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:07/11/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received 2 emails on June 11 stating that upon a review of my account it was determined that it had to be closed. I called and asked for more information and wasnt given any. I owed 20 maybe ************************************************************************************************************************************************************ an explanation when I pried further with skepticism but her accent was really thick and it was hard for me to understand. We left it at I didnt have to worry about it and the remaining balance of cents in my checking account would be mailed as a check. (It has)I informed them that my main concern was that I had a direct deposit coming sometime in the next few days and that the sender usually takes ***** days to update direct deposit information. She explained that their policy was to reject deposits and send the funds back to the sender since the account would not be open.On June 17 (maybe the 18) there was a deposit of ****** sent to my closed account. On July 1 (maybe the 2) there was another direct deposit sent in the amount of ******. The Office of the Attorney General is claiming that the reason why my money has not been reissued to the new account I provided is because Chime has not returned the funds. Before I file a complaint with them refusing to pay me and demand that they investigate, I would like to confirm that those deposits were not accepted and also the date they were returned and if it would be possible to email me the trace numbers, I would greatly appreciate it. Thank you, *******

  Business Response

  Date: 07/21/2025

  At Chime, protecting the privacy and security of our members is a top priority. Due to the sensitive nature of account-specific information, we are unable to discuss individual account details.

  For any additional questions or if you need further assistance, our *************** team is available and happy to help. You can reach us directly by calling ************.

  Customer Answer

  Date: 07/22/2025

   
  Complaint: 23585170
  
  I am rejecting this response because:
  

  I received an automated response. 

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

  Business Response

  Date: 07/28/2025

  Chime is in receipt of the rejection notice related to your prior BBB complaint.

  We appreciate you sharing your feedback with us. We're dedicated to creating the best experience possible and greatly appreciate your input.

  If you are a Chime member and have questions regarding account activity which require further assistance, our *************** team is available and happy to help. You can reach us directly by calling ************.

• Initial Complaint

  Date:07/10/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Ok , chime bank close my account april 29th with a balance of ***** in the savings account . Im tired of calling but they dont want to give me my money . Its been already past 2 months already . Everytime i ask them they dont know whete they sent the money and transfer me to an email department . In the ************* it says the money was taken but no one can answer me to where . Please help me ??.

  Business Response

  Date: 07/18/2025

  At Chime, protecting the privacy and security of our members is a top priority. Due to the sensitive nature of account-specific information, we are unable to discuss individual account details.

  For any additional questions or if you need further assistance, our *************** team is available and happy to help. You can reach us directly by calling ************.

  
  

• Initial Complaint

  Date:07/10/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I want to file a claim with chime because someone used my card and made some unauthorized transactions and I contacted chime and the merchant I sent screenshots and did everything I was told to do and they still denied my dispute. I asked them how could you settle a dispute in a couple of hours and how did you get a response that quickly and I couldn't. Nothing was done properly and I asked for a supervisor and they always tell me no one is on call so if no one on call who investigating these claims it doesn't make sense at all and I just want my money back

  Business Response

  Date: 07/18/2025

  At Chime, protecting the privacy and security of our members is a top priority. Due to the sensitive nature of account-specific information, we are unable to discuss individual account details.
  
  
  For any additional questions or if you need further assistance, our *************** team is available and happy to help. You can reach us directly by calling ************.

  Customer Answer

  Date: 07/21/2025

   
  Complaint: 23583683
  
  I am rejecting this response because: I have constantly reached out to all these merchant about this situation asking them to refund my money chime hasn't done anything besides denied my dispute. I don't care what I have to do I will do it because they are going to give me my money back. If you reached out to the merchant and haven't gotten a respond your bank supposed to give you your money or a provisional credit until the investigation is over. Chime has not done either. They have not investigated my dispute the that they say they used to deny my dispute doesn't add up. Now I need those same documents to prove it was an error. 
  
  Sincerely,
  
  ******* *******

  Business Response

  Date: 07/25/2025

  At Chime, protecting the privacy and security of our members is a top priority. Due to the sensitive nature of account-specific information, we are unable to discuss individual account details.
  
  For any additional questions or if you need further assistance, our *************** team is available and happy to help. You can reach us directly by calling ************.

  Customer Answer

  Date: 07/25/2025

   
  Complaint: 23583683

  am writing to express my continued dissatisfaction and concern regarding the handling of dispute #********-R7. Despite multiple attempts to resolve this issue, including numerous phone calls and the submission of extensive documentation, my dispute has been repeatedly denied.

   

  To reiterate, this dispute concerns several unauthorized transactions from the following merchants: Rent-a-Center, Lifetime Movie Network, and *******. As requested, I have provided the following supporting documents:

   

  - Screenshots of communications with all three merchants regarding the unauthorized transactions.

  - A detailed timesheet.

  - A police report documenting the fraudulent activity.

  - Email correspondence with each merchant, notifying them of the unauthorized transactions.

   

  I have diligently followed all instructions provided by Chime representatives and have kept records of all communications, including recorded phone calls.

   

  Given the lack of resolution and the repeated denials, I am formally requesting the following documentation used to determine the denial of my dispute:

   

  - Detailed transaction information, including locations, types of transactions (ATM, Retail, or Online), and the names of the financial institutions that initiated the charges.

  - Documentation showing the steps Chime took to contact Rent-a-Center, Lifetime Movie Network, and ******* regarding this dispute.

   

  As per standard banking procedures, I understand that I am required to contact the merchants first, which I have done without a satisfactory resolution. Following this, Chime, as my bank, is obligated to thoroughly investigate the dispute. If the investigation is not completed within 10 business days, I am entitled to a provisional credit, especially since these are unauthorized transactions. The repeated denials within 12 hours or the next day are unacceptable and do not reflect a proper investigation.

   

  I look forward to your prompt response and a resolution to this matter. Please provide the requested documentation and reconsider my dispute in light of the evidence I have provided.

   

  Sincerely,

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

  
  

  Business Response

  Date: 07/30/2025

  At Chime, protecting the privacy and security of our members is a top priority. Due to the sensitive nature of account-specific information, we are unable to discuss individual account details.
  
  For any additional questions or if you need further assistance, our *************** team is available and happy to help. You can reach us directly by calling ************.

  Customer Answer

  Date: 07/30/2025

   
  Complaint: 23583683
  
  I am rejecting this response because: That response has nothing to do with them providing the documents that was requested. I still highly recommend them to send the documents that was used to determine the denial and documents showing that they made an effort to contact the merchant. Under the regulations e they are required to provide those documents and with ******************************************************************************************************************** Before the 10 days chime always send an email saying there were no errors but how do they know if it's not error when they haven't investigated my dispute properly. I will not stop until my money is refunded.
  
  Sincerely,
  
  ******* *******

• Initial Complaint

  Date:07/09/2025

  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.

  On April 9th around 2am I was out driving Lyft, I accepted a ride to pick up a passenger as I was waiting for said passenger, 4 individuals approached my vehicle in all black and got into my car. Upon entering my vehicle one of the passengers who sat behind me choked me from behind while the person in my passenger seat took my phone and demanded the code to it. I struggled with them for a bit, even getting pepper sprayed. The perpetrators eventually got away with my vehicle, phone and other items in my car. I called the police from a nearby neighbor phone to report the incident once I got home I called Chime to report the incident. I had given Chime my police report, as well as a receipt showing that I had to get a new phone, I even had my detective who was/ is working on my case to send them a copy of the police report from his legitimate official police email so that they would know this was real, and he talked to chime with me over the phone. I was told that if I had supporting information that I would get my money back yet after disputing 4 times each time I was told that no error was found and that they could only reopen my dispute if I had new evidence to submit in which there was no more that I could give as I had given them all the evidence needed, yet Chime still refuses to give me back my money leaving my account in the negative,I had to ************* deposit because every time I got a check they took my money for the negative balance. I also now owe others because of this and this incident has affected my credit score and Chime continues to give me the same results. I just really would like the money that was taken from me back. They are just making me a victim all over again with the way they are handling this. I even asked at a point does a human over look the documents yet they seems like they couldnt give me an answer to this because any rightful human being would know that this was out of control.

  Business Response

  Date: 07/18/2025

  At Chime, protecting the privacy and security of our members is a top priority. Due to the sensitive nature of account-specific information, we are unable to discuss individual account details.

  For any additional questions or if you need further assistance, our *************** team is available and happy to help. You can reach us directly by calling ************.

• Initial Complaint

  Date:07/09/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm making a complaint against chime I got denied 10 times for unauthorized transaction on my account since April 24 I uploaded all supporting documents they asked me to upload just to get denied 10 times just recently

  Business Response

  Date: 07/18/2025

  At Chime, protecting the privacy and security of our members is a top priority. Due to the sensitive nature of account-specific information, we are unable to discuss individual account details.
   
  For any additional questions or if you need further assistance, our *************** team is available and happy to help. You can reach us directly by calling ************

  Customer Answer

  Date: 07/28/2025

  Complaint rejection taken in dictation by *** SS 07/28/2025 
  I sent in the police ***ort as they requested. 
  My dispute got denied 10 times.  They allowed the transaction go through. I called them while the transaction was pending and they advised to wait to submit the dispute until the payment has posted. 
  I want the money to be returned to me. 

  Business Response

  Date: 07/30/2025

  At Chime, protecting the privacy and security of our members is a top priority. Due to the sensitive nature of account-specific information, we are unable to discuss individual account details.
  
  
  For any additional questions or if you need further assistance, our *************** team is available and happy to help. You can reach us directly by calling ************.

  Customer Answer

  Date: 07/30/2025

   
  Complaint: 23576156
  
  I am rejecting this response because:
  
  Sincerely,
  I have gave chime one of the main supporting documents in which was a police report number and I still got denied i also gave my location in which I was not in ********** of the transaction I was in ******* ***** I had to work 
  **** *****

  Business Response

  Date: 08/04/2025

  Chime is in receipt of the rejection notice related to your prior BBB complaint.
  
  If you are a Chime member and we find that additional correspondence is needed, we may reach out to you.
  
  We appreciate you sharing your feedback with us. We're dedicated to creating the best experience possible and greatly appreciate your input.

  Customer Answer

  Date: 08/04/2025

   
  Complaint: 23576156
  
  I am rejecting this response because:i gave all the supporting documents especially the police report one of yall companies main supporting documents that was needed and still got denied this is the reason why so many people prefer a real bank and chime is holding me responsible for someone else getting into my account on my unauthorized transaction and it's obvious chime don't honor that an still trying to refuse to give me my money back 
  
  Sincerely,
  
  **** *****

• Initial Complaint

  Date:07/09/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I contacted my bank yesterday to file a dispute, a simple dispute about a minimum transaction that was under $20. That was mistakenly billed to me for a membership that I canceled 2 months ago. At this point I am beyond livid, I am p*****, I am angry. I am extremely upset beyond this planet beyond this atmosphere beyond this Earth, when I filed my dispute. I was not told by chime representative that my card was going to be canceled and that a new card would be issued to me. And that some crazy a**, virtual card would be put on my account. Never was I told that nor was I asked permission to cancel my card by the representative. S nor even given an opportunity to say no, do not cancel because I was never asked I go to the store yesterday to use my car. I'm standing in line buying grocery, I rang up my groceries, I go to pay with my card and my card because now I know I had money in my account that I can use I swipe my card again its decline embarrassing embarrassing, embarrassing, embarrassing. That I am in the store and I have money in my account after my groceries were ran up to have my card declined, and people looking at me. Behind me, in the grocery store was absolutely beyond disgustingly embarrassing. I am so beyond livid, which I'm incompetent representatives. They're incompetent an uneducated. How do you have your representative cancel someone's card not to tell them. I issue them another card not to tell them and then put some c*** a** piece of s***, virtual card on their account tomorrow is my baby, I have bills. I need to pay. I need to have access to cash that I can get from an ATM and because this incompetent representative of chime cancel my God. I am never without the means of it getting Monday. When my ******** enters my account *********** this point time, you need to educate your employees and they need to ask a customers a permission first before you do not cancel a customer's card without their permission, their knowledge or their approval

  Business Response

  Date: 07/18/2025

  At Chime, protecting the privacy and security of our members is a top priority. Due to the sensitive nature of account-specific information, we are unable to discuss individual account details.
  
  For any additional questions or if you need further assistance, our *************** team is available and happy to help. You can reach us directly by calling ************.

• Initial Complaint

  Date:07/09/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing this complaint against Chime Financial, Inc. regarding their handling of a $98.21 unauthorized transaction from Temu Com, ***orted on June 12, 2025.Chime opened a dispute but denied it on June 20, claiming no error occurred. I requested reviews multiple times between June 22 and July 2. On July 5, they denied it again.Chime claims they reviewed transaction and device data but have refused to provide any of it. They claim they contacted Temu, but both Temu and a Chime *** confirmed no such contact occurred. Chime ***s have also been unprofessional including hanging up on me when I calmly requested documentation of their findings.Chime says they are not a bank, yet they operate through The ************, N.A., and are thus subject to the *************** Transfer Act (EFTA). **** requires them to prove authorization which they have ****** date, I have received no refund, no proof, and no honest answers. I've begun pulling my money out of my account due to fear of this happening yet again.Resolution sought:Full refund of $98.21 Clear evidence behind their decision Accountability for misleading and poor service I've uploaded a screenshot of my police ***ort.

  Business Response

  Date: 07/18/2025

  At Chime, protecting the privacy and security of our members is a top priority. Due to the sensitive nature of account-specific information, we are unable to discuss individual account details.
   
  For any additional questions or if you need further assistance, our *************** team is available and happy to help. You can reach us directly by calling ************

  Customer Answer

  Date: 07/18/2025

   
  Complaint: 23573370
  
  I am rejecting this response because:

  Chime's response did not address my actual complaint. They provided a generic statement instead of acknowledging the specific issue, transaction, or evidence I submitted. Directing me to their *************** team which *** already contacted multiple times with no resolution, is not a meaningful or acceptable response. I am seeking a real explanation and resolution, not a copy-paste deflection.

  Also, why would I want to contact the same people who hung up on me multiple times, and told me $98.21 isn't an amount worth being this upset over.

   

  For these reasons, I reject this "response" Chime needs to be held accountable for violating the **** & Regulation E protocols.

   

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

  Business Response

  Date: 07/23/2025

  At Chime, protecting the privacy and security of our members is a top priority. Due to the sensitive nature of account-specific information, we are unable to discuss individual account details.
  
  For any additional questions or if you need further assistance, our *************** team is available and happy to help. You can reach us directly by calling ************.

• Initial Complaint

  Date:07/09/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello, I have been a Chime user for over a year and suddenly I am not able to login one day. Even though I had leftover funds from still using my account, my account was completely closed. I called the customer service line and they weren't able to reopen the account nor tell me exactly why it was closed. I would like a proper reason as to why my account was closed and the ability to appeal this decision. Thank you.

  Business Response

  Date: 07/18/2025

  At Chime, protecting the privacy and security of our members is a top priority. Due to the sensitive nature of account-specific information, we are unable to discuss individual account details.
  
  For any additional questions or if you need further assistance, our *************** team is available and happy to help. You can reach us directly by calling ************.

• Initial Complaint

  Date:07/09/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On May 17th 2025 I ordered an item for same day delivery from *******. The delivery driver failed to follow my delivery to door instructions and stole the item and took a picture at a location that was not my address and never once answered any chats via the ******* app. I was dependent on ******* chat associates promising my refund would be issued to my card processed on the the 17th and they stated it would arrive in 7-10 business days. That time frame passed and we approached a month and no refund i had continually contacted ******* and after 6 attempts and no refund i filed a chargeback with my bank Chime. Whom stated they were working on the dispute. I included multiple pieces of evidence such as ******* chats promising my refund with the stated refund amount of $357.19 and they still did not resolve it or provide a credit. I called back into chime after speaking with ******* a final time whom said atp file a dispute with your bank because youll recieve your refund faster they werent sure why i wasnt refunded yet. I called chim whom switched the claim type to refund promised not received and i then recieved a credit. I just got an email stating chim is reversing the credit even with multiple pieces of evidence showing ******* promised the refund. This needs to be fixed immediately.

  Business Response

  Date: 07/18/2025

  At Chime, protecting the privacy and security of our members is a top priority. Due to the sensitive nature of account-specific information, we are unable to discuss individual account details.For any additional questions or if you need further assistance, our *************** team is available and happy to help. You can reach us directly by calling ************. 

  Customer Answer

  Date: 07/18/2025

   
  Complaint: 23563550
  
  I am rejecting this response because: the process was completely ignored for my dispute for no reason when the company clearly stated the refund was due yet yall found no error occurred.
  
  Sincerely,
  
  ********** *****

  Business Response

  Date: 07/23/2025

  At Chime, protecting the privacy and security of our members is a top priority. Due to the sensitive nature of account-specific information, we are unable to discuss individual account details.
   
  For any additional questions or if you need further assistance, our *************** team is available and happy to help. You can reach us directly by calling ************

• Initial Complaint

  Date:07/09/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  So my debit card was stolen and two unauthorized transactions occurred that came out to be around ****** on July 4, 2025. When I called to cut my card off and dispute those transactions I explained to them that I thought that my brother was the person who may have done it because I knew he had access and my have known my pin to be able to make those transactions I was told that I couldnt dispute it because I knew the person. I have had nothing but issues the two or three times Ive had issues with unauthorized transactions with them I tried to file a complaint once before about money being taken from my account it was a problem because I didnt know who might have done it so they couldnt dispute it because if I didnt know who did it how could they access my account but now because I have a idea of who done it they cant dispute it.

  Business Response

  Date: 07/18/2025

  At Chime, protecting the privacy and security of our members is a top priority. Due to the sensitive nature of account-specific information, we are unable to discuss individual account details.
  
  For any additional questions or if you need further assistance, our *************** team is available and happy to help. You can reach us directly by calling ************.