Complaints

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.

• Initial Complaint

  Date:04/15/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  Date of the transaction: Jan 24th, 2025.The amount of money you paid to the business: $510.What the business committed to provide you: I opened a Chime checking account on Jan 24th, 2025 with promotion bonus of $510 after finish two $200 direct deposit, I have completed the required deposits but not received the bonus reward, I had contacted the business many times forthis issue but it refused to help resolve it. What's the nature of the dispute is: Didn't receive terms that were advertised.Whether or not the business has tried to resolvethe problem: No.If the issue involves advertising, when and where the ad was seen or heard: I saw the advertising on website ads in early January 2025.

  Business Response

  Date: 04/17/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***** ****.
   
  Between March 7, 2025 and March 12, 2025, ***** contacted us multiple times via chat regarding their $510.00 promotional bonus from InboxDollars (ID). We recommended for ***** to contact InboxDollars (ID) for more information on this promotion. They should be able to answer any questions about eligibility and reward disbursement. 
   
  Additionally, ***** may contact InboxDollars (ID) to confirm when they'll get the reward. Typically, it can be up to 90 days after the requirements are met. ***** may also contact them with any other questions they have, as they run this promotion.
   
  We thank you for the opportunity to respond to ***** Zhous complaint. If ***** Zhou continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/17/2025

   
  Complaint: 23210565
  
  I am rejecting this response because:

  The reward bonus was ready to redeem but InboxDollars has closed my account, I had contacted many times but no response, so I'd like the business to send a request for the reward bonus, thanks! 

  Sincerely,
  
  ***** ****

  Business Response

  Date: 04/22/2025

  Thank you for giving us the opportunity to follow up on ***** Zhous BBB complaint.
   
  Please note, Chime does not have any visibility on information of a member's external account. We recommend for ***** to reach out to InboxDollars (ID) regarding their InboxDollars (ID) account closure concern and eligibility for the promotional bonus. 
   
  We appreciate ***** for sharing their feedback with us. We're dedicated to creating the best experience possible for all of our members and greatly appreciate Xiongs input.
   
  We thank you for the opportunity to respond to ***** Zhous complaint. If ***** Zhou continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/22/2025

   
  Complaint: 23210565
  
  I am rejecting this response because:

  I open the Chime checking account for reward bonus and completed required direct deposit but have not received the reward bonus.

  
  Sincerely,
  
  ***** ****

• Initial Complaint

  Date:04/15/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  Fraud

  Customer Answer

  Date: 04/16/2025

  I was at work the time the fraud happened. I work for a law firm in ********** and have never been to ********** nor do I have an **** account

  Business Response

  Date: 04/17/2025

  Thank you for giving us the opportunity to follow up on **** **** BBB complaint.
   
  On March 8, 2025, Lori called us regarding (11) eleven transactions totaling $233.68 which Lori stated were unauthorized. We filed a dispute and began an investigation into the matter. 
   
  On March 20, 2025, we notified Lori via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  On **** 25, 2025, Lori requested a copy of the documents we relied on in making our determination. 
   
  On March 26, 2025, a copy of the documents Lori requested was forwarded to the email on file.
   
  Between March 20, 2025 and April 2, 2025, Lori made multiple requests to reopen the investigation and additional reviews were initiated. As of our latest decision on April 3, 2025, we notified Lori via email that our decision remains that no error occurred.
   
  We thank you for the opportunity to respond to **** ***** complaint. If **** Lee continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

• Initial Complaint

  Date:04/15/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 my wallet stolen . I reported to chime that i had a total of ******** taken from my account. They stated to me on April 13, 2025 that i would receive my full amount back and also a new card. On April 15, 2025 they send me a email stating that i would not be receiving a refund. They sent me text messages to block the transactions , in which, i was replying no that was not me and to block the transactions and they proceeded to take the funds even with me replying no.

  Business Response

  Date: 04/18/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******** ******.
  
  On April 3, 2025, Shatavia called us regarding forty-six (46) transactions totaling $1,530.77 which Shatavia stated were unauthorized. We filed a dispute and began an investigation into the matter.
  
  We sent a new Chime Debit card on April 15, 2025 to the address Shatavia had registered on their Chime account. The expected delivery date is on or before April 29, 2025.
  
  On April 15, 2025, we notified Shatavia via email that we completed our investigation and based on the information available, we determined that no error occurred. As a result, on the same date, Shatavia inquired about reopening the case, and an additional review was opened.
  
  The investigation is currently in process, and we are working to resolve Shatavia's case as quickly as possible. Shatavia will receive an update regarding their dispute no later than April 29, 2025.
  
  If members are eligible and we havent made a final determination on a claim, well apply the temporary credit to the account by the end of the tenth business day (up to 20th business day for new accounts) from the date the dispute was filed. For more information about temporary credits, please see our website: *****************************************************************************************************;
  
  We appreciate Shatavia for sharing their feedback with us. We're dedicated to creating the best experience possible for all of our members and greatly appreciate Shatavia's input.
  
  We thank you for the opportunity to respond to ******** Thorne's complaint. If ******** Thorne continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 04/18/2025

   
  Complaint: 23207025
  
  I am rejecting this response because: they informed me that I would get a refund on April 17. I sent in police reports and every thing so that I can get my money back .
  
  Sincerely,
  
  ******** ******

  Business Response

  Date: 04/22/2025

  Thank you for giving us the opportunity to follow up on ******** Thorne's BBB complaint.
   
  On April 21, 2025, we notified Shatavia via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied.
   
  We understand this is not the resolution Shatavia was seeking, but we are confident the investigations of the claim was properly conducted and resolved.
   
  We thank you for the opportunity to respond to ******** Thorne's complaint. If ******** Thorne continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/22/2025

   
  Complaint: 23207025
  
  I am rejecting this response because:someone stole my card and the person who stole us was arrested on yesterdayl. I sent it police reports and all and they are not trying to refund me my money.
  
  Sincerely,
  
  ******** ******

• Initial Complaint

  Date:04/15/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  *** had a chime account for 10 years, I got notice today saying chime is closing my account for not being in compliance. Though Ive done nothing to break the rules in their user agreement which *** read thoroughly. Chime will not give me a reason for why they are closing my account. I called their customer support and they said they dont have a specific reason for me to just read the user agreement and figure it out myself. After a decade as a loyal customer this is a spit in the face.

  Business Response

  Date: 04/17/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******* *****.
   
  After a complete review of Brandon's account, **********************'s partner bank, The ************, N.A., determined that the account was not in compliance with Chimes internal policies and the account agreement provided at account opening, therefore the bank exercised its right to schedule the closure of the account on May 15, 2025 registered to Brandon in accordance with Section (I)(C)(9) titled Account Holds, Suspensions, and Closures of the Chime Deposit Account Agreement: ********************************************************************************.
   
  We thank you for the opportunity to respond to ******* ****** complaint. If ******* Logan continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

• Initial Complaint

  Date:04/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  1.) Mar 2, 2025 Transfer to ****** ****** $100 I sent $100 to the wrong ****** ******. The person I was attempting to send money to has the same name, but no chime account. He thought he remembered setting one up and assumed that was his chime account. I have reached out to the chime account holder, ****** ****** several times, and he refuses to return my money. I have been on the phone with Chime about this dispute for at least 2 hours total, and they even forced me to wait 10 days on an answer.I feel the "****** ******" who owns the chime account is the most responsible for the escalation of this dispute. I reached out to him before I reached out to anyone. He thinks it's a funny joke. 2.) Chime Financial disputed a charge on March 6, 2025 from a bar that I frequent, Bar@548, for the amount of $54.65 which they were refunded by Bar@548, and my account was not refunded. Which means I had to pay my tab once on my Chime card, and again in cash to my favorite bar, because the owner has befriended **** have not continued using my Chime account except for requesting my $100 repeatedly from ****** ****** who thinks this is all a big joke.I have well overpaid for my mistakes.Chime Financial is benefiting from them.

  Business Response

  Date: 04/16/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****** ****.
  
  On March 6, 2025, Trevor called us regarding one (1) Pay Anyone transfer amounting $100.00 which Trevor stated was the intended recipient did not receive. We filed a dispute and began an investigation into the matter. 
  
  On March 7, 2025, we notified Trevor via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  On April 2, 2025, Trevor requested a copy of the documents we relied on in making our determination. On April 10, 2025, a copy of the documents Trevor requested was forwarded to the email on file.
  
  We are unable to cancel or refund the transfer Traevor initiated once it has been processed to the designated recipient. We understand this is not the resolution they were seeking, but we are confident that the investigation of your claim was properly conducted and resolved.
  
  We have conducted a reasonable investigation of Trevor's account and were unable to identify any account discrepancies. If Trevor experiences any fraudulent activity on their account, or if they have any further concerns, we advise that Trevor call us at ************ and specifically identify any concerns or unauthorized activity including the merchants name, the amount, and the transaction date.
  
  We thank you for the opportunity to respond to ****** ***** complaint. If ****** Ware continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/17/2025

   
  Complaint: 23204837
  
  I am rejecting this response because:

  The ****** ****** that received the money should be held accountable for not sending it back, and/or there should be a way to cancel a payment of this nature for up to 3 days at least.
  
  Sincerely,
  
  ****** ****

  Business Response

  Date: 04/17/2025

  Thank you for giving us the opportunity to follow up on ****** ***** BBB complaint.
   
  We appreciate the circumstances surrounding Trevors situation. We understand that Trevor would like a different outcome for their dispute claim. However, we are confident that the investigation of the claim was correctly decisioned. We now consider this matter resolved.
   
  We thank you for the opportunity to respond to ****** ***** complaint. If ****** Ware continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

• Initial Complaint

  Date:04/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 joined chime a few years ago when in the military. It was easier. Now that Im out and finding an apt in **, they helped a luxury apartment complex scam me out of a $500 deposit. They denied my application and never send me the money back. Chime denied my claim 4 times even with proof. And when I closed down my account, my credit score went down saying I owed $16 on my credit builder card. However, that card is only attached to the debit amount. Both were at 0 when I closed them. On top of everything, when I called back they had all my information associated with my account as if I still had one. They are still using my info and doing things without me. Its so violating.

  Business Response

  Date: 04/16/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******* *****.
  
  On January 25, 2025, Caitlyn called us regarding one (1) transaction amounting $556.00 which Caitlyn stated was credit was not received. We filed a dispute and began an investigation into the matter. 
  
  On February 7, 2025, we applied a provisional credit to Caitlyns account for the full amount of the dispute. This credit was provided to allow Caitlyn with full use of the funds while we completed our investigation.
  
  On February 8, 2025, we notified Caitlyn via email that we completed our investigation and based on the information available, we determined that no error occurred. As a result, we also notified Caitlyn that the provisional credit issued on February 7, 2025 would be reversed and the account would be debited on February 14, 2025. 
  
  Between February 14, 2025 and March 15, 2025, Caitlyn made multiple requests to reopen the investigation and additional reviews were initiated. On February 20, 2025, we changed the dispute reason from Credit Not Posted to Non-Receipt of Goods or Services based on the information available for the investigation. As of our latest decision on March 31, 2025, we notified Caitlyn via email that our decision remains that no error occurred.
  
  On April 8, 2025, Caitlyn notified us they would like their Chime Checking and Credit Builder Accounts closed. That same day, the accounts were closed per Caitlyn's request. 
  
  Chime reports information accurately to the three major credit bureaus. Our records further indicate Caitlyns account is being reported accurately. To remain fair and impartial to all our members, we are unable to modify our credit reporting procedure.
  
  For information about Chimes Privacy Policy, please visit our website at: ***************************************************************************************;
  
  We thank you for the opportunity to respond to Caitlyn Rouses complaint. If Caitlyn Rouse continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/17/2025

   
  Complaint: 23195182
  
  I am rejecting this response because:

  You did not give me a reason why you denied my claim. You never did. I provided you evidence that the apartment promised a deposit refund, after they denied me over the phone one day after and they never gave it. You helped an apt complex scam me over and over, so then I wanted to close my account. My account was closed both with zero dollars, there should be no credit report showing I owe $16. Further, your false advertising for your credit builder card is fraud. You told me over the phone its not a credit card it wont affect my score, and immediately it did. Stop lying to people. And change my score because I owe you nothing.

  
  Sincerely,
  
  ******* *****

  Business Response

  Date: 04/21/2025

  Thank you for giving us the opportunity to follow up on Caitlyn Rouses BBB complaint.
   
  On February 14, 2025, Caitlyn requested a copy of the documents we relied on in making our determination. On February 16, 2025, a copy of the documents Caitlyn requested was forwarded to the email on file.
   
  We understand this is not the resolution Caitlyn was seeking, but we are confident the investigations of the claims were properly conducted and resolved.
   
  Our records further indicate Caitlyns account is being reported accurately. To remain fair and impartial to all our members, we are unable to modify our credit reporting procedure.
   
  We thank you for the opportunity to respond to Caitlyn Rouses complaint. If Caitlyn Rouse continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/21/2025

   
  Complaint: 23195182
  
  I am rejecting this response because:
   Your fancy speak to avoid answering questions doesnt work on me. Is your credit builder card a credit hard? Explain to everyone here how it should work. Also, your word as a business is based on proof and evidence. You did not reply to me with proof of the work you did in investigating my case. You did not investigate it at all. I gave you proof, and you ignored it. Show me proof of you researching the apt complex who scammed me. Its not just a service that YOU provide, its your job as a business to make sure your customers arent being harmed because of your mistakes. You dont care about what harm comes to anyone, so you dont care about the credit. You reported it wrong because I closed out the account owing you nothing, yet it says I still do. Thats on YOU. Want to help people, stop sitting on your ceo high horses saying its policy, oh I cant get involved, when its YOUR mistake you can fix.
  Sincerely,
  
  ******* *****

  Business Response

  Date: 04/23/2025

  Thank you for giving us the opportunity to follow up on Caitlyn Rouses BBB complaint.
   
  The Credit Builder program consists of two elements: the Secured Account and the Credit Builder Card. When funds are added from the Checking Account to the Secured account, this money is held as the total limit available in the Credit Builder.
   
  When Caitlyn makes transactions with their Credit Builder Card, the money spent is not the one in the Secured account, but money credited by Chime. When the end of the billing cycle is reached, and if the automatic payments are enabled, the funds are taken from the Secured account to cover the total amount spent on the period. If you disable it, Caitlyn can pay their monthly charges off using ACH or by manually moving the money from the secured account to their card. Keep in mind that the safer Credit Building feature was designed to automatically pay Caitlyns bill before the due date. If the balance due is not paid, we may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on Caitlyns account may be reflected on their credit report.
   
  Chime reports information accurately to the three major credit bureaus. Our records further indicate Caitlyns account is being reported accurately. To remain fair and impartial to all our members, we are unable to modify our credit reporting procedure.
   
  We understand that Caitlyn would like a different outcome for their dispute claim. However, we are confident that the investigation of the claim was correctly decisioned. We now consider this matter resolved.
   
  We thank you for the opportunity to respond to Caitlyn Rouses complaint. If Caitlyn Rouse continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/23/2025

   
  Complaint: 23195182
  
  I am rejecting this response because:

  you did explain perfectly, which actually backs me up because if it can only pull from my checking and I closed out both my accounts on zero, then why is it reporting I owe $16? Answer that please? What I know happened is weeks before I closed my account, I had moved that amount. You reported from that time, so why is it not updated? Im good with yall right? I dont owe you anything? I closed my accounts on zero? You havent send me any follow up to me owing anything else, so next please explain why it showed up as $16 and why you havent updated from when my account was closed. You truly tru and trap people, and thats what you did here. 
  
  Sincerely,
  
  ******* *****

• Initial Complaint

  Date:04/14/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 Friday, April 11, 2025 at 10:11AM, I recieved an email notifying me of the following:"Check your mailbox!If it hasnt arrived already, your Chime **** Debit Card should be in there soon. Activate it and start spending!""Activate your debit card"The email also included the following disclaimer:"2025 Chime Financial, Inc. All rights reserved.*********************************** Please do not reply to this email. The account isnt monitored, and we dont want to miss hearing from you.Chime is a financial technology company, not an FDIC-insured bank. ******* services and debit card provided by ***********, N.A., Member ****, pursuant to a license from ***************** and may be used everywhere **** debit cards are accepted. ***************** covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.This email was sent to you because you have a Chime account. (Note: I NEVER set up a Chime account!!!)If you do not wish to receive advertisements from Chime, you can unsubscribe."On April 11, 2025 at approximately 2:00pm, two Chime envelopes arrived in my mail (US Postal).The envelopes contained 2 **** cards (Direct Deposit **** card (White), and (Chime Credit Card (Green).I noticed there are multiple addresses associated with this company and it appears suspicious to **** then called the number included on the card ****************. I spoke with a female representative to ask why I was sent these cards with account numbers and she needed my personal information to verify if the account was fraudulent.She wanted the card account number, my date of birth or SSN, home address, and email address.I refused to provide the information and she informed me that I would be placed on hold so she can review the account??? but how if i did not provide the information???I hung up the phone.

  Business Response

  Date: 04/17/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***** *****.
   
  Please note that Chime is a financial technology company, not a bank, and accordingly Chimes partner banks, The ************, N.A. or ***********, N.A.; Members FDIC, provide their banking services. Chime and our bank partners take identity theft claims very seriously and we actively investigate these claims in line with current industry practices, which are approved by our partner banks. Chime always strives to make improvements to our operations, especially as it relates to preventing unauthorized third parties from using another individuals personal information for illegitimate reasons.
   
  We have escalated the account referenced in Ivory's complaint for further review. We appreciate Ivorys patience at this time.
   
  We thank you for the opportunity to respond to Ivory Veales' complaint. If ***** ***** continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

• Initial Complaint

  Date:04/13/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  Closed my card due to unauthorized payment. Issued a new card that wasn't active, still charged inactive card and took every ***** after they sent fraud alerts asking if it was me. Dispute the matter over a month still haven't received my money and can not tell me what I paid for.

  Business Response

  Date: 04/15/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****** ******.
  
  On March 29, 2025, ****** called us regarding transactions that were posted to their account. The transactions were still pending and Chime is unable to file a dispute until the transactions are settled.
  
  When members notice an error with transactions on their Chime accounts, they can file a dispute through Chime. Disputes can be filed over the phone or within the Chime app.
  
  On April 15, 2025, we filed a dispute regarding 6 transactions totaling $79.45 which ****** stated were unauthorized and began an investigation into the matter.
  
  The investigation is currently in process, and we are working to resolve Amandas case as quickly as possible. Based on the nature of the claim, we will complete the investigation no later than April 29, 2025. ****** will be notified via email as soon as the investigation is completed. 
  
  Upon receipt of Amandas complaint, a new Chime debit card was issued to the mailing address on file on April 15, 2025. Once mailed, please allow 7-10 business days for delivery.
  
  We thank you for the opportunity to respond to ****** ******* complaint. If ****** ****** continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

• Initial Complaint

  Date:04/12/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 advertises financial products that are not available to all customers. I'm not sure who they are available to but I do know that I'm being excluded without any real explanation. Chime support blows off their customers each Live agent with a different explanation that feels scripted. I feel Chime believes their customers are stupid and they basically only want to continue to collect customers direct deposits without honoring their advertised financial services that made them bank at Chime in the first place. Every time I speak to a Chime agent I get a different answer instead of them admitting they don't have an explanation.

  Business Response

  Date: 04/17/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****** *****.
  
  Currently, the Instant Loans product is limited to a subset of members. When it's available to more people, members who qualify will get a push notification and see a message in their Chime app. If eligible, They will receive a push notification and a message in the app.
  
  For a repeat loan, at least 30 days must have passed since your last outstanding loan. However, all other criteria still have to be met.
  The ************************************************* full.
  The member must continue to receive at least one (1)  qualifying direct deposit of $200 or more per deposit into your Chime Checking Account every 34 days.
  Every calendar month, for the last six consecutive months, they should have received at least a total of $500 from qualifying direct deposit.
  The member will also need to continue to reside in a state that is an Instant Loan eligible state.
  You meet other internal financial health and account activity requirements and non-credit checks.
  
  We thank you for the opportunity to respond to ****** ****** complaint. If ****** ***** continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

• Initial Complaint

  Date:04/12/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 tried to use my Chime card earlier today at an atm. Well I tried to withdraw money from my savings on Chime. When I tried to withdraw the money I was rejected and told that there wasn't enough funds. Well there was. There was more than enough. So then I had to stop what I was doing and open my Chime account and try to figure out what was going wrong and this took me about 10 minutes. Then I decided to switch my money from my savings account to the credit account and withdraw money that way. Well that worked kinda... I was then charged extra with no warning from anyone for using this atm. The atm only charged $2. But Chime charged me extra for " using an out of network atm " which I had never heard of before today. Because I was never charged anywhere else the entire time I've used Chime until today. So then I try to contact customer service to figure out what is going on? And they delayed me. So this entire ordeal now has taken about 45 minutes total to resolve. Only for me to be told that whoops im screwed. And in the future for me to use an in network atm. Then they gave me a link that I had to sign up for and give them my email which I didn't. I got sick of it and closed the chat and after warning them I'd come here. If I was given some kind of warning that I'd be charged extra I'd have went down the road a little ways and used an in network atm. But where I live there is only a handful of those mostly at CVS. So this entire ordeal was not fun. And I'm getting sick of using Chime because ive been noticing that I'm missing money here and there. I will be addressing this here shortly.

  Business Response

  Date: 04/15/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **** ****.
   
  On April 12, 2025, Gary contacted us via live chat regarding Savings Account withdrawal and out-of-network ATM fees.
   
  The Chime Savings Account is a hassle-free, fee-free savings option designed for members who already have an active Chime Checking Account. It offers a straightforward way to grow savings with a competitive interest rate and no minimum balance requirement.
   
  Gary can withdraw funds from their Savings Account or their Goals in the Savings Account by transferring funds to their Chime Checking or Credit Builder through the Chime app. Direct transfers to external bank accounts from their Savings Account are not available.
   
  If cash withdrawal was made at an ATM that's not included in our fee-free network. Out-of-network ATMs may incur a $2.50 withdrawal fee. Third-party and cash deposit fees also apply. To avoid paying fees in the future, you can find in-network ATMs by selecting Cash Map under the Move tab on your Chime app homepage, or by visiting ******************************************.
   
  At this time, unfortunately, we are unable to reimburse ATM fees.
   
  We appreciate Gary for sharing their feedback with us. We're dedicated to creating the best experience possible for all of our members and greatly appreciate Gary's input.
   
  We thank you for the opportunity to respond to **** Shaw's complaint. If **** Shaw continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.