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Business Profile

Financial Technology

Chime Financial, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Financial Technology.

Complaints

Customer Complaints Summary

  • 7,648 total complaints in the last 3 years.
  • 2,045 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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:07/23/2025

    Type:Billing 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.
    To Whom It May Concern,I am filing this complaint against Chime Financial due to their failure to properly investigate and resolve unauthorized transactions on my account, and their ongoing refusal to cooperate with law enforcement regarding my case.I was incarcerated from December 9, 2021, until April 29, 2022. During this time, over $14,000, including the majority of my 2021 IRS tax return, was stolen from my Chime account. The individual who unlawfully accessed and used my account is JuanTreno Biddles **** located in *******, *********Upon learning about these unauthorized transactions, I filed a formal dispute with Chime and provided all available documentation. Despite being clearly unable to access my account during my incarceration, Chime denied my dispute without a proper investigation or justification.Additionally, a detective assigned to my case thoroughly reviewed the situation and confirmed that I did not authorize the transactions nor did I grant access to Mr. ******* or any other individual. However, Chime has repeatedly refused to provide the police with account information necessary to further the investigation, effectively obstructing justice and preventing accountability.This lack of cooperation and failure to follow proper fraud investigation procedures has caused me significant financial harm and emotional distress. I have already submitted a complaint with the Consumer Financial ***************** (CFPB), but I am now bringing this matter to the Better Business Bureau in an effort to seek resolution and accountability.I am requesting a full reimbursement of the stolen funds and a formal acknowledgment of Chimes failure to act in accordance with consumer protection standards and banking regulations.Sincerely,Miykiah ***** **********************

    Business Response

    Date: 07/31/2025

    Chime is in receipt of the rejection notice related to your prior BBB complaint.

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

    We appreciate you sharing your feedback with us. We're dedicated to creating the best experience possible and greatly appreciate your input.


    Customer Answer

    Date: 07/31/2025

    Better Business Bureau:

    Can you elaborate, I dont understand the response from the business. 

    Sincerely,

    Miykiah *****

  • Initial Complaint

    Date:07/20/2025

    Type:Sales and Advertising 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.
    I lost my wallet and phone during a bike ride along a trail. My phone had no lock and my SS Card was in my wallet. When I finally received my new phone I logged into my accounts and noticed over $600 was missing from my chime account that went into some online merchant I never heard of nor used. I disputed all of those charges and with chimes incompetence they denied my disputes even after explaining exactly what happened. I filed a complaint about this with the ***, CFPB and I am also going to sue them for causing me mental health illness such as depression, anxiety and stress.

    Business Response

    Date: 07/28/2025

    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.


    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: 07/29/2025

    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.

    Sincerely,

    *** ********

  • Initial Complaint

    Date:07/18/2025

    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 have been with chime since 2020 I been getting direct deposits from social sec*rity administration for over 2 years and I am j*st realizing they have been taken my money for a very long time and also charging me a fee to take my own money that is mine b*t they keep making me pay interest on my own money and they keep doing this every month it's starting to affect me and my living I can't pay all my bills beca*se they are not giving me all my money in my checking acco*nt they are p*tting it into a separate acco*nt and I can't see that and then making me pay a fee to take my own money o*t b*t also taken my money every month pl*s the fee so I dont think this is OK I am not going to contin*e to be there c*stomer no more I am changing my direct deposit it will not be with this company no longer they are not going to keep *sing me for my own money and then charging me for it and also taken more every month please c*t all these foren company's please these ppl j*st want are American money it's not there's please I pray this stops soon thank yo* Ms.******* * can reach me at ********** . They keep taken my money and making me pay them a fee pl*s they keep taken my money every month this is a hard ship for me and I am also cancel with this company as of Monday 21 of J*ly 2025.

    Business Response

    Date: 07/25/2025

    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.

    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:07/18/2025

    Type:Product 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.
    7/11/25 -**************** for $249.60 was told by guitar center and by CHIME that refund would be back in 3-5 days. It wasnt, contacted chime again they move time frame to 5-7 days

    Business Response

    Date: 07/25/2025

    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.

    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:07/18/2025

    Type:Product 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 had ordered a replacement debit card from Chime and they told me it would take 7-10 business days to receive. When I did not receive it I contacted them, they asked me to verify my address which I did and they asked me to wait two more days. After it still did not arrive I contacted them again and they stated it was because I had a PO Box for a shipping address. I have never had a PO Box. I asked them when and how this change was made and was told they couldn't verify it. After updating my shipping address they told me it would be another 7-10 business days before receiving the card. When I told them that since I could not access my money for a month before receiving this new card I would like it to be sent in a quicker manner and that I would even pay for it to be shipped quicker they told me it was impossible to ***** is unacceptable for me to not have access to my money for a month now especially since this was a mistake on their end and them refuse to take any action to resolve the problem.

    Business Response

    Date: 07/25/2025

    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.

    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:07/18/2025

    Type:Product 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.
    May 29th 2025 CHIME DISPUTE-REPORTING SPAM Messenger under facebook:Seller:******* Chihuahua puppies for adoption and rehoming.She sent a fake AKC for to make it look real.She requested me to pay her $200.00 to use Chime to pay her money as a down-payment. Gave me a name"$******-******" . I downloaded Chime and added $200.00. Copied and pasted the name as above. Send to in the Chime app it showed there was and error and didn't give me the option to confirm it and it was sent to the name ****** **** which was wrong name that popped up on screen. I tried to cancel the transaction immediately while it was still pending. Which after talking to other employees said it could of been cancelled. The guy I talked to refused to cancel the transaction and said I would need to place a dispute and it would take 2 to 7 ******* this ******* person on messenger ******** tried to get me to go through other cash apps , different peoples names and gift cards to get money and I refused because there is no way to trace the money. She had **************** to contact me to deliver the dog for $1,900.00 to *********. I knew this was a scam and reported them to BBB. Chime was notified and documents sent for proof. After 3 disputes they denied all and refused to refund the $200.00. I think they hire a hackers to obtain money from people. When I downloaded Chime I have had problems my accounts and everything. I feel I have been targeted by an imposter pretending to be a real person or organization. Beware of Chime they have done this to many people. Read the complaint reports. I agree with all of them. They should not be in business.

    Business Response

    Date: 07/25/2025

    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.


    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:07/18/2025

    Type:Order 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.
    Escalate the refund per disputed transaction so funds are available immediately.Dispute ******** Thank you

    Business Response

    Date: 07/25/2025

    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.

    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: 07/25/2025

    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.  They refunded. 

    Sincerely,

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

  • Initial Complaint

    Date:07/18/2025

    Type:Customer Service 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.
    On July 18, 2025 i received an email from Chime saying they were going to close my account on August 18, 2025 with no form of explanation and I even tried to call customer service to get a reason for closing and I was told that I couldn't be given a reasoning.Only that it was general information and they can't tell me specifically why. I asked about reopening an account and they said I couldn't with no reasoning for that as *******'s very frustrating when the company customer service support itself can't provide a specific reasoning and they can just decide to close your account with no explanation.

    Business Response

    Date: 07/25/2025

    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.

    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:07/18/2025

    Type:Product 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 ID was stolen and bank has multiple charges on account and triple charged on some .

    Business Response

    Date: 07/25/2025

    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.

    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:07/17/2025

    Type:Product 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 use (albeit NOT for much longer) the Chime banking app/Bankcorp dba Chime. I received a check from a client on Tuesday 07/15 as a 50% deposit on a job which I am contracted to have completed by end of day on Saturday 07/19. The check deposited was in the amount of $1771.87 and was paid to me for the purposes of procuring the necessary materials to fulfill my obligations by the date stated in the contractual agreement. The deposit, which was made around 3:00pm CST will be fully processed with funds available in my account until Tuesday 07/22. This is an unreasonable and unnecessary hold period. That check could be verified in a matter of minutes. Probably seconds if they wanted. I can accept a processing wait time, if it's reasonable. ***** hours is ample time for processing a deposit. 7 days is unacceptable, unreasonable, unethical and I believe it, criminal. If a bank or financial institution is regularly imposing these wait times, they're obviously using the many millions of dollars that is "being processed by the system"for the purposes of investment or market manipulation in order to earn themselves a quick profit using their preferred currency. Someone else's. I just got off the phone with "**** ******", the last of the last line of supervisors employed by Chime/Bankcorp. I suppose that makes her CEO or something. Although, I would think the CEO would have some say-so in the way things are handled over there. "**** ******" and the others in ***************** are able to do absolutely nothing. "**** ******" was a **************** Supervisor." The top of the food chain and she's two rungs above "Jade, Virtual Assistant" and one rung above "******, **************** with whom I spoke last night as well as the night before. I was told by everyone,"There's nothing you or I can do and you can't do anything else with the check now either." I'll bet I can have a stop-payment issued and a new check written.

    Business Response

    Date: 07/23/2025

    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.

    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 NOT a BBB Accredited Business.

To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

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