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:01/26/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Chime is an extremely backwards bank.They processed EIGHT duplicate charges on my account from the same Merchant. They allowed these charges to process, when if I use an incorrect pin at a grocery store for **** they will notify me and stop it.I called customer service - they gave me the run-around. The managers are unavailable which needs to be looked into. One supervisor said they could give me a provisional credit in a few hours, then another supervisor said there are no provisional credits for pending charges? HUH?!? So if a person got access to my card - spent thousands - I catch it while the charge is pending - there is NOTHING they can do until my money is gone. My biggest gripe is their lack of organization and conflict resolution. They have no one to talk above the supervisors. They have conflicting talking points. And Im closing my account immediately and I recommend you all do the same.I understand that 200 of SpotMe coverage is great but other banks offer similar programs and have credit building opportunities as well.Chime needs to be investigated by the ****

  Business Response

  Date: 01/25/2023

  ************************* established your Chime Checking Account and serves as the issuer of the Chime **** Debit Card and, as such, is concerned with your complaint. As the issuer, we take all matters which affect consumers who utilize the Chime Checking Account very seriously.We have conducted an investigation into the matter and reached out to Chime to better understand the full scope of this matter. Chimes investigations show the following:
  
  Chime reviewed your account and found that on January 13, 2023, you reported 9 transactions that appeared to be duplicate authorizations all from Affirm.
  
  Of these 9 authorizations, 8 have expired and only one reported authorization of $63.46 settled. You have yet to confirm that you still wish to proceed with the dispute claim, which you can do through the Chime app. Otherwise, after 30 days, no dispute will be filed and the dispute intention will be dropped.
  
  Unfortunately, Chime has no control over merchant authorizations and cannot issue provisional credits for charges that have not settled. If you still have duplicate transactions you wish to dispute, please contact Chime directly through the app or via email at ********************************.
  
  Chime and *********** place great importance on providing an excellent customer experience. Please contact ********************** ****** Services at ************ if you have any further questions or concerns.

  Business Response

  Date: 02/03/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ************************
  
  On January 13, 2023, **** contacted us via phone regarding several transactions that were pending to their account. Upon review of their account, only one of the transactions has settled on their account. If **** believes the settled transaction was unauthorized, we encourage them to review their statements. If they do not recognize any transactions, they may file a dispute by contacting ********************************
  
  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:01/26/2023

  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.

  Around May 2022 I was scammed by a carlot, I turned in all the evidence I had and plus 100+ reviews from BBB, I sent in news article of them making the newss for scamming innocent ppl. At the time of this i was battling with depression and being a single mother with no money, I reached out to chime for help getting my money back but I was treated like I was the scammer and after all the evidence I showed, the car lot sent fake documents and fraudulent transactions stating I had previously exchanged money with them, which was a lie. I was so depressed that I tried to end it all, I was recently released from behavioral health facility to find out that, the car lot got shutdown for DOING EXACTLY WHAT WAS DONE TO ME!!! I think that should be all the proof you need, now can you help me? Im not your customer anymore but at the time I was and I was literally crying on the phone to your reps begging somebody to help, I had police reports offer to get other chime members names that was scammed and all so with that being said, can yall please make this right,

  Business Response

  Date: 02/03/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ********************
   
  On May 7, 2022, ***** contacted us via email regarding 4 transactions totaling $4,100.00 which ***** stated goods were not received from. We then opened an investigation into the matter and filed a dispute.
   
  On May 28. 2022, we notified ***** via email that we completed our investigation for part of the claim totaling $400.00 and based on the information available, we determined an error occurred. As a result, a credit in the amount of $400.00 was posted to Ebonis account on May 28, 2022. Additionally, we notified ***** via email that we completed our investigation for the remainder of the claim totaling $3,700.00 and based on the information available, we determined that no error occurred. The same day, ***** inquired about reopening the case, and a rebuttal claim was opened.
   
  On May 29, 2022, 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. The same day, ***** requested a copy of the documents we relied on in making our determination.
   
  On May 30, 2022, a copy of the documents ***** requested was forwarded to the email on file. 
   
  Between May 30, 2022 and July 13, 2022, ***** made multiple requests to reopen the investigation. As of our latest decision on August 21, 2022, we notified ***** via email that our decision remained that no error occurred.
   
  On July 13, 2022, ***** inquired about reopening the case, and a rebuttal claim was opened. The same day, 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. Please note, we now consider this matter closed
   
  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:01/25/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I filed a dispute due to a fraudulent transaction that occurred on my account, I was provided a provisional credit on Jan 4, 2023 but the temporary credit was reversed. I have contacted several times submitting in app requests and have been given the runaround about an escalation to the investigations department etc. The agent I first spoke to even said I would receive a refund and it is all in the chat receipts. I have now lost so much money and the worst part is the transaction says it was in another state than I live in! This is totally unacceptable and I just want Chime to take responsibility for the issue and give me my money back.

  Business Response

  Date: 02/03/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ************************** 
   
  On December 29, 2022, ******* contacted us via phone regarding 2 transactions totaling $8,000.00 which ******* stated were unauthorized. We then opened an investigation into the matter and filed a dispute. 
   
  On January 4, 2023, we applied a provisional credit to ******** account for the full amount of the dispute. This temporary credit was provided to allow ******* to make full use of the funds while we completed our investigation. 
   
  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 received compelling evidence from the merchant on January 17, 2023. Based on this evidence, we determined that no error occurred. As a result, we also notified ******* that the provisional credit issued on January 17, 2023, would be reversed and the account was debited on January 24, 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 ********************************. 
  
  

• Initial Complaint

  Date:01/25/2023

  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.

  My identity was stolen and my payroll check was deposited into a fraudulent Chime account created in my name. I called Chime on 1/6/2023 to report this, request my funds be returned and close the account. The fraud department was able to tell me exactly when my payroll check was deposited and when it was moved to a different account. I emailed review@Chime and support@chime requesting assistance with returning my funds as requested by the fraud to no avail. My employer the **** sent an indemnification letter to Bancorp also requesting the funds be returned and Chime and Bancorp has failed in providing any useful assistance. All Im getting is transferred to multiple people in various departments who have no clue on how to resolve this issue. I have never used this account and neither the debit card or credit builder cards have ever been activated. I was told today by one representative that I needed to submit a form from identify theft.gov showing I reported my identity stolen and another representative asked that my employer send Chime the indemnification letter instead of their parent company Bancorp. There clearly are no guidelines to follow in a situation like this at Chime. It is obviously a fraud account and I truly believe Chime and or Bancorp has no intention of returning my $2162.91.

  Business Response

  Date: 02/02/2023

  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 bank partners 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 an application for a Chime Checking Account using ******* 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 January 6, 2023. In order to prevent further unauthorized activity, Chime additionally flagged Latoyas personal information so no other accounts would be opened using Latoyas 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 Chime will not hold ****** responsible for any activity on the account. Since Latoyas personal information was used to open the account in question, Chime recommends Latoya 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/hold on  their credit report
  File an identity theft report at ***********************************;

  Chime will work with your payroll provider to recover any funds that *** have been deposited into the fraudulently opened Checking Account upon notification from their payroll provider.
   
  We thank you for the opportunity to respond to *********************** complaint. If ****** Mills continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 02/03/2023

   
  Complaint: 18897227
  
  I am rejecting this response because:
  My employer, The United ********************* sent a letter of indemnity the week January 9th and Chime has not responded to it. What other remedy is available to return my $2162.91 to me? I have emailed the support team and review teams as required and to date have never received a response. It is one month later and I am still without my money. 
  Sincerely,
  
  ***********************

  Business Response

  Date: 02/09/2023

  Thank you for giving us the opportunity to follow up on ************************* BBB complaint.
   
  We understand that ****** would like access to the their funds. We can confirm that the account was closed on January 6, 2023 and flagged ******* personal information so no other accounts would be opened using Latoyas information on Chimes platform.
   
  Please note, we recommend that ****** work with their employer to retrieve the funds that ****** referenced. 
   
  We thank you for the opportunity to respond to *********************** complaint. If ****** Mills continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************. 
  
  
  

  Customer Answer

  Date: 02/15/2023

   
  Complaint: 18897227
  
  I am rejecting this response because: My employer has reached out via mail to Chime on January 09, January 28th and January 30th to retrieve the funds and Chime has refused to return my stolen funds through my employer as stated above. I am in receipt of a email from my payroll department stating as much. At this point I have exhausted the remedy requested by Chime and they are not holding true to their initial statement of taking identity theft seriously and not holding me responsible for this crime. 
  
  Sincerely,
  
  ***********************

  Business Response

  Date: 02/20/2023

  Thank you for giving us the opportunity to follow up on ************************* BBB complaint.
    
  Chime will work with your payroll provider to recover any funds that *** have been deposited into the fraudulently opened Checking Account. Please note, if any funds remained in the account, they would be returned to the direct deposit issuer upon receipt of a letter of indemnification. 
  
  We appreciate the circumstances of ******'s situation, but we are unable to compensate ****** for this experience. 
   
  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:01/25/2023

  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 recently lost my phone and did not have access to my Chime account. They were unauthorized charges on my account and Chime will not refund them, or even give me a provisional credit when I reported this within two days and block my card, but they denied me the same day I made the report.b There was two charges from Amazon that had the same day for the same exact amount, and they denied me those as well.

  Business Response

  Date: 02/03/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******************************
   
  On January 21, 2023, ******* contacted us via phone regarding five transaction(s) totaling $154.49 which ******* stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On January 23, 2023, we notified ******* via email that we completed our investigation and based on the information available, we determined that no error occurred. On that same day, ******* requested a copy of the documents we relied on in making our determination.
   
  On January 29, 2023, a copy of the documents Marlena requested were forwarded to the email on file.
   
  Between January 23, 2023 and January 26, 2023, ******* made multiple requests to reopen the investigation. As of our latest decision on January 29, 2023, we notified ******* via email that our decision remained that no error occurred.
   
  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 ******************************* complaint. If ***************************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.
  
  
  

• Initial Complaint

  Date:01/25/2023

  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.

   
  Complaint: 18731025
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***************************

     I wish to proceed with the complaint I reached out and no one from chime can give me a straight answer on why they declined or even believed me its so much going on with banks my **** of America account is hacked right now its on the new so I just want them to be honest on why and what happened 

  Business Response

  Date: 01/18/2023

  Hello,
  
  After further investigation, it was determined that the account in question is not maintained by ************ N.A. The complaint has been forwarded to Chime as it appears that the account may be maintained by another of Chimes *************. It is our understanding that Chime and/or their other partner bank will be reaching out to you on this matter.
  
  Chime and *********** place great importance on providing an excellent customer experience. Please contact ********************** ****** Services at ************ if you have any further questions or concerns.

  Business Response

  Date: 01/20/2023

  Hello,

  Please contact Chime ****** Services at ************ or via email at ******************************** to discuss further details/and or information.

  Customer Answer

  Date: 01/25/2023

  On the date of 03/14/2022 I made a dispute rebuttal of a charge that was unauthorized by unknown merchants. The total amount that was taken from me is $1,330.56 I had no knowledge of the transactions so I called complaining and crying not knowing what to do I panic do to certain bills coming up it was bad smh. I have 3 kids and we couldnt eat for a week all I had was bread peanut butter, cheese no jelly and faucet water. It was a Monday I believe and they didnt answer me until Thursday I need some justice they made me feel less of a provider

  Business Response

  Date: 02/03/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
   
  On January 10, 2023, ***********;contacted us via phone regarding several transactions totaling $688.49 which ***********;stated were unauthorized. We then opened an investigation into the matter and filed a dispute. On this day, we notified Ronnie via email that we completed our investigation and based on the information available, we determined that no error occurred. 
   
  We have escalated the dispute referenced in ******'s complaint for further review. ***********;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 ********************************.

  Customer Answer

  Date: 02/09/2023

   
  Complaint: 18731025
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***************************

  Customer Answer

  Date: 02/09/2023

  They are not trying to help me still I cant get through to them and nobody has called me yet I need them to understand that its not fair that I get denied for something I have no knowledge of someone has been stealing my identity since I was on my own. They need to do better with protecting their clients just like we trust them with our money 

  Business Response

  Date: 02/18/2023

  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. Chime records indicate ****** has filed three disputes through Chime from August 2022 to January 2023. Chime conducted a thorough review of the disputed transactions and determined no errors occurred. These transactions appeared authorized. 
  
  We understand this is not the resolution ****** was seeking, but we are confident the investigations of the claims were properly conducted and resolved. If ***********;still does not agree with the outcome of the claim, they may submit a rebuttal to ********************************.
  
  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: 02/19/2023

   
  Complaint: 18731025
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***************************

  i disputed 3 times because I didnt authorize the transaction someone else used my identity and I just want them to get my money back I wont let anyone get away with taking my money Im gonna get justice Im not letting this slide it wasnt me and they cant prove it because it wasnt me 

  Business Response

  Date: 02/27/2023

  Thank you for giving us the opportunity to follow up on ********************* BBB complaint.
   
  On February 4, 2023, we notified ***********;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 $69.62 was posted to ******* account on February 4, 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: 02/28/2023

   
  Complaint: 18731025
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***************************

  it was over a thousand dollars that was taken from me but it was only a error of $69 that was credited I dont find anything fare about that decision the things I went through that month was heartbreaking I was late on rent lights went out I couldnt pay for my kids to eat most nights I cried to crime I felt so disrespected I just want my money back and to deactivate my account if necessary I dont want any more future problems like this for no one I didnt even get an explanation on why it was denied they just gave me the run around please lets fix this issue its been to long and justice is given back what was fraudulently taking from my account while banking with you guys chime that is 

  Business Response

  Date: 03/07/2023

  Thank you for giving us the opportunity to follow up on ********************* BBB complaint.
   
  In March 2022, ****** filed a dispute regarding sixteen transactions totaling $1,330.56 that ****** stated were unauthorized. We conducted a thorough investigation and confirmed these transactions appeared authorized. As such, no credits were provided to ************* 
  
  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:01/25/2023

  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.

  At 3:25AM on 01/15/2023, there was an unfamiliar login to my account. At 3:28AM, all of the money in my account, including savings, which totaled $771.00, was transferred out of my account to an email address Ive never heard of. In the morning when I woke up I immediately reported the fraud to Chime. 24 hours later I received an email that no evidence of fraud was found and the dispute was denied. I have called back multiple times and spoken to a supervisor who assures me they will investigate further, but there has been no update to my account or to my dispute and it has now been 10 days. They assured me I would receive a credit for the money stolen within 10 days and I have received nothing. They also were surprised when I brought up details of the fraud such as timing, the fact that *** never made a transaction like that, etc. despite having supposedly completed an investigation into the matter. I have no money and suspect that it is Chime itself committing the fraud. I need my money back and am disgusted at their negligence with the money they supposedly keep secure.

  Business Response

  Date: 02/03/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **********************
   
  On January 15, 2023, **** contacted us via phone regarding one PayFriend transfer totaling $771.00 which Tori stated was unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On January 16, 2023, we notified Tori via email that we completed our investigation and based on the information available, we determined that no error occurred. In reply that day, **** inquired about reopening the case, and a rebuttal claim was opened. Additionally that day, **** requested a copy of the documents we relied on in making our determination.
   
  On January 30, 2023, we applied a provisional credit to Toris account for the full amount of the dispute. This temporary credit was provided to allow Tori with full use of the funds while we completed our investigation.
    
  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:01/25/2023

  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.

  chime closed my account, on jan 15th as i had waited patiently on my card which arrived on jan 16th, i checked and all my money was gone on my account which was $132.00 then i checked again it was a $-44.00 they have been ignoring my messages to their support team since this happened, they closed my account becasue of the fraud by whoever took the $132.00 that was in my account, yet they said that a dispute caused the account to go negative during the account closing but they fail to realize that i didnt have my card which was closed due to fraud, which i received on jan 16th but chime had closed my account before i even got to use activate or use the card chime owes me $170.00 i have tried to contact them but they are always ignoring my emails..

  Business Response

  Date: 02/02/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **********************
   
  Claim ID: ******* 
  On January 4, 2023, Travis contacted us via the Chime app regarding an ATM transaction totaling $2.50 which Travis stated was not dispensed. We then opened an investigation into the matter and filed a dispute. The same day, we applied a provisional credit to ***********;account for the full amount of the dispute. This temporary credit was provided to allow Travis with full use of the funds while we completed our investigation.
   
  On January 12, 2023, we notified ***********;via email that we completed our investigation and based on the information available, we determined that no error occurred. As a result, we also notified Travisthat the provisional credit issued on January 4, 2023, would be reversed and the account would be debited on January 20, 2023. 
   
  On January 20, 2023, the provisional credit issued on January 4, 2023, was reversed. As a result, ****** account was debited in the amount of $2.50.
   
  Claim ID: *******
  On January 7, 2023, ***********;contacted us via phone regarding an ATM withdrawal totaling $102.25 which Travis stated was not dispensed. We then opened an investigation into the matter and filed a dispute.
   
  On January 15, 2023, we applied a provisional credit to ******' account for the full amount of the dispute. This temporary credit was provided to allow Travis with full use of the funds while we completed our investigation.
   
  On January 28, 2023, we notified ***********;via email that we completed our investigation and based on the information available, we determined that no error occurred. As a result, we also notified Travis that the provisional credit issued on January 15, 2023, would be reversed and the account would be debited on February 3, 2023.
   
  Claim ID: *******
  On January 7, 2023, Travis contacted us via phone regarding a transaction totaling $23.19 which ***********;stated the incorrect amount was charged. We then opened an investigation into the matter and filed a dispute.
   
  On January 15, 2023, we notified Travis via email that we completed our investigation and based on the information available, we determined an error occurred. As a result, a credit in the amount of $23.19 was posted to ************;account.
   
  Claim ID: *******
  On January 8, 2023, Travis contacted us via phone regarding 2 transactions totaling $27.92 which ***********;stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On January 9, 2023, we notified Travis via email that we completed our investigation for part of the claim totaling $17.97 and based on the information available, we determined an error occurred. As a result, a credit in the amount of $17.97 was posted to Travis account.
   
  On January 11, 2023, we notified Travis via email that we completed our investigation for the remainder of the claim totaling $9.95 and based on the information available, we determined an error occurred. As a result, a credit in the amount of $9.95 was posted to ******' account.
   
  Claim ID: *******
  On January 8, 2023, Travis contacted us via phone regarding an ATM transaction totaling $2.50 which ***********;stated was not dispensed. We then opened an investigation into the matter and filed a dispute.
   
  On January 26, 2023, we applied a provisional credit to ******' account for the full amount of the dispute. This temporary credit was provided to allow Travis with full use of the funds while we completed our investigation.
   
  On January 28, 2023, we notified ***********;via email that we completed our investigation and based on the information available, we determined that no error occurred. As a result, we also notified Travis that the provisional credit issued on January 26, 2023, would be reversed and the account would be debited on February 3, 2023. 
   
  Account Closure: 
  On January 17, 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. Please note, at the time of closure, there was not a positive balance on the account. 
  
  We thank you for the opportunity to respond to ****************** complaint. If **********************;continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************

  Customer Answer

  Date: 02/02/2023

   
  Complaint: 18894013
  
  I am rejecting this response because:
  
  Sincerely,
  
  *********************

   

   

  when I asked them to show me how did they conclude that fraud wasnt done they are unaable to provide any information to reverse the decision, if so such as the $102 that was reverssed tell me why it was reversed.......?????? and they would use some excuse such as its not fraud because chime say its not fraud but unable to give any adequate information as to why they made the deciions to reverse the claim, also i had fraud on my account thats why they closed when i didnt even have card, waiting for my card to arrive it was fraud on my account, and they will give you a credit but turn around and reverse it for no reason just basically giving the customer a loan most of the time not having enough any information as to why they reversed just reversing it just to get their money back.......... january 17th was when fraud occured again from which I had ****** in my account then the accunt was closed, they they debited a credit they had giveen me for another case and i am owed from ******* dollars becasue they havent giving me my money that was in my account the day they closed my account cause i could not use my accoutn because i did not have a card my card got to my house on jan 17th that evening and their was activity on my account 2 days before while i was waiting to recieive my card, which took every bit of 2-3 weeks....when they took back the 101 please show me where the atm didnt have a error because they atm did not give me the amout i requested...they only gave me a fraction of the amount they still reverse the claim not givign me any info as to how they came up with the decision they came up with but i am still owed money...from the $132 that was in my account when it closed and the amount of 101 ***** they took back for nothign but they will allow the $2 and the small claims to stay if they dont have enough security from hackers they dont need to be in operating......especiially when waing on my card and money still gets taken from my account then they say they closed it because i violated terms what terms did i violate or was it because you sent my card to someone else household and they used the card so you had to cancel the account to make it look like i done something wrong cause i had no card when my account closed.......

  Business Response

  Date: 02/09/2023

  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. If **********************;still does not agree with the outcome of the claims, they may submit a rebuttal to ********************************.
   
    
  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: 02/11/2023

   
  Complaint: 18894013
  
  I am rejecting this response because:
  
  Sincerely,
  
  *********************

  you didnt say anything, but I want my money or I will hold bank corp responsible for chimes errors they have made on my account and its not going to end pretty for chime

  Business Response

  Date: 02/15/2023

  Thank you for giving us the opportunity to follow up on ****************** BBB complaint.
   
  Chime records reflect that at the time of account closure, ******' account had a negative balance. Based on this, there were no funds to return to ************* 
   
  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: 02/20/2023

   
  Complaint: 18894013
  
  I am rejecting this response because:
  
  Sincerely,
  
  *********************

   

   

   

   

  2 days before the account closed, while i had been on a 3 week wait for a debit card because my last card was closed for fraud, 1 day before i received my card and 1 day before my account  closed there was fraud again and chime allowed $130 to get taken from my account so during the final hours before my card arrived there was $130 on my account and a day later they closed my account again....stating they closed it for fraud so obviously they knew fraud was on my accoutn because they closed it for good and they would never tell me why but once i realized my $130 was missing i knew why and they obvously sent my card that i was supposd to receive to another individual and they took my money out of my bank accoutn cause i had no way of using a card that i didnt have the owe me 130 which was on my account before it closed and i need it

  Business Response

  Date: 02/27/2023

  Thank you for giving us the opportunity to follow up on ****************** BBB complaint.
   
  The last transaction on ******' account occurred on January 16, 2023. At the time of account closure, ****** had opened disputes. This disputes had received provisional credits that had been applied to ******' account. When Chime concluded our investigations, these credits were reversed. Upon receipt of ******' BBB follow up, we have affirmed there are no funds to provide ************* 
  
  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:01/24/2023

  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.

  Someone at the ************ charge my card $935.00 and I did not authorize these charges.and chime failed to give me my money back. They telling me I need to show proof where I was at that time.

  Business Response

  Date: 02/03/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *******************************.
   
  Claim number 5737940
   
  On December 12, 2022, ******* contacted us via email regarding 2 transactions totaling $541.63 which ******* stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On December 13, 2022, we applied a provisional credit to ******** account for the full amount of the dispute. This temporary credit was provided to allow ******* full use of the funds while we completed our investigation.
   
  This investigation is currently in process, and we are working to resolve *******'s case as quickly as possible. Based on the nature of the claim, we will complete the investigation no later than March 6, 2023. ******* will be notified via email as soon as the investigation is completed.
   
  Claim number 5756661
   
  On December 13, 2022, ******* contacted us via phone regarding a transaction totaling $404.37 which ******* stated was unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On December 15, 2022, we notified ******* via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  On December 16, 2022, ******* requested a copy of the documents we relied on in making our determination.
   
  On December 20, 2022, a copy of the documents ******* requested were forwarded to the email on file.
   
  Between December 15, 2022, and January 5, 2023, ******* made multiple requests to reopen the investigation, and rebuttals were initiated. As of our latest review on January 8, 2023, we notified ******* via email that our decision remains that no error occurred, and the claim remains 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 now consider this matter resolved.
   
  We thank you for the opportunity to respond to ********************************* complaint. If ******************************* continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************. 
   

• Initial Complaint

  Date:01/24/2023

  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.

  01/17/2023 a mobile check was deposited and Chime said the hold was 5 days they held ******* from a deposit ******* full deposit amount. My children starved and I had to wait 6 days and they still would not release my funds until 11pm PST

  Business Response

  Date: 02/02/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***********************************************
   
  On January 18, 2023, ******** contacted us regarding a mobile check deposit they were expecting in the amount of $1,268.81 , which ******** stated was not completely posted to their account.
   
  Our records indicate ******** deposited a check using the Mobile Check Deposit Feature on January 17, 2023. Of these funds $200.00 was posted to ********'s account  on January 18, 2023. The remaining $1068.81 was posted to ********'s account on January 25, 2023.
   
  Chime is a financial technology company, not a bank. ******* services provided by ***************** N.A. or ************ N.A.; Members FDIC.
   
  Chime records indicate at the time of the account opening, ******** was presented with a deposit account agreement. As stated in this account agreement, Limits may be imposed on the dollar amount or number of deposits made through Mobile Deposit, and Chime or its bank partners may change such limits at any time at our discretion. 
   
  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 ********************************.