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:04/09/2024

  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 recently filed a complaint against this business. I thought that the issue would have been resolved by now, but it has not. They closed my account on 02/21/2024. They told me that they would mail me a paper check with the remainder of my funds, which was my tax refund check that I had deposited there, that were on the account. They specified that I should receive the funds within 30 days of the account closure date. It has now been almost 2 months and I have yet to receive my check NOR any update on the status of it. I reached out to them via email and phone and was still unable to get anymore information about my funds. The rep on the phone told me that he was unable to give me any information and that I was UNELIGIBLE for a refund! It has been so hard to get in contact with anyone about this matter. I deserve to know where my money is and why it has not arrived in the timeframe that they specified to me. I’ve attached the emails confirming that they told me that my check would be mailed and when I should receive it. I’ve also attached the emails from the last few days of them not helping me locate my check. I just want to be able to talk to someone about my money and be assured that it is on the way.

  Business Response

  Date: 04/17/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by Shamel ****.
  
  On February 21, 2024, after a complete review of Shamel's account, Chime's partner bank, The ******* Bank, N.A., determined that the account was not in compliance with Chime’s internal policies and the account agreement provided at account opening, therefore the bank exercised its right to close the account registered to Shamel in accordance with Section (I)(C) titled Account Holds, Suspensions, and Closures of the Chime Deposit Account Agreement: ******************************************************************
  
  We have escalated Shamel's complaint to the appropriate department for further review. We greatly appreciate Shamel's patience at this time. 
  
  We thank you for the opportunity to respond to Shamel ****’ complaint. If Shamel **** continues to have concerns regarding their complaint, please have them contact Chime Member Services at ************. 

  Customer Answer

  Date: 04/17/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  this is the same auto-generated response as last time! My concern was not even addressed. Where is my money? Where is my refund check that you were supposed to send? At this point, it’s time to take legal action. I have bills that I am behind on because of this! I deserve interest at this point for my loss and the emotional damage this had caused. 
  
  
  
  Sincerely,
  
  
  
  Shamel ****

  Business Response

  Date: 04/23/2024

  Thank you for giving us the opportunity to follow up on Shamel ****’ BBB complaint.
   
  On April 18, 2024, a check for the remaining balance on Shamel ****’ account was sent to the address on file. Please allow 7-10 business days for the check to arrive. 
   
  We thank you for the opportunity to respond to Shamel ****’ complaint. If Shamel **** continues to have concerns regarding their complaint, please have them contact Chime Member Services at ************.

• Initial Complaint

  Date:04/09/2024

  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.

  Om Decemebr 5th my Chime card was compromised. I immediately reported the card stolen and requested a replacement card. That card never arrived. On March 6th, I again requested a replacement card. This card again did not arrive. On March 22nd I called Chime **************** and spoke to several agents that had me reenter my mailing address and again reorder a debit card. The card did not arrive again for a 3rd time. I called on April 9th to speak to customer service and was informed that my only option was to change my mailing address and to reorder a replacement card for the 4th time and wait for 10 business days again.

  Business Response

  Date: 04/17/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *******************************.
  
  A new debit card was shipped to ******** on April 11, 2024. The expected delivery is on or before April 25, 2024 to the address ******** provided.
  
  We thank you for the opportunity to respond to ********************************* complaint. If ******************************* continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************.

  Customer Answer

  Date: 04/17/2024

   
  Complaint: 21551731
  
  I am rejecting this response because: I have still not received this card, it is the 4th such order that has been made and no other resolution has been offered other than we will attempt it again. 
  
  Sincerely,
  
  *******************************

  Business Response

  Date: 04/23/2024

  Thank you for giving us the opportunity to follow up on ********************************* BBB complaint.
   
  Our records confirm that the card was sent on April 11, 2024, to the address on file and should be delivered on or before April 25, 2024 to the address ******** provided. If *************;did not receive the card within timeframe, we advise that *************;call us at ************ for further assistance.
   
  We thank you for the opportunity to respond to ********************************* complaint. If *****************************;continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************.

• Initial Complaint

  Date:04/09/2024

  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.

  On March 28, 2024, Chime Bank refused to accept my mobile deposit of $15,000.00 even though my check was less than $20,000.00 the maximum amount that can be mobile deposit.

  Business Response

  Date: 04/09/2024

  ************************* established your Chime Checking Account and serves as the issuer of the Chime **** Debit Card and, as such, is concerned with your complaint. As the issuer, we take all matters which affect consumers who utilize the Chime Checking Account very seriously.We have conducted an investigation into the matter and reached out to Chime to better understand the full scope of this matter. Chimes investigations show the following:
  
  Chime reviewed their records and indicated that on March 28, 2024, you utilized Chime's Mobile Check Deposit feature to submit a check in the amount of $15,000.00. An email was sent to you confirming the check was received and explained when the funds would be available. Chime's review determined the check in question was rejected since it failed to be verified.
  
  For security reasons, Chime is unable to change the decision of their check review process. Chime advises that you submit the check at another institution or contact the check's issuer for further assistance.
  
  Chime and *********** place great importance on providing an excellent customer experience. Please contact ********************** ****** Services at ************ if you have any further questions or concerns.

  Business Response

  Date: 04/17/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***************************.
   
  On March 28, 2024, Saundra submitted a check to be reviewed by our Mobile Check Deposit system.
   
  On the same day, Saundra contacted us to inquire about the reason their check was rejected. We informed Saundra that the mobile check deposit in question was rejected because it failed to be verified.
   
  For security reasons, we are unable to change the decision of our check review process. We advise that Saundra submit the check at another institution or contact the checks issuer for further assistance. 
   
  We thank you for the opportunity to respond to ********************** complaint. If **************************;continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************.

• Initial Complaint

  Date:04/09/2024

  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.

  03/28/24 I called 4 times to get an issue resolved and each representative hung up the phone on me. This was over a 2 hour time period and all calls should be monitored and recorded to show how badly I was treated and that all reps involved need to be held accountable for their actions. 2 tickets were created as a result of this and also a manager hung up the phone on me after taking my complaint. Ticket numbers are as follows ******** and ********

  Business Response

  Date: 04/09/2024

  ************************* established your Chime Checking Account and serves as the issuer of the Chime **** Debit Card and, as such, is concerned with your complaint. As the issuer, we take all matters which affect consumers who utilize the Chime Checking Account very seriously.We have conducted an investigation into the matter and reached out to Chime to better understand the full scope of this matter. Chimes investigations show the following:
  
  Chime reviewed your account and found that on April 7, 2024, you called them twice. Chime was unable to determined if you hung up or if the call was disconnected as you were placed on hold expecting to be transferred. Chime also reviewed a call received from you on April 1, 2024 where you disconnected the call yourself.
  
  Chime indicated that you had 5 declined transfers for $335.00. Chime verified that the transaction(s) were completed.
  
  Chime and *********** place great importance on providing an excellent customer experience. Please contact ********************** ****** Services at ************ if you have any further questions or concerns.

  Business Response

  Date: 04/17/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***************************.
   
  On March 28, 2024, ***** contacted us via phone regarding a Pay Anyone transfer totaling $335.00 which ***** stated was not going through due to an error. On the same day, our records show a transaction for the amount of $335.00 was completed.
   
  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 *****'s input.
   
  We thank you for the opportunity to respond to ******************************* complaint. If *************************** continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************.

• Initial Complaint

  Date:04/09/2024

  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.

  My account with ********************** was placed on hold because of a deposit coming through from my sons college. I have called numerous times and have uplaod all documents they have requested. I have been told my accoutn would be unlocked in 3-5 hours with no luck. I call and they say they need to send my case to the team that is handling it but can't connect me via phone cause they don't take phone calls. The team is suppose to connect me within 24/48 hours. This has been going on for months. I've asked how can I get access to my pay check that was direct deposit into that account and they have no answer. I would like my paycheck that was direct deposited into that accoutn returned to me. I think waiting will over 2 months and being told the same thing is insane.

  Business Response

  Date: 04/17/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***********************.
   
  On March 4, 2024, during a routine monitoring of accounts, Chime's partner bank, ***************** N.A., identified some unusual activity regarding the amount and/or origin of certain funds which were deposited to ************;Chime account. As a result, a hold was placed on the account and documentation was requested from Robin that could verify the source of the funds deposited.
   
  Between March 13, 2024 and March 15, 2024, Robin submitted some of the requested information for our review.
   
  The account remains closed and is not eligible to be re-enabled or for a refund check until Robin provides valid copies of the required documents. Chime is unable to take any further action at this time without approval from ***************** N.A.
   
  We thank you for the opportunity to respond to ****************** complaint. If **********************;continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************.

• Initial Complaint

  Date:04/09/2024

  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 am writing to lodge a formal complaint regarding the unsatisfactory customer service provided by ********************** Bank. My discontent stems from the failure to receive a referral bonus promised to me upon signing up with Chime, under the recommendation of Magnified Money using this link: ************************************************** engaged with a Chime Bank representative named ****, who initially acknowledged and approved the referral bonus, attributing it to a special "birthday bonus" offer. However, subsequent to this approval, my experience has been marred by a series of frustrating encounters characterized by delays, excuses, and unreasonable demands for documentation, screenshots, and proofs, all of which I supplied in a timely manner. But, these efforts have yielded no tangible resolution.My dissatisfaction peaked during a recent conversation with a Chime Bank representative named ****, conducted over the phone. During this exchange, **** insisted that I provide the first and last name of the influencer, a detail which I do not possess. I reiterated that I possessed the referral link and that your employee, ****, had previously assured me that the bonus would be honored, albeit through an unconventional "birthday bonus" mechanism.The consistent display of incompetence, laziness, and disregard for customer satisfaction by ********************** Bank representatives throughout this ordeal has left me deeply disillusioned and aggrieved. I find the insinuation that I am dishonest or deceitful unacceptable, particularly in light of the extensive evidence I have.As a result of these egregious lapses in customer service and professionalism, I am compelled to escalate this matter to the relevant authorities. It is my hope that by bringing attention to these issues, corrective action can be taken to prevent others from experiencing similar injustices. Enclosed you will find evidence in the form of all communications exchanged with Chime Bank, which substantiate the veracity of my grievances.

  Business Response

  Date: 04/16/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***********************.
   
  After reviewing the details of the link **** used for signing up, our records indicate that it is not part of our referral programs. 
   
  Please note that in order to qualify for a referral bonus, the referee must open an account through ********************** using the referral link from one of our members and receive a qualifying direct deposit of at least $200 within 45 days of enrollment. When this step is not completed, unfortunately, Chime is not able to provide the referral bonus.
   
  We thank you for the opportunity to respond to *************************** complaint. If *********************** continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************. 

• Initial Complaint

  Date:04/09/2024

  Type:Product Issues
  Status:

  ResolvedMore 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.

  My husband had a account he had his disability payment's put on ,he passed away on August 24th 2023, chime closed his account and took his ****** left on his account. I provided them his death certificate stating I AM HIS SURVIVING SPOUSE,our marriage license and both of our driver's license and ******************** refuses to give his disability money back to his serviving wife! He owns nothing and his disability money is all we have.There is no estate,but chime refuses to refund his money to me! They were not told to close the account! I want his disability money returned!!

  Business Response

  Date: 04/08/2024

  ************************* serves as the issuer of the Chime **** Debit Card and, as such, is concerned with your complaint. As the issuer, we take all matters which affect consumers who utilize the Chime Checking Account very seriously. We have conducted an investigation into the matter and reached out to Chime to better understand the full scope of this matter. Chimes investigations show the following:
  
  Chime reviewed their records and found that the referenced account was closed on September 1, 2023. Chime states that in order to receive the remaining funds, you must provide the following:
  
  - ********************** Affidavit or other Probate Court documents naming you as the personal representative/executor of the Estate.
  
  - The physical address you would like the remaining funds issued to.
  
  Please provide the requested documentation directly to Chime via email at ********************************.
  
  Chime and *********** place great importance on providing an excellent customer experience. Please contact ********************** ****** Services at ************ if you have any further questions or concerns.
  

  Business Response

  Date: 04/16/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *********************.
   
  We are deeply sorry for *************;loss. Between September 2, 2023 and December 6, 2023, ***********;submitted some of the requested information for our review.
   
  We have escalated *************;complaint to the appropriate department for further review. We appreciate ******* patience at this time. 
   
  We thank you for the opportunity to respond to ****************** complaint. If **********************;continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************.

  Customer Answer

  Date: 04/16/2024

  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:04/09/2024

  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.

  Chime is with holding my funds threw there bank Stride. they won't contact them to get them send out my funds. They are with holding my pay check. They say you can get paid 2 days earlier. Which is a lie. They stole my paycheck which should of been directed deposited into my chime caritas of the 8

  Business Response

  Date: 04/16/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *******************************.
   
  Our records show that on April 9, 2024, the direct deposit *************;referenced was posted to the account.
   
  In looking through **************;direct deposit history it appears their deposits have been posting to their Checking Account in a timely manner.
   
  Please note that when a direct deposit is initiated by the sender, it goes through mandatory processing steps before arriving at Chime. Upon receipt of ***************;direct deposit, we post it to **************;Chime Checking Account Monday through Friday, excluding bank holidays.
   
  We thank you for the opportunity to respond to ********************************* complaint. If *****************************;continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************. 

• Initial Complaint

  Date:04/09/2024

  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 received and direct deposit from the *** in the amount of ********* on December 15. The funds were available to me for about two hours before the bank close my account. When they first close my account, they asked me to submit proof of funds and my identity. I submitted all documents that were required, but yet they still closed my account and they say that I am not eligible for a refund. When I called to talk to someone, they have no information to give me they tell me to refer to their website and when I tried to email them they submit a computer generated email that tells me to call them. I just need some help with getting my money back. This has been a very stressful situation for me and my family.

  Business Response

  Date: 04/16/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***********************.
   
  On December 15, 2023, during a routine monitoring of accounts, we identified some unusual activity regarding the amount and/or origin of certain funds which were deposited to Andreas Chime account. As a result, we placed a hold on the account and requested documentation from ***********;that could verify the source of the funds deposited.
   
  Between December 15, 2023 and December 18, 2023, ***********;submitted some of the requested information for our review.
   
  On December 15, 2023, after a complete review of ************;account, we determined that the account was not in compliance with Chimes internal policies and the account agreement provided at account opening, therefore we exercised our right to close the account.
   
  We have escalated *************;complaint to the appropriate department for further review. We appreciate their patience while we review their account.
   
  We thank you for the opportunity to respond to ******************* complaint. If ***********************;continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************.

  Customer Answer

  Date: 04/18/2024

   
  Complaint: 21549621
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***********************

  Customer Answer

  Date: 04/19/2024

  I was advised to call customer service for more information and they advised me that there have not be any changes made on my account and that I am not eligible for a refund. I just want my remaining funds sent in a check. I am not able to get any help from chime customer service 

  Business Response

  Date: 04/24/2024

  Thank you for giving us the opportunity to follow up on ******************* BBB complaint.
  
  At this time, the account remains closed and is not eligible for a refund. 
  
  We thank you for the opportunity to respond to ******************* complaint. If *********************** continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************.

  Customer Answer

  Date: 04/24/2024

   
  Complaint: 21549621
  
  I am rejecting this response because: You cant keep my money I need my money you are holding over $20k that I submitted proof of where the funds came from. I do not accept that I am not eligible for a refund. You cant just keep my money because you decided to close my account 
  I am demanding a closure check or return the check I received from the irs back to the issuer 
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:04/09/2024

  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 attempted to make a purchase with my chime debit, contacted the merchant and confirmed no purchase was made. The hold on my account withdrew from my account so I filed a dispute with chime showing that I made the purchase with another card from another bank. Denied my claim based on my purchase history with the merchant (yes I have bought from there prior). Called asking why it was denied, got the run around, well we take into consideration your purchases from the merchant, which I never denied buying from them previously. Following this, my card number was stolen which prompted me to close that card. Filed a rebuttal to the denial, and they still denied without and real evidence of why it was denied. So Im out *****. The attached photo was used for the dispute to show that the item purchased was with another card from my PNC bank account.

  Business Response

  Date: 04/16/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *****************************.
  
  On March 14, 2024, ******** contacted us via phone regarding a transaction in the amount of $52.83 which ******** stated was paid by other means. We then opened an investigation into the matter and filed a dispute. 
  
  On March 27, 2024, we notified ******** via email that we completed our investigation and based on the information available, we determined that no error occurred. On the same day, ******** inquired about reopening the case, and a rebuttal claim was opened. Additionally, ******** requested a copy of the documents we relied on in making our determination which were forwarded to the email on file on March 29, 2024.
  
  As part of our dispute investigation, we filed chargebacks for eligible transactions. A chargeback is a request to the merchant, from Chime, to have the funds from a disputed transaction returned to the member. Merchants are able to reject chargebacks and can provide their own evidence to show that a transaction is legitimate. Our records indicate we received compelling evidence from the merchant regarding  ********'s dispute. On April 7, 2024, we concluded our investigation and determined no error occurred. ******** was notified of this on the same day.
  
  We thank you for the opportunity to respond to ********************************* complaint. If ***************************** continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************.