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:08/15/2023

  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.

  On 5/21/23 I file a dispute with Chime because of a transaction, a charge to my checking account that I never authorized of $506.70 from Spectrum. When I contacted Spectrum and file an investigation, they told me that it was not them and they have no record of any transaction of $506.70, in my statement for the month of May 2023 I only have a payment to them of $139.97 that I did and appear on my checking account the previous day 5/20/23. I email my statement to Chime support service. So, chime did a false investigation and concluded that there was no error occurred and on their final report they stated that I never submitted any documentation when they are where that one's telling me to email my statement to them and acknowledge that was received. I have all the emails about it. I reopen my dispute 5 times and they keep telling me they reached a final decision and no error occurred. That was my mortgage money and now I had a financial hardship thanks to them, At the moment I file a complaint with Consumer Financial ***************** (CFPB) and trying to get an attorney to help me but no luck no response, please help me.

  Business Response

  Date: 08/25/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *************************************
  
  On May 21, 2023, ****** contacted us via phone regarding a transaction in the amount of $506.70 which ****** stated was unauthorized. After the transaction settled, we then opened an investigation into the matter and filed a dispute.
  
  On May 26, 2023, we notified ****** via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  Between July 18, 2023 and August 15, 2023, ****** made multiple requests to reopen the investigation and rebuttals were initiated. As of our latest decision on  August 16, 2023, we notified ****** via email that our decision remains that no error occurred
  
  Between July 18, 2023 and August 11, 2023, ****** also requested a copy of the documents we relied on in making our determination which were forwarded to the email on file on August 3, 2023, August 8, 2023 and August 14, 2023, consecutively.
  
  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

  My compliant got denied for the 9 time. I could not reply to this email because I did not see it on time. But Chime financial services denied my complaint again right after this email was send.
  
  If I can open this complaint I will.
  
  Thank you.

  Business Response

  Date: 09/17/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *************************************
   
  On May 21, 2023, Michel contacted us via phone regarding a transaction totaling $506.70 which ***********;stated was unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On May 26, 2023, we notified Michel via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  Between July 18, 2023 and September 7, 2023, Michel made multiple requests to reopen the investigation and rebuttals were initiated. As of our latest decision on September 10, 2023, we notified ***********;via email that our decision remains that no error occurred.
   
  Between July 18, 2023 and September 7, 2023, ****** also requested a copy of the documents we relied on in making our determination which were forwarded to the email on file on August 3, 2023, August 8, 2023, August 14, 2023 and September 11, 2023 consecutively.
   
  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:08/15/2023

  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.

  On July 19th 2023, I reported an unauthorized pay anyone transfer for $1000 from my Chime account, to the ********************** account ******************************************. The dispute ID is ********. On May 3rd 2023, ************************* stole my phone, accessed my Chime account, and transferred $1000 from my savings account, to my checking account, and then to his own Chime account ******************************************. I filed a police report with the *************************************** which is case number 20230725-0725-00, in regards to the money that was taken from my account by *************************. The officer assigned to my case is ************************** My initial claim was denied by Chime with no explanation, as were my multiple rebuttals. I filed reports with the BBB, the **** the ***** and the **** regarding the dispute, which led to nothing. I requested documents from Chime that were used to determine the outcome of my dispute. I did not receive the requested documents within the deadline. When I finally did receive the documents, I noticed that the police report that I filed, was labeled as merchant evidence. I contacted Chime Disputes over this, and the supervisor agreed that it did not make any sense for evidence that I submitted, to be used in favor of the merchant. I would like to reiterate that the police report 20230725-0725-00 is MY police report, not *****************************. I need the investigations team to realize that the police report that I submitted as evidence should be used in favor of ME($*****************************-27), and not the "merchant"($*************************-13). I need a full refund of the stolen funds to my Chime account(*************************************************. The money that was stolen came out of my college savings, and I am in urgent need of it. I have yet to receive temporary provisional credit. If need be, I will file an arbitration claim against Chime to get my money back, and I have been in communication with an attorney. I will include all of the errors and mistakes that were made by Chime and its investigations team.

  Business Response

  Date: 08/25/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******************************
  
  On July 19, 2023, ******* contacted us via phone regarding one(1) PayAnyone transfer totaling $1,000.00 which ******* stated was unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  On July 20, 2023, we notified ******* via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  Between July 21, 2023 and August 16, 2023, ******* made multiple requests to reopen the investigation and rebuttals were initiated. As of our latest decision on August 25, 2023, we notified ******* via email that our decision remains that no error occurred.
  
  On July 21, 2023, ******* requested a copy of the documents we relied on in making our determination.
  
  On July 27, 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 ********************************.

  Customer Answer

  Date: 08/25/2023

   
  Complaint: 20474360
  
  I am rejecting this response because:
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:08/15/2023

  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.

  The reason I am filing this complaint is because money was stolen from Chime bank account on August 2nd. Someone compromised my account and connected their Cashapp account and stole ********** transactions) from me. When I called to let them know, they said there was nothing that could be done while the transactions were pending. Once the transactions went through I disputed all 22 transactions. On August 5th I received an email saying "No error occured and no funds would be credited". I then submitted multiple rebuttals (redisputes) to the outcome, and received the same response. I then received an email on August 14th from Chime's Investigation team with the documents they used throughout the investigation. They sent me the list of the transactions which I was already in possession of and a copy of the intake form. After that I called Chime once again to see what the next step would be. I was told I could submit another redispute but seeing how the first two were dismissed I did not want to go that route. I was then told that my case was considered closed and that nothing else would be done.

  Business Response

  Date: 08/25/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **************************
  
  On August 2, 2023, ***** contacted us via phone regarding twenty-two transactions totaling $2,478.00 which ***** stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  On August 5, 2023, we notified ***** via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  Between August 5, 2023 and August 7, 2023, ***** made multiple requests to reopen the investigation and rebuttals were initiated. As of our latest decision on August 9, 2023, we notified ***** via email that our decision remains that no error occurred.
  
  On August 5, 2023, ***** requested a copy of the documents we relied on in making our determination.
  
  On August 14, 2023, a copy of the documents Coley requested were forwarded to the email on file.
  
  We have escalated the dispute that ***** referenced for further review. We will update ***** on any updates regarding their claim via email. 
  
  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: 08/26/2023

   
  Complaint: 20473758
  
  I am rejecting this response because: I would like to keep this case open until I am fully refunded. Like I mentioned in my original complaint, my disputes with chime were escalated multiple times no action being taken.  
  
  Sincerely,
  
  *************************

  Business Response

  Date: 09/04/2023

  Thank you for giving us the opportunity to follow up on ************************* BBB complaint.
  
  On August 26, 2023, 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. We are still awaiting a response from the merchant.
  
  Please note, we will notify ***** of the results of the investigation no later than November 23, 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: 09/05/2023

   
  Complaint: 20473758
  
  I am rejecting this response because: I would prefer to keep the case open until those funds are deposited back into my account. Due to ********************* investigation I have not been able to pay my bills as I did before. 
  
  Sincerely,
  
  *************************

  Business Response

  Date: 09/12/2023

  Thank you for giving us the opportunity to follow up on ************************* BBB complaint.
  
  On September 8, 2023, we applied a temporary credit to Coleys account for the full amount of the dispute. This credit was provided to allow Coleywith full use of the funds while we completed our investigation. Please note, we will notify ***** of the results of the investigation no later than November 23, 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: 09/12/2023

  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.
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:08/15/2023

  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 had chime card used on BetMGM on or about February 28, 2023. In the amounts of $100, $150, and $200. I filed a dispute with chime on March 4th 2023. Requesting that the money be given back to me. As an authorized transactions, the initial claim was given a provisional credit for the $150 trans action only, a resolution date of June 4th was set, June 4th came and went. And no decision had been made, I've heard I filed for a rebuttal and nothing ever came of it today is now August 15th and I still have not had any resolution to this case. I have filed multiple requests for information and for rebuttal. And to get my money back with no answer. Other than it's been escalated and somebody will contact you.

  Business Response

  Date: 08/25/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***************************.
   
  On March 6, 2023, Millard contacted us via phone regarding three transactions totaling $450.00 which Millard stated goods or services were not received. We then opened an investigation into the matter and filed a dispute.
   
  On March 10, 2023, 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 **************;dispute.
   
  On April 7, 2023, we notified Millard via email that we completed our investigation and based on the information available, we determined that no error occurred for two transactions totaling $300.00.
   
  On April 20, 2023, we also notified Millard via email that we determined an error occurred for the remaining amount of $150.00. As a result, a credit in the amount of $150.00 was posted to Millard's account on the same day.
   
  On April 7, 2023, Millard requested a copy of the documents we relied on in making our determination which were forwarded to the email on file on April 17, 2023.
   
  We have escalated the dispute referenced in Millard's complaint for further review. Millard will be notified via email as soon as the investigation is completed.
   
  We thank you for the opportunity to respond to ******* Beatty's complaint. If **************************;continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

• Initial Complaint

  Date:08/15/2023

  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.

  My chime account was hacked and money was sent to an email account, they remote accessed my account t from an app called anydesk, they were impersonating a chime rep. *** I tried to get chime to stop the payments emdiately but they wouldn't. For 2 weeks now I have been fighting with chime to get my money back, I opened a dispute and they denied it, I have since opened 4 disputes and they deny every one of them. These are unauthorized by me and I gave them the phone numbers and sent them countless emails with fraud info for them and have talked to over 20 chime reps, they are not doing anything to help me. Can you please help?

  Business Response

  Date: 08/25/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
  
  On August 3, 2023, Crystal contacted us via phone regarding two Pay Anyone transfers totaling $740.00 which ******* stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  On August 6, 2023, we notified ******* via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  On August 8, 2023, ******* requested a copy of the documents we relied on in making our determination. On August 11, 2023, a copy of the documents Crystal requested were forwarded to the email on file.
  
  Between August 7, 2023 and August 23, 2023, ******* made multiple requests to reopen the investigation and rebuttals were initiated. As of our latest decision on August 23, 2023, we notified ******* via email that our decision remains that no error occurred.
  
  We have escalated the dispute referenced in *******'s complaint for further review. We appreciate *******'s 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 directly by email at ********************************.

  Customer Answer

  Date: 08/26/2023

   
  Complaint: 20472850
  
  I am rejecting this response because: they failed to mention that I sent in numerous emails proving that my account had been hacked and the only information they sent me fir saying there was no error was a picture of my account, I have made police reports and contacted numerous agencies to help with this case, the last chime rep told me that there was no proof that it wasn't me, pretty much accusing me of stealing my own money, I am not ok with thier decision or they the way they have treated me
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 09/04/2023

  Thank you for giving us the opportunity to follow up on ********************** BBB complaint.
  
  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 ********************************. 

• Initial Complaint

  Date:08/15/2023

  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 transferred money into my chime account from my personal bank account and ******************** locked my account they are requesting documents that I have sent over 39xs and they are still refusing to unlock my account and give me access to my funds I am requesting 450 dollars that they are holding of mine and payment for the time I have waisted trying to fight with this piece of s*** bank . That refuses to give me my money back after I have provided everything I can to prove I am whom I say I am and that it is my money that cAme from a settlement . I will never bank with this stealing company again and will tell everyone not to bank with them

  Business Response

  Date: 08/25/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *****************************.
   
  On July 26, 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 Tanyas Chime account. As a result, we placed a hold on the account and requested documentation from Tanya that could verify the source of the funds deposited.
   
  Between July 27, 2023 and August 22, 2023, Tanya submitted some of the requested information for our review.
   
  We have escalated the documentation previously provided for an additional review. We appreciate their patience while we review their account. 
   
  We thank you for the opportunity to respond to ***** Couturiers complaint. If *************************;continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

• Initial Complaint

  Date:08/15/2023

  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.

  On August 13, 2023, $661 was taken out of my account without my permission . Chime is the name of the bank I filed a complaint and they basically did nothinig. They said it was authorized when it wasn't. I'm 69 years old and only get SSI once a month. I dont understand why they won't help. I filed a complaint with Consumer Financial. Chime did the fastest investigation I've ever in under 3 hours. I'd like my money credited back in my account, because is fraud. It's been scams gong on at this particular bank, was even on the news. I need help please!!!

  Business Response

  Date: 08/25/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
   
  On August 13, 2023, Barbara contacted us via phone regarding one(1) PayAnyone transfer totaling $661. which Barbara stated was unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On August 14, 2023, we notified Barbara via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  On August 22, 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 ********************************.

• Initial Complaint

  Date:08/15/2023

  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.

  Money was sent to wrong recipient I called in to tell chime they told me I would get a credit of 600$ in ten days and this been goin on since June i continue to put in rebuttals because the day before Im suppose to get my credit back they denied it I have giving them proof of everything they ask for they than reached out to me saying that they issued at credit but nothing was credited to my account I have all the proof

  Business Response

  Date: 08/24/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***********************.
   
  On June 2, 2023, Ebony contacted us via phone regarding a Pay Anyone transfer totaling $600.00 which Ebony stated the intended recipient did not receive. We then opened an investigation into the matter and filed a dispute.
   
  On the same day, we notified Ebony via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  Between June 2, 2023 and July 26, 2023, Ebony made multiple requests to reopen the investigation and rebuttals were initiated. As of our latest decision on July 26, 2023, we notified Ebony via email that our decision remains that no error occurred.
   
  Between June 14, 2023 and June 17, 2023, Ebony requested a copy of the documents we relied on in making our determination.
   
  On June 23, 2023, a copy of the documents Ebony requested were forwarded to the email on file.
   
  We thank you for the opportunity to respond to Ebony Nelsons complaint. If *****************;continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 09/25/2023

  My response is I should be credited my 600 dollars back even the receipt said they was trying to send my money back so I dont know whats going on

  Business Response

  Date: 09/30/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***********************.
   
  On June 2, 2023, Ebony contacted us via phone regarding a Pay Anyone transfer in the amount of $600.00 which Ebony stated was transferred to the incorrect recipient. We then opened an investigation into the matter and filed a dispute.
   
  On the same day, we notified Ebony via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  Between June 2, 2023 and July 26, 2023, Ebony made multiple requests to reopen the investigation and rebuttals were initiated. As of our latest decision on July 26, 2023, we notified Ebony via email that our decision remains that no error occurred.
   
  On June 17, 2023, Ebony requested a copy of the documents we relied on in making our determination which were forwarded to the email on file on June 23, 2023.
   
  Additionally, If an investigation requires additional time for review, we may provide a provisional credit to the account. Our records further indicate Ebony's dispute was filed on June 2, 2023 and resolved 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 directly by email at ********************************.

• Initial Complaint

  Date:08/15/2023

  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.

  Hello my account was closed on May 12, 2023 at the time I filed a complaint against chime. I was awarded $475.00 due to the dispute filed. On July 12. ************************************************************* the mail. UNITED POSTAL MAIL SERVICE was contacted via email. I forwarded all communications to chime. On 07 ******* I requested a reissue of check in which chime informed my account was -****** I requested all documents that assisted in the company overturning their first decision I also filed a rebuttal ans uploaded additional information regarding the dispute.

  Business Response

  Date: 08/24/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *********************.
  
  Claim ID: ********
  On May 12, 2023, Dynesha contacted us via email regarding two transactions totaling $435.00 which ******* stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  On May 29, 2023, we notified Dynesha via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  The rebuttal investigation is currently in process, and we are working to resolve *******'s case as quickly as possible. Please note, the timeframe for the rebuttal process is 45 days and Dynesha will be notified via email once a final outcome has been determined.
  
  On July 10, 2023, we applied a provisional credit to Dyneshas account for the full amount of the dispute. This temporary credit was provided to allow Dynesha with full use of the funds while we completed our investigation.
  
  On July 3, 2023, ******* requested a copy of the documents we relied on in making our determination.
  
  On July 28, 2023, a copy of the documents Dynesha requested were forwarded to the email on file.
  
  Claim ID: ********
  On May 13, 2023, ******* contacted us via chat regarding two transactions totaling $375.00 which ******* stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  On May 21, 2023, we applied a provisional credit to Dyneshas account for the full amount of the dispute. This temporary credit was provided to allow Dynesha with full use of the funds while we completed our investigation.
  
  On July 4, 2023, 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 August 2, 2023, we concluded our investigation and determined no error occurred. Dynesha was notified of this on the same day.
  
  On August 2, 2023, we notified Dynesha via email that we completed our investigation and based on the information available, we determined that no error occurred. As a result, we also notified Dynesha that the provisional credit issued on May 21, 2023 would be reversed and the account would be debited on August 9, 2023. 
  
  On August 3, 2023, ******* requested a copy of the documents we relied on in making our determination.
  
  On August 8, 2023, a copy of the documents Dynesha requested were forwarded to the email on file.
  
  On August 22, 2023, we notified Dynesha via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied. 
  
  Account Closure:
  On May 15, 2023, after a complete review of *******'s 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.
  
  On May 29, 2023, a check for the remaining balance on Dynesha's Credit Builder account was sent to the address on file. Our records show that the check was processed and cleared on June 12, 2023. 
  
  We thank you for the opportunity to respond to Dynesha Rays complaint. If ********************* continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 08/25/2023

   
  Complaint: 20471224
  
  I am rejecting this response because: I didn't receive the closure check I actually requested a reissue of check due to it being lost in the mail on 07.26.2023. Please provide documents of proof that the closure check was cleared. 
  
  Sincerely,
  
  *********************

  Business Response

  Date: 08/31/2023

  Thank you for giving us the opportunity to follow up on Dynesha Rays BBB complaint.
  
  On May 29, 2023, two checks for the remaining balance on Dynesha's Credit Builder and Checking account were sent to the address on file. Our records show that the checks were processed and cleared on June 12, 2023. 
  
  On July 12, 2023, a check for the new balance on Dynesha's Checking account was sent to the address on file. Our records show that this check was cancelled. 
  
  Upon receipt of *******'s complaint, we have escalated to have a check for the balance on Dynesha's Checking account send to the address on file. Please allow **** business days for the check to arrive. 
  
  We thank you for the opportunity to respond to Dynesha Rays 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: 20471224
  
  I am rejecting this response because: Chime member service agents emailed back to me yesterday that it would take 30 days to receive my closure check. I asked for the full amount total and no agent was able to provide that information. *** asked for supervisors and all. Please see attached statement. 
  
  Sincerely,
  
  *********************

  Business Response

  Date: 09/07/2023

  Thank you for giving us the opportunity to follow up on Dynesha Rays BBB complaint.
  
  On August 31, 2023, a check for the remaining 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 Dynesha Rays complaint. If ********************* continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************. 

  Customer Answer

  Date: 09/07/2023

   
  Complaint: 20471224
  
  I am rejecting this response because: AS YOI CAN SEE YOUR AGENTS HAVE GIVEN ME DIFFERENT STORIES. I HAVE NOT RECEIVED MY CLOSURE CHECK IN THE AMOUNT OF ****** NOR THE *****. CHIME HAS CONSTANTLY LIED. WHEN I REQUEST A SUPERVISOR I GET THE RUN AROUND. PLEASE EXPEDITE THE CORRECT CLOSURE CHECK I ALSO WOULD LIKE A DIRECT EMAIL AND TRACKING OF CHECK. IT HAS BEEN 3 MONTHS CHIME HASNT FOLLOWED THROUGH WITH ANY OF MY REQUEST AND THE AGENTS ARE INCOMPETENT TO EVEN DO RESEARCH. 
  
  
  Sincerely,
  
  *********************

  Business Response

  Date: 09/14/2023

  Thank you for giving us the opportunity to follow up on Dynesha Rays BBB complaint.
   
  Our record shows that the remaining balance left on Dynesha's account by the time of account closure is accurate. 
   
  On August 31, 2023 A closure check 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  Dynesha Rays complaint. If  Dynesha Ray continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************. 

  Customer Answer

  Date: 09/18/2023

   
  Complaint: 20471224
  
  I am rejecting this response because:: CHIME HAS CONTINUED TO GIVE FALSE INFORMATION
  
  I HAVE FILED MANY COMPLAINTS. I AM NOW BEING TOLD BY YOUR AGENTS MY CREDITS HAVE NOT APPLIED AND I WILL NOT GET MY CLOSURE CHECK
  
  THIS HAS BEEN A 3 MONTH PROCESS. I WOULD LIKE MY CLOSURE CHECK IN FILL OF ****** PROCESSED AND EXPEDITED TO MY ADDRESS

  I WOULD ALSO LIKE MAIL DELIVERY TRACKING NUMBER TO BE PROVIDED. 
  
  
  
  Sincerely,
  
  *********************

  Business Response

  Date: 09/25/2023

  Thank you for giving us the opportunity to follow up on Dynesha Rays BBB complaint.
  
  We can confirm that correct amount of closure check for the remaining balance on Dynesha's account was already sent and processed. We now consider this matter resolved.
  
  We thank you for the opportunity to respond to Dynesha Rays complaint. If ********************* continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************. 

  Customer Answer

  Date: 09/26/2023

   
  Complaint: 20471224
  
  I am rejecting this response because: I asked for chime to confirm the amount due to the fact that your agents keep providing different responses. One stating that the amount is only ***** and not ****** I have not received closure check yet to my address to verify. 
  
  Sincerely,
  
  *********************

• Initial Complaint

  Date:08/15/2023

  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.

  Phone and ID stolen July 1st Fraud reported to time by July 3rd Trying to continue to allow thieves to take money out after repeated reports and then in August they let them go right back in and take money out again and account that should have been closed and account number changed. I am suffering continuous damages from not having my money to pay bills accounts are bouncing because they took all the money out and gave it to the thieves here is an explanation. I reported my chime checking account I used without any authorization within 48 hours of it being used and stolen. It was abused from the chime app on my phone I reported my phone stolen I reported that the ******** I reported my phone had been stolen to chime and I reported the fact that my driver's license was stolen so do not accept any changes to the account because there had been a bunch of fraudulent charges. These have been done through the chime application through people like uber many times. They also used it on cash app which they took $320 out several other transactions were sent to somebody called *********************. I did not have my phone or access to my email. charged money also to Uber eats. Chime kept asking for me to point out what transactions were fraudulent I said every transaction after 2:00 p.m. on July 1st with the exception of one $100 ATM which was me taking money out from the credit builder account. My wallet was gotten into and left they took only my *********** credit card my driver's license and I suppose copy the numbers off the debit card.They went as far as letting the thief change my address, my email associated with the account . So I was a lame duck they had my telephone where verification they would call the number and they had my driver's license The fraudulent charges in August are over $600 and they were very clear and I think about $1,000 ****** account and hacked them and gave themselves access to my email and it wasn't until August 6th that I was able to recover it.

  Business Response

  Date: 08/24/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **********************************
   
  On July 2, 2023, Francisco contacted us via phone regarding eight transactions totaling $521.86 which Francisco stated were unauthorized. After the transactions settled, we then opened an investigation into the matter and filed a dispute.
   
  On July 6, 2023, we notified Francisco via email that we completed our investigation and based on the information available, we determined that no error occurred for the transactions in the amount of $114.41. 
   
  On July 15, 2023, we also notified Francisco via email that we completed our investigation and based on the information available, we determined that no error occurred for the remaining transactions in the amount of $407.45.
   
  Between July 16, 2023 and July 19, 2023, Francisco requested a copy of the documents we relied on in making our determination which were forwarded to the email on file on August 10, 2023.
   
  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 ********************************.