempts.

    Business Response

    Date: 09/18/2025

    At Chime, protecting the privacy and security of our members is a top priority. Due to the sensitive nature of account-specific information, we are unable to discuss individual account details.


    If you are a Chime member and we find that additional correspondence is needed, we may reach out to you.


    For any additional questions or if you need further assistance, our *************** team is available and happy to help. You can reach us directly by calling ************.

  • Initial Complaint

    Date:09/12/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Chime Checking Account they are stealing my money out of my Bank Account and when I see the transactions sometimes twice in 24 hours and acknowledged them they tell that I have to dispute them and it takes up to 90 days and give me a temporary credit for the amount of the dispute. And after the dispute is over they denied mymoney back. And have toeven watch my money even when I put in the Account because before I get to the store they have already tooken the money out of my account before I get to use it for myself .

    Business Response

    Date: 09/19/2025

    At Chime, protecting the privacy and security of our members is a top priority. Due to the
    sensitive nature of account-specific information, we are unable to discuss individual
    account details.

    If you are a Chime member and we find that additional correspondence is needed, we
    may reach out to you.

    For any additional questions or if you need further assistance, our *************** team
    is available and happy to help. You can reach us directly by calling ************.


  • Initial Complaint

    Date:09/12/2025

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I was scammed out of 2300 on my chime banking account. I got texts stating fraudulent activity on my account and they asked if I approved these purchases and I stated no. Then I got a call from a suspected chime ***resentative who turned out to be a scammer. I thought they were a chime *** because they knew my account number and knew how much was in my account and everything. So I called chime from my chime app and come to find out it was a scam according to chime. I opened an investigation and provided screen shots from the texts as well as from the 18 minute phone call. Chime said I cant get my money back because the account that my money went into was closed which is a huge red flag that it was a scammer. Ive gotten a lawyer and talking to my Local sheriffs department about getting my money back and chime refuses to give me my money back. I will not provide my chime account number but can verify my account

    Business Response

    Date: 09/18/2025

    At Chime, protecting the privacy and security of our members is a top priority. Due to the sensitive nature of account-specific information, we are unable to discuss individual account details.

    If you are a Chime member and we find that additional correspondence is needed, we may reach out to you.

    For any additional questions or if you need further assistance, our *************** team is available and happy to help. You can reach us directly by calling ************.


  • Initial Complaint

    Date:09/12/2025

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Got chime+ and direct deposited over 200 minimum within required 30 day window, was supposed to match with $200, but turned into overdraft protection instead. Have had several discrepancy disputes submitted, most are denied despite unauthorized transactions reported. My account was accessed while incarcerated, and proof was provided, yet the amounts reported were not included in the claim even though I filed them with a customer service representative in charge of identity/card theft recovery and resolutions.

    Business Response

    Date: 09/19/2025

    At Chime, protecting the privacy and security of our members is a top priority. Due to the
    sensitive nature of account-specific information, we are unable to discuss individual account
    details.

    If you are a Chime member and we find that additional correspondence is needed, we may reach
    out to you.

    For any additional questions or if you need further assistance, our *************** team is
    available and happy to help. You can reach us directly by calling ************.


  • Initial Complaint

    Date:09/12/2025

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I have direct deposit with chime mobile banking app and my money was fraudulently stolen

    Business Response

    Date: 09/18/2025

    At Chime, protecting the privacy and security of our members is a top priority. Due to the sensitive nature of account-specific information, we are unable to discuss individual account details.

    If you are a Chime member and we find that additional correspondence is needed, we may reach out to you.

    For any additional questions or if you need further assistance, our *************** team is available and happy to help. You can reach us directly by calling ************. 

  • Initial Complaint

    Date:09/12/2025

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    False advertisement Chime has ad which says if the customer has two direct deposits each month over $300 they will receive my pay for up to $500 and also another of spot me up to $200 but this is not true for the first six months that I was with Chime they gave me $200 on my pay and I paid it back on time each month every month for six months my direct deposit did not change so instead of giving me credit for good payments like advertised they drop my my pay to $20 a month then when I complained about this saying that I should be getting promotion ,not drop down to $20 ,because my business consistency each month with direct deposit not changing and being consistently deposited . I have been with Chime for two years. I have never missed a payment or had changes to my direct deposits and they have been consistently from the ********************** every month and I have paid every ***** on time to Chime and yet they penalize me for being a good customer by going against ad now because they want to retaliate against me ,they are giving me $100 and making it two dollars a day but you can't take money out unless it's $20. So, when you have two dollars a day they are teasing me and I don't appreciate my business they are making, its impossible for me to use my pay at payment of three dollars ,next 4 dollars ,next two dollars do you see how long it's going to take to make $20 and I was getting $200 at $20 a day so that I could make withdraw now that they are making it $100 they are stressing me with giving me three dollar a day credit. This is not what the ad promises nor why I changed I changed because I was promised certain benefits with a qualifying direct deposit which have had with no changes

    Business Response

    Date: 09/18/2025

    At Chime, protecting the privacy and security of our members is a top priority. Due to the sensitive nature of account-specific information, we are unable to discuss individual account details.


    If you are a Chime member and we find that additional correspondence is needed, we may reach out to you.


    For any additional questions or if you need further assistance, our *************** team is available and happy to help. You can reach us directly by calling ************.

Chime Financial, Inc. is BBB Accredited.

BBB accredited business seal

This business has committed to upholding the BBB Standards for Trust.

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