Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/10/2023

  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.

  A few months ago, I disputed a fraud charge on my chime account. They closed my account and they did send me my first closure check, but then they finally decided that the fraud was accurate and they credited my account finally with a permanent refund. They are now holding the money and they have not sent me my check it has been over 60 days. I have emailed them and called them multiple times, they email back and say they will take care of it but it has been 60 days now.

  Business Response

  Date: 07/19/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******************************
   
  We have escalated ********** complaint to the appropriate department for further review. We appreciate their patience while we review their account.
   
  We thank you for the opportunity to respond to ********************************* complaint. If ***************************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at *********************************

• Initial Complaint

  Date:07/10/2023

  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 visited the atm on narcoosee (address shown in receipt) My first transaction for $400 processed. The second transaction for $400 withdrew the money from my account right before the screen on the atm crashed and stated it was out of order. I never received the cash for the second transaction. I reached out to chime and spoke with ***** after a 20 minute hold. I asked questions for clarification on the waiting time to get the money back. To this, ***** responded with a heinous attitude. July 9th I reached out to confirm the creation of the claim and it turns out the claim never existed. I created a new dispute to which chime responded that it will take up to 45 days to return the money and I might not be eligible for the credit. I have rent i need to pay month, not in a month in a half. I want my money back. This is ridiculous and not how a business should run their company whatsoever. *** had friends tell me they havent even gotten a refund despite not getting the money. *** worked with other banks that have immediately credited the account and finished the investigation quickly. I severely regret working with chime. As I told chime you can speak to the 711 and see me clearly on the security camera at the time of incident not getting the money.

  Business Response

  Date: 07/19/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******************************
   
  On July 8, 2023, Layla contacted us via live chat regarding a transaction totaling $400.00 which Layla Kaskandar stated was a non-dispensed transaction from an ATM. We then opened an investigation into the matter and filed a dispute. 
   
  On July 13, 2023, we applied a provisional credit to Laylas account for the full amount of the dispute. This temporary credit was provided to allow ********************;with full use of the funds while we completed our investigation.
   
  The investigation is currently in process, and we are working to resolve ************;case as quickly as possible. Based on the nature of the claim, we will complete the investigation no later than August 24, 2023. Layla will be notified via email as soon as the investigation is completed.
   
  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:07/10/2023

  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.

  Chime has not working to get my money back in my account it was taking for my account and I don't know what to do because I have been denied of all the dispute and it's not right

  Business Response

  Date: 07/19/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
  
  Claim ID: *******
  On March 14, 2023, ******* contacted us via app regarding 4 transactions totaling $68.00 which ******* stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  On March 22, 2023, we notified Crystal via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  On June 8, 2023, ******* requested a copy of the documents we relied on in making our determination which were forwarded to the email on file on June 27, 2023.
  
  Between June 8, 2023 and July 11, 2023, ******* made multiple requests to reopen the investigation. The rebuttal investigation is currently in progress and will be completed by October 9, 2023, and Crystal will be notified via email of the results. 
  
  Claim ID: ********
  On May 9, 2023, ******* contacted us via phone regarding a transaction in the amount of $65.43 which ******* stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  On May 15, 2023, we notified ******* via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  Between June 15, 2023, and July 12, 2023, ******* contacted us requesting to reopen their dispute. As a result, multiple rebuttal investigations were opened. As of our latest decision on July 12, 2023, our determination remained that no error occurred. 
  
  Claim ID: ********
  On June 5, 2023, ******* contacted us via phone regarding 177 transactions totaling $3,559.75 which ******* stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  On June 9, 2023, we notified Crystal via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  On June 15, 2023, Crystal inquired about reopening the case, and a rebuttal claim was opened.
  
  On July 15, 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. 
  
  Claim ID: ********
  On June 10, 2023, ******* contacted us via app regarding 2 transactions totaling $80.00 which ******* stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  On June 12, 2023, we notified Crystal via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  On June 26, 2023, ******* requested a copy of the documents we relied on in making our determination which were forwarded to the email on file on July 1, 2023.
  
  Between June 15, 2023 and July 12, 2023, ******* made multiple requests to reopen the investigation. The rebuttal investigation is currently in progress and will be completed by October 10, 2023, and Crystal will be notified via email of the results. 
  
  Claim ID: ********
  On July 5, 2023, Crystal contacted us via chat regarding 6 transactions totaling $464.19 which ******* stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  On the same day, we notified Crystal via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  On July 5, 2023, Crystal also inquired about reopening the case, and a rebuttal claim was opened.
  
  On July 18, 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 understand this is not the resolution ******* 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 Crystal Cooleys complaint. If *************************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 07/19/2023

  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:07/09/2023

  Type:Sales and Advertising 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.

  Received no type of notification my chime card was frozen/locked bc of unusual activity, but tried to log into the app. Emailed support, was told Id hear something in a few days. Never did. Emailed again and got a laundry list of items (including my other bank account statements) they were requesting. Did not feel comfortable providing, asked for my account to be closed via the telephone. ********* told me my account would be closed and I would be issued a refund check in the mail for the $20 some odd dollars I had remaining in my account. Received an email a few days later stating my account had been closed and was not eligible for a refund. What kind of scam is this? I deposit money into my account and you all close it and do not issue a refund? That sounds like theft.I am demanding a refund check for the money that was remaining in my account.

  Business Response

  Date: 07/19/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
  
  On July 3, 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 ******'s Chime account. As a result, we placed a hold on the account and requested documentation from ****** that could verify the source of the funds deposited.
  
  On July 9, 2023, we determined that the account of ****** 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.
  
  Upon receipt of ************** complaint, we have escalated their account for further review. We appreciate *************************************** 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: 07/19/2023

   
  Complaint: 20295598
  
  I am rejecting this response because they still have not refunded me my money. 
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 07/26/2023

  Thank you for giving us the opportunity to follow up on ********************* BBB complaint.
  
  The account remains closed and is not eligible to be re-enabled or for a refund check until ****** provides valid copies of the required documents. We emailed ****** on July 9, 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: 07/26/2023

   
  Complaint: 20295598
  
  I am rejecting this response because: I am not re-enabling the account I am wanting the money that was in my account given back to me. Keep my account closed, I NEVER want to do business with you all again. Ever  

  I will NEVER send YOU bank statements from another bank. That is a complete invasion of privacy. If I do not receive my money back I will be contacting a lawyer for further instruction.

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

  Business Response

  Date: 08/01/2023

  Thank you for giving us the opportunity to follow up on **************************;BBB complaint.
   
  Unfortunately, we are unable to take further action to the account without the requested documentation. As a result, the account will remain closed until valid documentation is provided.
   
  The requested documentation can be sent to us by email at ********************************. *************** contact Chime ****** Services at ************ if they have additional questions or concerns.
   
  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: 08/02/2023

   
  Complaint: 20295598
  
  I am rejecting this response because: I am good with the account being closed but I expect a check with the balance that was in my account. 
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 08/09/2023

  Thank you for giving us the opportunity to follow up on ********************* BBB complaint.
   
  We are more than happy to work with ****** to get their refund for the remaining balance on the account. The account remains closed and is not eligible for a refund check until *************************;provides valid copies of the required documents. We emailed ****** on July 9, 2023, requesting the documentation that is still needed for the refund check. 
   
  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: 08/09/2023

   
  Complaint: 20295598
  
  I am rejecting this response because I do not want to reopen the account and if I send them information about my account I want it closed permanently after issuing a refund check. 
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:07/09/2023

  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 had recently got hacked and had a complete account takeover. I got access back to my account and there were fraudulent and unauthorized transactions totaling close to $5,000.00. So I then started disputing transactions via phone & online app. They only approved about $1,5000.00 of that. Now what I cant understand is why the rest of the charges that were unauthorized and fraudulent, got denied on my dispute. I then disputed the denied disputes & was very clear with them that I felt that they were disrespectful in saying that the transactions were not fraudulent and no further action was to be taken when in all actuality, they were lying and they were making me out to be a liar. They denied my dispute on the denied disputes. I feel as if they are making me out to look like a fool and lying and I dont find it professional at all. Im very close to taking legal action against them if they cant return my funds to me that are FDIC insured like they claim. This isnt right and I want something done about it.

  Business Response

  Date: 07/17/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
   
  On June 29, 2023, Brandon contacted us via phone regarding twenty-six (26) transactions totaling $2,153.00 which ************;stated were unauthorized. We then opened an investigation into the matter and filed a dispute. 
   
  On the same day, we notified Brandon via email that we completed our investigation and based on the information available, we determined that no error occurred for twenty-five (25) transactions totaling $2133.00. The remainder of the claim totaling $20.00 was determined to have been refunded by the merchant. 
   
  On June 29, 2023, Brandon inquired about reopening the case, and a rebuttal claim was opened.
   
  On July 7, 2023, we notified Brandon 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: 07/18/2023

   
  Complaint: 20294703
  
  I am rejecting this response because the company never gave me any information that no errors occurred. I know for a fact that these were fraudulent and unauthorized. 
  
  Sincerely,
  
  *************************

  Business Response

  Date: 07/24/2023

  Thank you for giving us the opportunity to follow up on ******* Oneals BBB complaint.
  
  We understand this is not the resolution ******* was seeking, but we are confident the investigation of the claim was properly conducted and resolved. If ******* would like a copy of the documents used in the determination of the claim, we advise that they request the information via email and we will provide the documentation within 10 business days. 
  
  We thank you for the opportunity to respond to ******* Oneals complaint. If ************************* continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

• Initial Complaint

  Date:07/09/2023

  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 7-9-2023 at approx. 9:45PM I reached out to chime about items on my statement that was not mine. i informed ******* that after I notified chime back in march 2023 and filed the dispute and that dispute was approved. and approx. 7 weeks later the company started charging my card again as soon as I noticed the charges I informed chime at 9:45PM and the 4 hours later chime denies my claim and does not investigate any claim. how can a bank not investigate a claim at all. I have had over 100k go though this account and I don't feel like im protected claim ID ********

  Business Response

  Date: 07/17/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **************************
   
  On July 8, 2023, William contacted us via phone regarding fifteen (15) transactions totaling $146.60 which *************************;stated were unauthorized transactions. We then opened an investigation into the matter and filed a dispute. 
   
  On July 9, 2023, we notified William via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  On July 9, 2023, William inquired about reopening the case, and a rebuttal claim was opened. The rebuttal investigation is currently in process, and we are working to resolve **************;case as quickly as possible. Please note, the timeframe for the rebuttal process is 45 days and William will be notified via email once a final outcome has been determined.
   
  On July 9, 2023, William 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.
   
  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:07/09/2023

  Type:Sales and Advertising 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.

  Yesterday, Friday the 8th of July, i got an email stating that my bank Chime has decided i have violated their deposit agreement and that all three of my accounts with them were closed and not eligible for repayment. I emailed them multiple times asking for clarification on what i violated, stating i only get deposits from work, the occasional venmo, or depositing cash. I received many many emails from them. Some stating i wont get a refund, one that says both that i will and will not receive a refund. One that says i will get a refund check in 30 days. Other emails say theyve escalated the situation.After fighting my way through their customer service menu on the phone, i finally was able to speak to someone, who stated there was nothing he could do and that Id have to wait for an email. He also mentioned that i had various loads of money that couldnt be verified. When i asked for clarification i was told he did not have any answers. after ending that call, i received another email saying theyve reviewed my account and i will not receive my money back.In one of the emails they stated they needed identification and all my pay stubs from the previous 3 months (almost 20 paystubs). I asked for a new link because the original one didnt work, and got a final email stating i violated said deposit agreement and will not receive any money.This is very confusing and frustrating. I see that this is happening a lot and i believe something needs to be done before even more people lose their entire bank account balance with no warning or answers. Attached is a document with all of my email correspondence with Chime

  Business Response

  Date: 07/18/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **********************************
   
  On July 7, 2023, after a complete review of ******' account, we determined that the account was not in compliance with Chimes internal policies and the account agreement provided at account opening, therefore we exercised our right to close the account.
   
  The account remains closed and is not eligible to be re-enabled or for a refund check until ***********;provides valid copies of the required documents. We emailed Thomas on July 7, 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 ********************************.

• Initial Complaint

  Date:07/08/2023

  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.

  I started receiving emails on July 7th about a new account opened in my name. I emailed them back, about the person was not me. I called them on the 8th and the person on the other end said his name was ****, hung up on me, I called back and and the same person answered and told me that he sent everything to his supervisor and he would be calling me back. He never called, cause I never gave hime my number, never verified anything. I just got an email stating that a bite card was being sent out to me. I found an option to chat in one of the emails. When I went in chat at 7:31, the chat program said someone would be with me in 14 minutes, I waited and waited and no one came on. I need to make sure this account is stopped, closed and make sure nothing goes on my credit. My name and social security number was used to open a credit card in 2 other companies. I have my files frozen, I have things in place to battle this in real time. My ask is for someone to rectify this.

  Business Response

  Date: 07/17/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ************************
   
  Please note that Chime is a financial technology company, not a bank, and accordingly Chimes partner banks, The ************* N.A. or ************ N.A.; Members FDIC, provide their banking services. Chime and our ************* take identity theft claims very seriously and we actively investigate these claims in line with current industry practices, which are approved by our partner banks. Chime always strives to make improvements to our operations, especially as it relates to preventing unauthorized third parties from using another individuals personal information for illegitimate reasons.
   
  Our records indicate that on July 6, 2023 an application for a Chime Checking Account using John's information was submitted through Chimes website. Applicants are required to certify that the information provided at the time of enrollment is true, and as a result the application was deemed to be authorized and the application was approved.
   
  After a reasonable investigation, Chime flagged and closed the account on July 16, 2023. In order to prevent further unauthorized activity, Chime additionally flagged John's personal information so no other accounts would be opened using ***********;information on Chimes platform.
   
  As further reassurance, Chime would not report any information to external credit reporting agencies in relation to the unauthorized account, and ********************** will not hold John responsible for any activity on the account. Since John's personal information was used to open the account in question, ********************** recommends John take the following precautions to monitor their identity:
  Review their annual credit report for any unauthorized accounts/activity
  Contact the major credit reporting agencies to place a freeze on their credit report
  File an identity theft report 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: 07/17/2023

  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. But the means of contacting them, got us here.
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:07/08/2023

  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.

  On June 20th 2023, I transferred $2,500 from my Chime bank account to my linked Cashapp account. The transaction was disputed, and Chime charged back $2,500 from my cashapp without crediting or returning the funds to either accounts. I have filed multiple disputes requesting my funds and they have all been met with denial and rude inarticulate customer service based out of a foreign country. The chargeback occured over a week ago, and chime has stated that they have found no evidence of reason for dispute so they plan to not release my funds to either account.

  Business Response

  Date: 07/18/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
   
  When members notice an error with transactions on their Chime accounts, they can file a dispute through Chime. Disputes can be filed over the phone, by email or in the Chime app. On June 22, 2023, Jonathan contacted Chime to dispute a transaction that they claim was not received. Chime opened an investigation
   
  As part of our dispute investigation, Chime may file a chargeback. 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. 
  On June 28, 2023, ******** requested to cancel their dispute claim. As a result, the chargeback was reversed and payment was released to the merchant. We recommend contacting the merchant for additional information on when *********************** receive the funds from that merchant. 
   
  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: 07/18/2023

   
  Complaint: 20293104
  
  I am rejecting this response because:

  I have contacted cashapp, said merchant, and there is no record of the chargeback being released. 
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 07/24/2023

  Thank you for giving us the opportunity to follow up on *********************** BBB complaint.
  
  Please note, after ******** requested for the claim to be cancelled, the chargeback was reversed. We understand this is not the resolution ******** was seeking, but we are confident the investigation of the claim was 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: 07/24/2023

   
  Complaint: 20293104
  
  I am rejecting this response because:
    Cashapp never received the $2,500. Proof enclosed. 
  Sincerely,
  
  ***************************

  Business Response

  Date: 07/31/2023

  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 claims were properly conducted and resolved.
  
  Our records show that a rebuttal investigation was initiated for claim ******** which remains open. Please note, the timeframe for the rebuttal process is 45 days and ******** will be notified via email once a final outcome has been determined.
  
  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: 08/01/2023

   
  Complaint: 20293104
  
  I am rejecting this response because:
    This is not the first time Chime has opened a rebuttal of this claim just to close it at a later date. This is the 3rd rebuttal, and I have provided clear proof chime initiated a chargeback of $2,500 from cash app. Chime claimed to close the dispute, however never returned the charge back to cash app or my account. The clear stated issue is the mishandling and now disappearance of $2,500. If chime wishes to close the dispute, why did they not return the chargeback amount of $2,500. This has gone on beyond the standard wait time only due to chime continuing to force rebuttals upon closing the dispute. 
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:07/08/2023

  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 was at work when I got a notification that $100 had been charged to my Chime bank account at ******** Again, I was at work & not at a gas station so this charge was obviously fraudulent. I have had $1000+ fraudulently taken out of my bank account over the years & still kept banking with Chime because they always resolved the issues when I filed a dispute & gave me my money back. This time, I filed a dispute for the $100 ******* charge & it was immediately denied. Chimes response was that they concluded no error occurred. This is obviously extremely frustrating as I was clearly not at a gas station while I was at work. No one else has access to my account or card information. I explained all of this & sent screenshots of my time sheet proving I was at work. This was 9 days ago & I have not heard from Chime since. I feel like my personal ******************* is not safe or protected with this institution. $100 may not be a lot of money but it makes a difference for me. It shouldnt be this hard to get back whats yours.

  Business Response

  Date: 07/17/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *************************.
   
  On June 28, 2023, Miranda contacted us via Chime App regarding a transaction totaling $100.00 which Miranda Acree stated was unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On June 29, 2023, we notified Miranda via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  On June 29, 2023, Miranda 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.
   
  On June 29, 2023, Miranda inquired about reopening the case, and a rebuttal claim was opened.
   
  On July 10, 2023, we notified Miranda Acree via email that we reopened the claim based on the additional information provided and determined that an error did occur. As a result, a credit in the amount of $100.00 was posted to Miranda's account on the same day.
   
  We thank you for the opportunity to respond to Miranda Acrees complaint. If *************************;continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.