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:08/21/2023

  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 had transactions done on my account when my phone was stolen from August 8th to August 17th when I was able to get my phone back after having a friend find the person with my phone and got the phone back. I have contacted the merchants one being Wow ***** Casino and Chumba Casino was the 2 most transactions on my account and when I contacted them they said there had been many transactions from different accounts under different names that's a big sign they were fraudulent I disputed the charges canceled my card and changed the password to the app Chime denied my dispute case the following day and clearly that doesn't give anyone time to actually investigate each charge.

  Business Response

  Date: 08/31/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******************************
   
  Claim ID: ********
  On August 17, 2023, ******* contacted us via live chat regarding two transactions totaling $5.00 which ******* stated were unauthorized. We then opened an investigation into the matter and filed a dispute. 
   
  On August 25, 2023, we notified Clinton via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  Claim ID: ********
  On August 17, 2023, Clinton contacted us via live chat regarding two ACH payments totaling $71.96 which Clinton stated were unauthorized. We then opened an investigation into the matter and filed a dispute. 
   
  The investigation is currently in process, and we are working to resolve Clintons case as quickly as possible. Based on the nature of the claim, we will complete the investigation no later than October 1, 2023. Clinton will be notified via email as soon as the investigation is completed.
   
  On August 18, 2023, we applied a temporary credit to Clintons account for the full amount of the dispute. This credit was provided to allow Clinton with full use of the funds while we completed our investigation.
   
  Claim ID: ********
  On August 17, 2023, Clinton contacted us via live chat regarding forty-six transactions totaling $1,539.16 which ************;stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On August 18, 2023, we concluded our investigation and determined that a partial error occurred to the $7.86 after the merchant issued the credit on August 9, 2023. For the remaining amount of $1,531.30, we determined that no error occurred. Clinton was notified of this on the same day.
   
  Between August 18, 2023 and August 24, 2023, Clinton made multiple requests to reopen the investigation and rebuttals were initiated. As of our latest decision on August 25, 2023, we notified Clinton via email that our decision remains that no error occurred.
   
  On August 24, 2023, Clinton requested a copy of the documents we relied on in making our determination. Please note, we will send the requested documents as quickly as possible, but it may take up to 10 business days.
   
  Claim ID: ********
  On August 21, 2023, ******* contacted us via live chat regarding eighteen transactions totaling $810.35 which ************;stated were unauthorized. We then opened an investigation into the matter and filed a dispute. 
   
  On August 22, 2023, we notified Clinton via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  On August 24, 2023, Clinton inquired about reopening the case, and a rebuttal claim was opened.
   
  On August 25, 2023, we notified Clinton via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied. 
   
  On August 26, 2023, Clinton requested a copy of the documents we relied on in making our determination. Please note, we will send the requested documents as quickly as possible, but it may take up to 10 business days.
   
  Claim ID: ********
  On August 26, 2023, Clinton contacted us via live chat regarding a transaction totaling $75.00 which ************;stated were unauthorized. We then opened an investigation into the matter and filed a dispute. 
   
  On the same date, we notified Clinton via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  We thank you for the opportunity to respond to *********************** complaint. If ***************************;continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

• Initial Complaint

  Date:08/21/2023

  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 called chime to get a dispute from a storage i was using for 2 years i finally moved do i no longer needed the storage i moved all my things out the storage and the lady charged my card well that money was my light bill to connect it she took she didn't care what i had to do then lied about returning my funds to my card so i googled chime number someone answered pretending to be customer service and started walking me through steps to get a dispute but what i didn't know he was walking me through a way to steal my money i explain this to customer service while crying on the phone they took everything my kids had no food to eat i had no gas for my car they left me with nothing

  Business Response

  Date: 08/31/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **********************************
   
  Claim ID: ********
  On August 11, 2023, Ernestine contacted us via phone regarding a transaction in the amount of $139.10 which Ernestine stated was unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On the same day, we notified Ernestine via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  Claim ID: ********
  On August 11, 2023, Ernestine contacted us via phone regarding two Pay Anyone transfers totaling $614.24 which Ernestine stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On the same day, we notified Ernestine via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  On August 14, 2023, Ernestine inquired about reopening the case, and a rebuttal claim was opened. On August 19, 2023, we notified Ernestine via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied. 
   
  On August 14, 2023, Ernestine requested a copy of the documents we relied on in making our determination which were forwarded to the email on file on August 16, 2023.
   
  We thank you for the opportunity to respond to *********************************;complaint. If *******************************;continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 08/31/2023

   
  Complaint: 20495899
  
  I am rejecting this response because: When I reached out to them in tears because someone pretended to be chime and took my money it was a number on their website so therefore I feel like chime should better protect our money while banking with them I work hard for my money to have someone pretend to be chime worker customer care provider and walk me through steps and took my money I was scammed it's bad enough they took my money but I couldn't put food in the house for my kids and if I have to I will take more steps because this was unfair to me they took everything I had that day the call was recorded so clearly you know I was crying and hurt yes I trusted the person because I thought they was walking me through away to dispute for the storage because she took my money I no longer needed the storage I moved she charged my card anyway then told me she sent the payment back never did I thought I was getting help its not fair at all while banking with chime I was told our money would be safe other banks detect fraud or scams and would cover something I made a mistake trusting CHIME

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

  Business Response

  Date: 09/07/2023

  Thank you for giving us the opportunity to follow up on *************************** BBB complaint.
   
  We understand this is not the resolution Ernestine was seeking, but we are confident the investigations of the claims were properly conducted and resolved.
   
  We thank you for the opportunity to respond to *************************** complaint. If *******************************;continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 09/09/2023

   
  Complaint: 20495899
  
  I am rejecting this response because:
  
  Sincerely,
  
  *********************************

  Business Response

  Date: 09/17/2023

  Thank you for giving us the opportunity to follow up on *************************** BBB complaint.
  
  We appreciate the circumstances surrounding *********'s complaint. However, we have confirmed that the claim was properly handled and correctly decisioned. Therefore, we consider this matter resolved. 
  
  We thank you for the opportunity to respond to *************************** complaint. If ********************************* continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

• Initial Complaint

  Date:08/21/2023

  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.

  Denied me for unauthorized charges on my account and refused to refund me of all unauthorized charges I have filed

  Business Response

  Date: 08/31/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
   
  Claim ID: ********
  On July 9, 2023, **********;contacted us via Chime application regarding four transactions totaling $277.34 which **********;stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On the same day, we notified Loren via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  Claim ID: ********
  On July 22, 2023, **********;contacted us via live chat regarding a transaction totaling $2.50 which **********;stated was unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On July 23, 2023, we notified **********;via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  Claim ID: ********
  On July 22, 2023, **********;contacted us via live chat regarding five transactions totaling $614.50 which **********;stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On July 23, 2023, we notified **********;via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  Claim ID: ********
  On August 18, 2023, **********;contacted us via live chat regarding two transactions totaling $206.50 which **********;stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On August 21, 2023, 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, Loren inquired about reopening the case, and a rebuttal claim was opened.
   
  On  August 22, 2023, we notified Loren via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied. 
   
  Claim ID: ********
  On August 19, 2023, Loren contacted us via live chat regarding two transactions totaling $405.50 which **********;stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On August 21, 2023, 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, Loren inquired about reopening the case, and a rebuttal claim was opened.
   
  On  August 22, 2023, we notified Loren via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied. 
   
  Claim ID: ********
  On August 21, 2023, **********;contacted us via live chat regarding two transactions totaling $5.00 which **********;stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On August 22, 2023, we notified **********;via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  We thank you for the opportunity to respond to *************************** complaint. If ************************;continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

• Initial Complaint

  Date:08/20/2023

  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 believe on 8/2/23 it was the last day I was able to use my money in Chime. Then they blocked my account. I already had sent pictures of my DL ID and passport on 8/1/23 and received the ticket number ******** to escalate the issue. They said they needed to verify 2 transactions on 7/20/23 from US bank and 7/21/23 from *************** so sent the the statements for July. Nothing happened. What the Call centers only could say was We will escalate this issue Still my account is blocked and I am unable to use my money although I emailed them to ask how I can help them to unlock my account but no reply.

  Business Response

  Date: 08/28/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
   
  On August 1, 2023, 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 Tomomi that could verify the source of the funds deposited.
   
  Between August 1, 2023 and August 7, 2023, Tomomi 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 Tomomi 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 directly by email at ********************************.

  Customer Answer

  Date: 08/29/2023

   
  Complaint: 20496477
  
  I am rejecting this response because: At the beginning of August, 2023, Chime asked me for copies of my ID and proof of income or source of deposits from Aspiration and US bank between 7/20/23 and 7/21/23. I have already sent the copies of my passport and driver license, and 2 bank statements from US bank and Aspiration in July, 2023 a few times. Not only once. Latest I sent them was on 8/21/23. Additionally, I emailed Chime to ask if these documents were enough to remove the hold and if these are not enough, what kinds of documents will be needed to remove the hold from my account. However, ********************** has never replied to the email. My account is still on hold. Please let me know what Chime wants me to do to remove the hold from my account. 
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 09/04/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
  
  Unfortunately we are unable to take further action to the account without the requested documentation. As a result, the account will remain suspended until valid documentation is provided. We emailed ****** on August 15, 2023 requesting the documentation that is still needed to re-enable the account. 
  
  The requested documentation can be sent to us by email at ********************************. 
  
  We thank you for the opportunity to respond to ******************************* complaint. If *************************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 09/05/2023

   
  Complaint: 20496477
  
  I am rejecting this response because:I have already sent all the documents as I explained in the previous message. I am going to send them again today and please let me know if you receive them or not. Plus if you need additional documents, please let me know. 
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 09/12/2023

  Thank you for giving us the opportunity to follow up on *************** BBB complaint.
  
  Please note, the account will remain suspended until valid documentation is provided. We last emailed ****** on September 7, 2023 requesting the documentation that is still needed to re-enable the account. 
  
  We thank you for the opportunity to respond to *************** complaint. If *************************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************. 

• Initial Complaint

  Date:08/19/2023

  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, customer support, team, members or dispute specialist have been lying to me about it my provisional credit for a dispute I filed on august 5 2023. They keep ignoring my questions and are not taking my situation for this dispute at all into consideration. I have gotten emails by the specialist saying they on the 18 I would get the provisional credit and its the 19 and they have nonstop ignored my questions. They lied to me and said I dont qualify when I know u do because this has happened to me in the past and I disputed a charge for the exact same mistake as that was made . I was credited provisional credit right away. I just want my provisional credit. I have sent them everything they need everything they asked for. But all I get is silence from them.

  Business Response

  Date: 08/29/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***********************.
  
  On August 5, 2023, Jetson contacted us via phone regarding transaction totaling $400.00 which stated was a duplicate charge. We then opened an investigation into the matter and filed a dispute. Due to the dispute type, Jetson is not eligible to receive a temporary credit. 
  
  The investigation is currently in process, and we are working to resolve ******'s case as quickly as possible. Based on the nature of the claim, we will complete the investigation no later than November 3, 2023. Jetson will be notified via email as soon as the investigation is completed.
  
  We thank you for the opportunity to respond to Jetson Duongs complaint. If *********************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 08/31/2023

   
  Complaint: 20496289
  
  I am rejecting this response because:

  I have been lied to by the customer service rep I spoke to over the phone. They informed me I did qualify for the credit. I was informed I would receive it on the 10 day **** for Provisional credit. I have in the past filed the same type of dispute before for a past transaction that was similar and I was provided provisional credit on the same day I filed. I know how the dispute process works and I know they lied to me 
  
  Sincerely,
  
  ***********************

  Business Response

  Date: 09/06/2023

  Thank you for giving us the opportunity to follow up on Jetson Duongs BBB complaint.
  
  We can confirm that the current dispute type is not eligible for a temporary credit. We will complete the investigation no later than November 3, 2023. Jetson will be notified via email as soon as the investigation is completed.
  
  We thank you for the opportunity to respond to Jetson Duongs complaint. If *********************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************. 

  Customer Answer

  Date: 09/10/2023

   
  Complaint: 20496289
  
  I am rejecting this response because:

  i have not been able to get my provisional credit no one answers my emails at all. My dispute is eligible for the credit and they are lying to me telling me about categories my dispute doesnt fall under 
  Sincerely,
  
  ***********************

  Business Response

  Date: 09/17/2023

  Thank you for giving us the opportunity to follow up on Jetson Duongs BBB complaint.
  
  We understand that ****** wanted to receive temporary credit for their claim. We can confirm that the type of dispute ****** filed is not eligible to receive a temporary credit. 
  
  We will complete the investigation no later than November 3, 2023. Jetson will be notified via email as soon as the investigation is completed.
  
  We thank you for the opportunity to respond to Jetson Duongs complaint. If *********************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************. 

  Customer Answer

  Date: 09/19/2023

   
  Complaint: 20496289
  
  I am rejecting this response because:
  Your lying to me
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:08/19/2023

  Type:Service or Repair 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.

  Saturday, August 19th, my banking account with ********************** was hacked. An individual managed to drain all the money from my savings, checking, chime credit builder accounts. I can see that the money was sent to 2 accounts who have Chime banking accounts as well. $2500.00 was sent to $******-Mobley3 and $414.82 was sent to $*******************************. The individuals were able to do this using the Chime Pay Anyone feature that allows for instant wire transfers to individuals. At no point did Chime contact me to verify that I was indeed making transfers for huge amounts. I didn't even know about Chime's Pay Anyone feature until all my money was stolen. I reported the theft immediately and was told it would be 10 days or more before my money could be returned. The Chime Dispute rep told me to just borrow the money from a friend and call the police. I need to allow Chime to investigate. After I filed my police report, I called Chime again. This time I spoke to *****, a supervisor in the ******************* she confirmed that my account was hacked and yes the funds were deposited into 2 Chime accounts but I can't have my money returned until the investigation concludes. She had no response to why transfers of that amount were not paused and the money immediately transferred. I want my money returned to me immediately and apology.

  Business Response

  Date: 08/29/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******************************
  
  On August 19, 2023, ****** contacted us via phone regarding two Pay Anyone transfers totaling $2,914.82 which ****** stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  On August 23, 2023, we notified ****** via email that we completed our investigation and based on the information available, we determined that no error occurred. As a result, ****** requested a copy of the documents we relied on in making our determination. Please note, we will send the requested documents as quickly as possible, but it may take up to 10 business days. Additionally, ****** inquired about reopening the case, and a rebuttal claim was opened.
  
  On August 25, 2023, we notified ****** 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 thank you for the opportunity to respond to ******************************* complaint. If ***************************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 09/01/2023

  
   
  Complaint: 20495844
  
  I am rejecting this response because:

  1. Under no circumstances did I authorize those 2 transactions which completely drained my account.  I supplied documentation of the complaints I filed with the ***** Internet Crime Unit; the Brooke ************************ in *********, **; the Better Business Bureau; The Financial *************************** and the Consumer Complaint I filled with the Attorney General of **'s office.  The the investigation that Chime conducted did not even bother to look at the documentation I supplied or to contact me in regards to the reports I filed.  Chime based their entire investigation based on a 7 question intake questionnaire at the time I filed a dispute and some shoddy film flam computer investigation.  

  2. Chime lies to their depositors by telling us that are funds are insured under ***************** N.A. If this is the case, then Chime would have no reason not to return my stolen funds to me.  Chime treated me like a criminal and a liar, and protected the accounts of the 2 individuals who actually stole my money. 
  
  3. I do not know the 2 individuals who stole my money and deposited my funds into their accounts using Chime's Pay Anyone feature.  Since these 2 transactions were P2P transfers, I believe Chime is in violation of the **** by not returning my money to me when I filed my dispute. I will supply an attachment explaining how Chime is violating this regulation because these are unauthorized transfers and whoever hacked into my account was committing fraud, by pretending to be me.  The **** states:
  An unauthorized EFT is an EFT from a consumers account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 12 CFR 1005.2(m). Unauthorized EFTs include transfers initiated by a person who obtained a consumers access device through fraud or robbery and consumer transfers at an ATM that were induced by force. Comments 2(m)-3 

  4. Although I was provided an opportunity to appeal the dispute decision, Chime closed my appeal before they emailed copies of the documentation used to investigate my dispute.  I opened a rebuttal for the dispute on 8/23/23. I was told by a Chime representative that documentation used to investigate my first dispute would be emailed to me in 10 business days.  Chime closed my second dispute on 8/25/23 while I was still waiting for the investigatory documentation to be emailed.  I received the documentation used for their investigation on 8/25/23, 2 days after Chime ruled against me for a 2nd time.  How am I supposed to respond to their first investigation when I don't know what resources were used to rule against me? It should be noted that Chime made no mention of the additional documentation I provided. 

  5. The only resolution that I will ever accept from Chime is that $2914.82 stolen from my account be returned to me.  When I spoke to *****, a dispute support supervisor, she confirmed that it was evident that my account was hacked and that I needed to allow Chime to conduct their investigation.  The 3 accounts I had with Chime, my credit card, my checking, and my savings account were all drained to zero balances. 
  
  Sincerely,
  
  *****************************
  
  
  

  
  

  Business Response

  Date: 09/08/2023

  Thank you for giving us the opportunity to follow up on ******************************* BBB complaint.
  
  On August 19, 2023, ****** contacted us to request to close their Chime account. As a result, ******'s account was closed per their request. 
  
  On August 29, 2023, a copy of the documents ***********;requested were forwarded to the email on file.
  
  On August 31, 2023, we notified ****** via email that we reopened the claim and determined that an error did occur. As a result, a credit in the amount of $2,914.82 was posted to ******'s account.
  
  On September 4, 2023, a check for the remianing balance on ******'s account was sent to the address on file. Please allow **** business days for the check to arrive. 
  
  We thank you for the opportunity to respond to ******************************* complaint. If ***************************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 09/11/2023

  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.

  The only reason that I am satisfied is that I received my physical refund check today from Chime Bank.  I am still troubled that no charges were filed against the 2 individuals who stole my money were able to keep their Chime Bank accounts.  Chime treated me like a criminal the entire time the investigation was conducted.  I would never do business with Chime ever again and other Chime depositors should be aware that your money is not safe with Chime and if you experience financial fraud, you will have to fight to get your money returned to you. 
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:08/18/2023

  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.

  The first day it started was 8/7/23 when I disputed a unauthorized charge from Amazon from my chime account for $200 On the 10th at 10:50 pm I was giving a temporary deposit or refund from chime for $200 I did not ask or want declined anyways due to my only request was for the initial $200 transaction to be refunded through dispute g it.Then Friday the 11th at 7:22 am I received the refund from Amazon to my chime account. I was never told anything about the temporary deposit even at that time or till the day it was taken from my account which was the 17th of August almost a week and a half later.. when I had $1.68 in my account. I just had a $2867 deposit from my school for the remainder of my student loansnever noticed the $200 back to back deposits all I knew was that the $200 from Amazon was refunded through email notification. Then on the 17th I received a notification saying that the $200 was taken again and overdraft me for $198. Like I mentioned I never asked or was aware of the temporary deposit all I requested I. Hopes for was the original $200 taken unauthorized. So I reached out to chime and expressed my side of the problem and I had 5 customer service reps 3nd me to a other customer service rep when I was told that I was being sent to a department that could help. Then deposit **** just hung up on me halfway through the resolution.then I called back and finally reached a supervisor and I expressed all of it to her ******* was her name and from the start was very rude kept cutting me off and talking over me as I was trying to explain. She even told me that every bank of credit card provided immediate temp refunds and I know that was also lie and she even said that a I transfered 200 to my fiance 2 days later and I did because I could not use none of my accounts so we needed the money and I didn't think it had anything g to do with it . Then she told me there was nothing she was goina do and hung up I just want my account back in good standing is all

  Business Response

  Date: 08/28/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **************************
  
  On August 10, 2023, ******* contacted us via the Chime app regarding a transaction totaling $200.00 which ******* stated was unauthorized. We then opened an investigation into the matter and filed a dispute. The same day, we applied a temporary credit to *******' account for the full amount of the dispute. This credit was provided to allow ******* with full use of the funds while we completed our investigation.
  
  As part of our dispute investigation, we filed a chargeback for the disputed transaction. 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 show that we received compelling evidence from the merchant. 
  
  On August 17, 2023, we notified ******* via email that we completed our investigation and based on the information available, determined that the merchant credited the account in the amount of $200.00 on August 11, 2023. As a result, the duplicate temporary credit was reversed, and *******' account was debited $200.00. 
  
  We thank you for the opportunity to respond to *************************' complaint. If ************************* continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 08/29/2023

   
  Complaint: 20491869
  
  I am rejecting this response because:
  
  Sincerely,
  
  *************************

  Customer Answer

  Date: 08/29/2023

  Yes I am not accepting what chime has responded to me with. I feel i was done wrong and with that wrong it has left me and my 3 sons in a very hard spot financially. I know $200 is not much but it is to us as I've been off work for 3 months due to a injury. All I'm asking is for what they took from me without me knowing it,confirming it, or asking for it to ve put back and my account put back in good standing. I talked to 4 reps on the day of my dispute from a unauthorized Amazon charge for $200. The dispute was filed and that night I got a notification stating g that the dispute was accepted and that it was put back in my account not once did anyone tell me that there was also a $200 temporary deposit just a couple hours later. Then my account was automatically devoted the $200 for a temporary deposit 10 days later which put my account in negative $200. They was the only bank account I had and now it's negative $198 and to keep my kids fes I can't even use it. I think they was wrong by doin so and I think that in future it needs to be disclosed to customers ahead of filing a dispute because I knew nothing of it nor did anyone even try to help me understand . Please help me

  Business Response

  Date: 09/08/2023

  Thank you for giving us the opportunity to follow up on *************************' BBB complaint.
  
  We can confirm that the merchant credited the account on August 11, 2023, in the amount of $200.00. Due to there being a duplicate credit, we debited the temporary credit totaling $200.00 from the account. 
  
  We thank you for the opportunity to respond to *************************' complaint. If ************************* continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 09/08/2023

   
  Complaint: 20491869
  
  I am rejecting this response because:
  It is not right they are carrying out there business and feel I have been robbed due to the lack of transparency of the company's way of doin things is not plainly stated for a customer nor will the reps tell you anything g at all. So no I reject there response of nothing is ask to please see the wrong in this and help
  Sincerely,
  
  *************************

  Business Response

  Date: 09/14/2023

  Thank you for giving us the opportunity to follow up on *************************' BBB complaint.
  
  We understand this is not the resolution ******* was seeking, but we are confident the investigations of the claim was properly conducted and resolved. Furthermore, *******' account was credited by the merchant and the account balance is correct. We now consider this matter resolved.
  
  We thank you for the opportunity to respond to *************************' complaint. If ************************* continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************. 

• Initial Complaint

  Date:08/18/2023

  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.

  About a month ago, I received a fraudulent charge in my bank account from ****************. Never used this service, never heard of it. I contacted Chime and in order to file a dispute, I had to have my card closed and wait for a whole new card. I also asked them to block the merchant and they told me they did. Today, I wake up with another $40 charge from ****************. Again fraud. So I contact Chime again and apparently I have to get a whole new card a month after I just got a new card just to dispute the charge. Even though last time, the dispute was rejected and I didn't get the money back that was literally stolen from my account. ********************** is doing nothing to protect me from fraud and having my money stolen from me. I want my $80 back without having to get another new card. And I want **************** blocked from taking any more of my money or legal action will be taken against both Chime and ****************.

  Business Response

  Date: 08/28/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ************************
  
  On July 7, 2023, **** contacted us via live chat regarding a transaction totaling $39.94 which **** stated was unauthorized. We then opened an investigation into the matter and filed a dispute. 
  
  On July 17, 2023, we notified **** via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  We have escalated ****'s 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 directly by email at ********************************.

• Initial Complaint

  Date:08/18/2023

  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 needed help moving money from my credit builder account to my savings account. Went online and called the number listed for Chime man answered Chime how may I help you told him I needed to to move money and order a credit builder card so he did it and when I checked my account $215 that was in my checking acct was gone . He had transferred it to an email I immediately called Chime at a different number and filed a complaint about being scammed they denied my claim twice I am wondering how this man how access to my account I didn't give him permission to take this money I am on a fixed income that was my money for the rest of the month.

  Business Response

  Date: 08/27/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ************************
  
  On July 12, 2023, **** contacted us via phone regarding a Pay Anyone transfer totaling $215.00 which **** stated was unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  On the same date, we notified **** via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  Between July 12, 2023 and August 14, 2023, **** made multiple requests to reopen the investigation and rebuttals were initiated. As of our latest decision on August 27, 2023, we notified **** via email that our decision remains that no error occurred.
  
  On August 10, 2023, **** requested a copy of the documents we relied on in making our determination. On August 14, 2023, a copy of the documents *********;requested were forwarded to the email on file.
  
  We thank you for the opportunity to respond to *********************** complaint. If *********************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

• Initial Complaint

  Date:08/18/2023

  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 signed up for the Chime online banking because a coworker told me that they get paid 2 days earlier than the regular banks. I figured why not, I tried it out. I set up direct deposit and received a paycheck deposited to the Chime account on 8/16/23. I still had a bank account with M&T Bank, which all of my bills are associated with. I transfered some money (I believe about $550) to my boyfriends Cashapp account so he could transfer it to the M&T account. I used the card a few more times, no problem. On 8/17/23 I got an email that my account was suspended and under review due to fraudulent activity. They requested documents, which I sent to them. They emailed me again pretty much the same request for documents, I sent it again. Got another email, same thing, I went back and forth sending them what they requested about 6 times. I called the customer support and they told me the review **** doesn't have phones and they communicate through email only. I emailed them asking for a resolution asap because I needed access to my funds. They then decided to close my account and the email states that the funds in my checking account will not be refunded, and the $150 I had in their savings account would be refunded. Then I received an email stating my savings account was closed and the money in it was sent to my Chime Checking account. So essentially they took my savings account money by transferring it to my checking account, then told me I won't get a refund of what is in my checking account because they could not verify where the funds were deposited from/to which is insane to me because I sent my paystubs, photo of my debit card with M&T bank (blocking out all but the last 4 numbers) and whatever documentation they requested. They stole all of my money. I called them after receiving the emails and they told me they would send an email to support and get back to me about a refund but no guarantee. She couldn't explain why or really anything. I feel like I got scammed.

  Business Response

  Date: 08/27/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******************************
   
  On August 18, 2023, after a complete review of **************;account, we identified loads to the account not in compliance with Chime's internal policies and the account agreement provided at account opening, therefore we exercised our right to close the account. We also requested documentation from Katelyn that could verify the source of the funds deposited.
   
  Between August 17, 2023 and August 18, 2023, Katelyn submitted some of the requested information for our review.
   
  The account remains closed and is not eligible for a refund check until Katelyn provides valid copies of the required documents. We emailed Katelyn on August 18, 2023 requesting the documentation that is still needed to re-enable the account.
   
  The requested documentation can be sent to us by email at ********************************.
   
  We thank you for the opportunity to respond to *****************************;complaint. If ***************************;continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 08/27/2023

   
  Complaint: 20490448
  
  I am rejecting this response because:
  I have sent multiple emails with documents requested. When I called the customer service number they would not provide me information with what additional document were needed. I also sent emails to the ******************************** asking what specific documents were required and never received a response. 

  I am happy to send whatever documentation is needed, I have everything ready to be sent. Please email me with what documents are needed, as I did mention I have sent countless documents to Chime, and they are still requiring more information, but they are not specific. 

   

  I can be reached at ***********************

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

  Business Response

  Date: 09/04/2023

  Thank you for giving us the opportunity to follow up on **************************************;BBB complaint.
   
  On August 31, 2023, upon further review of the documents provided, the account was re-enabled, giving Katelyn full access to the funds on the account.
   
  We thank you for the opportunity to respond to **************************************;complaint. If ***************************;continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.