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:07/16/2025

  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.

  On July 13th my wallet was stolen. I filed a police report. Two of my Chime cards were used multiple times. I disputed these charges with Chime, they denied them both times. Chime says their users are not liable for unauthorized charges. Yet they denied my disputes twice, even with me having provided evidence of having filed a police report.

  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

   
  Complaint: 23612222
  
  I am rejecting this response because: they simply said they cannot look into this because it is sensitive information. It is my information and I have offered it freely to be better business bureau. Chime most certainly can look into my sensitive information. I would like them to rectify them denying my dispute. My card was stolen. They approved my dispute on my debit card but denied my disputes on my credit card and that does not make sense.
  
  Sincerely,
  
  ****** *****

  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

   
  Complaint: 23612222
  
  I am rejecting this response because:

   

  They gave the same response last time. And it is not a response, looks like an automated reply. And it does not address my dispute.
  
  Sincerely,
  
  ****** *****

  Business Response

  Date: 08/01/2025

  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: 08/05/2025

   
  Complaint: 23612222
  
  I am rejecting this response because:

  This has not rectified my issue with Chime.

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

• Initial Complaint

  Date:07/16/2025

  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.

  Ive had thousands of dollars stolen out my account and ******************** is not helping me get it back.

  Business Response

  Date: 07/24/2025

  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: 07/24/2025

   
  Complaint: 23611244
  
  I am rejecting this response because: nothing was solved. I lost over 7k with this company due to someone scamming and using my car. I finally multiple disputes along with providing proof and my claim keeps getting denied. They are no help.
  
  Sincerely,
  
  ******** ******

  Business Response

  Date: 07/30/2025

  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:07/16/2025

  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.

  Today - just wanted to file dispute, this bank has been giving this company my money twice for over 2 months. So now I they want me to ******* my whole account to file a dispute. I filed a complaint a few weeks ago against the wrong company and since then they have deleted a charge without paying me back. And have also allowed the same company to keep charging me even after I told them I was leavin that hotel. So I just wanted to file dispute for a ***** charge made this saturday. Now must of the information in my account is wrong. The previous charge was for 240 or 260, will provide the dspute info if needed.. I am tiredd of these company putted blocks up so you will get frustrated and give up. Please help me.

  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:07/16/2025

  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.

  On July 2nd 2025 I received a call from a Chime representative notifying me that someone was trying to use my virtual account at ******* in ***************. The last four numbers of the virtual card is 3722. The person that I spoke to said I should change the password to my account. They made me change my password to BANKING1234. After we hung up, something felt weird so I went to my account and saw that all my money was gone. They transferred $230 from my checking account to my credit builder. And I had received emails after the phone call saying my money was transferred successfully to my credit builder account. I contacted ********************** and notified them about the situation. I submitted a dispute three different times and was denied all three times. I still have a the emails that was sent to me from a representative of chime i have a whole lot more i just want my money back i never made that purchase

  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 ************.

• Initial Complaint

  Date:07/16/2025

  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.

  This occurrence happened July 16, 2025. I had a transfer to chime to pay my fine at the courthouse. My,balance was 0 in checking and savings. I received no emails, calls, statements anything to tell me I had a negative balance. When I transferred my money they took $70. I called talked to a representative and manager and they kept repeating themselves not listening to my concern. They should've notified me if I were in the negative. But my chime account had a zero balance. I would like it refunded so I can pay my fine and close my chime.

  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 ************.

  Customer Answer

  Date: 07/23/2025

   
  Complaint: 23608298
  
  I am rejecting this response because:
  I can not view anything besides my original complaint. I did not receive anything to resolve the issue
  Sincerely,
  
  **** ********. 

  Business Response

  Date: 07/29/2025

  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:07/16/2025

  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 had an incredibly frustrating experience with Chime Financial after my secured credit card was stolen and used for unauthorized purchases. I froze the card immediately in the app - within three minutes of receiving mobile notifications of the (3) fraudulent transactions. I contacted Chime right away to alert them and cancel the card. I then created a police report the same day. The report even contained eyewitness accounts of the suspects. Even with all this evidence and swift action, three dispute claims were denied. There was no indication of accountability or a thorough investigation. It felt like the dispute process was just a formality. In fact, I was not given the detailed explanation I'm entitled to despite requesting it after each denial. They didn't even send me one after the first two denials due to supposed "clerical error". Then, the explanation I received after the third denial was laughably insufficient. See the attached screenshot. This is not only frustrating it's a violation of the *************** Transfer Act (15 U.S. Code 1693f) and Regulation E (12 CFR *******), which require financial institutions to investigate disputes thoroughly and provide the consumer with an explanation of the findings. I have yet to hear who they contacted, and what particular evidence, or lack thereof contributed to the denials. This ordeal has left me disappointed and wasted so much of my time. I'm left with no confidence in Chime's consumer protections. I trusted Chimes claims of security and support, but in reality, they offered neither when it truly mattered. Other financial institutions Ive worked with have handled fraud disputes with far more integrity and ******* filing this complaint in hopes that someone at Chime will finally take my case seriously and do whats right. But more importantly, I want to warn others: if your card is ever stolen, dont count on Chime to protect you even if you follow all the right steps.

  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

   
  Complaint: 23608163
  
  I am rejecting this response because: I have already spoken to Chime's **************** multiple times and they've been utterly unhelpful in providing justification. Their representatives are trained to be friendly, but they don't actually resolve any problems or provide any information. Phone **** couldn't tell me any details about why my claim was rejected, and their explanation by email was laughably generic. When it came down to it, they put ZERO effort into this case and ZERO effort into explaining why they rejected my claim. Let this serve as a warning to future customers of this bank. You will not be helped and you will not be communicated with in a way that holds up their end of the bargain, legally. You will be speaking to what feels like a brick wall. In the unfortunate event your claim is rejected, as mine was with ample evidence, you will not get an explanation and you won't get any resolution. In summary, DO NOT BANK WITH CHIME. 
  
  Sincerely,
  
  **** *****

  Business Response

  Date: 07/31/2025

  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: 07/31/2025

   
  Complaint: 23608163
  
  I am rejecting this response because: This someone needs to reach out to me personally. I am not calling customer service AGAIN to be strung along. You have my account info including my phone number and email. Contact me, or further action will be taken.  
  
  Sincerely,
  
  **** *****

• Initial Complaint

  Date:07/16/2025

  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.

  I have called multiple times and even stayed on the phone over an hour.When I asked to speak to someone above the general agent I was rudely ignored and told that is not possible and hung up on by multiple agents.

  Business Response

  Date: 07/18/2025

  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.
  
  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:07/16/2025

  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.

  To Whom It May Concern,I am submitting this formal complaint regarding the suspension of my Chime MyPay account following an accidental address change that I immediately corrected.On 07/15/25, while using the Chime app, I mistakenly submitted an incorrect address selecting Massachusetts instead of my actual state, *************. I realized the mistake within moments and corrected it back to my correct, verified address.However, this brief and corrected error caused my MyPay account to be suspended. I was informed that I now must repay the entire balance of $227 before access to the program will be reinstated.This is a genuine misunderstanding and not a sign of fraud, abuse, or relocation. Ive used MyPay responsibly and consistently every Tuesday when Im paid, the entire $500 balance is paid off in full, and my limit resets to $0 as intended. At the time of suspension, I had $273 in available credit remaining, and my payments have never been ************* request is simple: I would like my account reinstated so I may continue to use the $273 in remaining credit this week, as I normally would, and repay the full $500 balance next Tuesday as per my usual cycle.I am a committed and responsible user of *********************** services. I respectfully ask that this be reviewed as a one-time exception based on the nature of the error and my proven payment history.Please let me know if any additional documentation or verification is needed from my end. I appreciate your time and consideration.Sincerely,******** ******** [email protected] Account Last 4 ***********

  Business Response

  Date: 07/22/2025

  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.
  
  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:07/16/2025

  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 am writing to formally complain about the closure of my account on June 20, 2023, and the continued withholding of my remaining balance of $66,737.35. Well, it might be my fault because I received my tax return on June 13 2023, which was the sum of $68,062.70, and I got confused when I saw the money because I was expecting it on that day. So I thought it was fraudulent money, and I was so stressed that very day, and was also battling with my health. I even had my grandson reach out to Chime, I think on June 18, 2023. So we tried reaching out to Chime Bank to confirm where the money came from, as I wasn't sure at that time that the money came from the ***. The next day I realized it was my tax refund and tried reaching Chime again on calls to tell them, but then I got a suspension email asking me to verify where the money came from, if it's mine, and if my Chime account hasn't been compromised. Which I did, and next thing I got was an email of my account closure. I tried contacting Chime again after my account closure but their customer service kept telling there's nothing they can do about it, and my money can't be sent to me as well. After so many calls and emails I sent, I finally got an email from Chime, same Bank that said there wasn't a thing they could do on June 28, 2023. And I was given a chance to make another review, which it seems I didn't see the email the day they sent me until the next day, and the time given was 24 hours to make the review.Despite my attempts to resolve this matter via email calls, the first time they sent me a suspension email and after my account was closed, but nothing was done, I haven't received my funds of $66,737.35 or any valid explanation.This is a violation of my rights as a consumer under U.S. Regulation E.I Demand 1 Release of my Chime banking account 2 Immediate return of my full balance, including any accrued interest 3 Written explanation for my account closure 4 Confirmation in writing once the funds are returned.

  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: 07/28/2025

   
  Complaint: 23606749
  
  I am rejecting this response because:

  
  

  Thank you for following up regarding my complaint against Chime (BBB Case ID *********. Unfortunately, Chime has NOT resolved my issue, and I have yet to receive any meaningful assistance from them.

  All Ive been getting from Chime is Inconsistent and unclear, confusing, contradictory communication I have received regarding my funds and account. The emails and explanations provided thus far have been inconsistent, unclear, and frankly unprofessional.  

  The first time, thats on June ******* I was notified that my account was closed, citing that Chime identified activity on your account that does not comply with the terms of Chime's Deposit Account Agreement. And now on July 17, 2025, I got an email from Chime Account specialist, named ****, stating a new and different reason for my account closure. On July 22, 2025, I got an email from same **** apologizing for delayed revert, and waiting for their partner banks response, and that seems like the second positive response Ive gotten from Chime since my account closure. Subsequent emails from Chime have provided conflicting reasons or no explanation at all. This lack of transparency is unacceptable, stressing me so bad and reflects poorly on Chimes reputation as a trustworthy financial service provider. 

  Current Status of My Complaint:

  1. Missing Funds: The money I am owed has not been returned or credited to me.  

  2. Account Access: My account remains closed/blocked without explanation or resolution.  

  3. Communication: Chime has mostly sent automated responses or uncleared messages asking me to make a review without options/instructions or provided a timeline for resolution.

  So this is everything that has been going on with me and Chime Bank so far. Ill be attaching emails sent from Chime and also mine to assist my response or complaints.

  Despite my efforts and the BBBs involvement, Chime has failed to take corrective action. I am extremely frustrated by their lack of accountability and transparency.  

  Request for Further Assistance:  

  I kindly ask that the BBB escalate this matter or provide guidance on the next steps to ensure Chime addresses this fairly.

  Please let me know if you need additional documentation from me. Thank you for your time and supportI hope we can finally reach a resolution, because Im really tired.  

  Sincerely, 

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

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

  Business Response

  Date: 08/01/2025

  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: 08/04/2025

   
  Complaint: 23606749
  
  I am rejecting this response because: Chime just asked me to wait that my complaint is being processed on July 30, 2025. Since then, there have been no updates on my complaint/case. Its so unfair and frustrating the way Chime has handled my complaint or to how theyve been treating me. Im a 67 old years woman for goodness sake and it seems Chime is trying to take advantage of me.

  Please help me, please 
  
  Sincerely,
  
  ******* ******

• Initial Complaint

  Date:07/15/2025

  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.

  Thirty two days ago my credit builder account with ******************** was closed and I was told that the remaining balance would be sent to me by mail. I spoke with someone today and was told I am not eligible for a closure check and to talk to my lawyer for further information. My lawyer said there should be no reason for chime to withhold my money from me. The amount is ******.

  Business Response

  Date: 07/29/2025

  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

   
  Complaint: 23605697
  
  I am rejecting this response because:
  
  Sincerely,
  
  **** *****