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:01/17/2023

  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.

  Filed a dispute on a 500$ deposit left on a vehicle that was never picked up. ******** refused to give refund and police adviced i constact my banks for fraud. My branch account and ***** fargo found the dispute for the remainder of tbe deposit in my favor but Chime has been unresponsive since filing. Will not add the option to upload or send any supporting documents to my agent investigating the claim like my police report etc. Spoke to managers and escalation who just keep repeating themselves with generic answers avoiding my issues of not being able to send in documents. My app and when i call in they day say resolution by feb 23 2023 agent via chat say march 26 2023

  Business Response

  Date: 01/26/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *************************.
  
  On December 26, 2022, ******* contacted ** via phone regarding one transaction totaling $500.00 which ******* stated they did not receive. We then opened an investigation into the matter and filed a dispute.
  
  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 January 26, 2023 we received compelling evidence from the merchant confirming the goods or services were rendered. As such, we are unable to provide ******* a credit for this dispute. They were notified by email on the same day.  
  
  We thank you for the opportunity to respond to *************************** complaint. If ************************* continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.
  
  

• Initial Complaint

  Date:01/16/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My issue started with an unauthorized charge to my account. Therefore, I contacted Chimes customer service and explained to the agent named ******, what had occurred. The problem that I have is that when I explained this to her, she said they automatically closed my debit card without my consent. I specifically asked multiple times not to do so because I needed to withdraw money from my account, so not to close it before I can do so. She said it is too late and she closed it anyway after I asked her not too, because they have to do it. I kept telling her the issue and she kept repeating her script and would not hear what I was explaining to her, in which she then hung up while I was still on the phone. That is not what customer service entails.

  Business Response

  Date: 01/25/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******************************
   
  On January 11, 2023, ***** contacted us via phone regarding one transaction totaling $45.85 which ***** stated was unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  Please note, it is Chime's process to deactivate any compromised card  to prevent further unauthorized charges and to protect *****'s account and information. 
   
  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 April 12, 2023. ***** 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:01/15/2023

  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.

  On 1/14/2033 I went to a local Dollar General to use my card. Chime has this feature call Spot Me that basically is also called an overdraft protection. I had ***** of spot ****** only used **** out of the 40 to make a purchase. On 1/15/2023 I woke up, checked my Chime app to notice that my ***** of spot me I had, disappeared. I contacted Chime to see what was going on, they kept giving me the runaround & also kept ****** repeating themselves that I needed to have a ****** qualifying deposit for me to use Spot Me, I got really frustrated and informed them that theyre system is clearly lying because I can send in paystubs showing where *********** are more than ******.. I have 3 kids, that ***** could help me throughout this week for ANYTHING until I got paid again on Friday coming which is 1/20/2023. I am very upset and disappointed. Ive heard plenty of bad things about Chime, but I never fed into those stories because I never had a bad experience with them until now. & I can definitely say, I see what people were saying about them are 100% true! I wouldnt recommend using this bank at all!

  Business Response

  Date: 01/24/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******************************
   
  On January 3, 2023, Thomas contacted us via phone regarding sixteen transactions totaling $1,190.00 which ***********;stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On January 4, 2023, we notified Thomas via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  Between January 6, 2023 and January 10, 2023, ****** made multiple requests to reopen the investigation, and rebuttals were initiated. As of our latest review on January 12, 2023, we notified ****** via email that our decision remains that no error occurred, and the claim remains 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 ********************************.
   

  Business Response

  Date: 01/26/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ************************************
  
  Chime SpotMe is an optional, no-fee service. To access SpotMe, a member needs to receive a single direct deposit of at least $200 from an employer or payroll provider, gig economy payer, or government benefits payer.  To continue using SpotMe after their first qualifying deposit, they will need to continue receiving a single direct deposit of at least $200 over the preceding period from a qualifying source.
  
  If a member's direct deposit changes, they may no longer be able to access the SpotMe feature or their SpotMe limit may be lowered.
  
  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:01/15/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I woke up January 12th roughly 3 am to a notification 601 dollars was taken out of my chime account. Half asleep attempted to call chime customer support and was told to get a new card since this was an unauthorized transaction. Couple of days later on the 15th get 2 emails 1 stating I will be getting temporary by the 30th if the investigation isn't complete. Then I opened the 2nd email stating the case was closed that chime did an internal investigation and no funds will be added to my account. What is weird, is I called customer support again and they told me they cannot provide me with the details to the investigation and it may take up to ***** business days for me to get an email with the detailed investigation. I just want to know what happened since I'm out a paycheck I desperately needed and now have to take loans from family members to survive until my next paycheck. At least chime could of given me answers as to why they will not be refunding me. If you need anymore information the dispute case # is Dispute *******.

  Business Response

  Date: 01/24/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **************************
   
  On January 13, 2023, **** contacted us via phone regarding a transaction totaling $601.99 which **** stated was unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  Upon receipt of ****'s complaint, we have escalated the dispute for additional review. We appreciate ****'s patience. 

  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:01/14/2023

  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.

  Chime closed my account which holds $9000+ in it at the moment.I have had over 200+ mail and phone conversations with Chime on this for 3 weeks straight but there is zero progress.I have presented my whole SSN, bank statement, government ID, passport, photos of receipts to verify the sources of deposits into Chime for the past month but to no avail. They keep asking the same questions over and over again as if they have serious some memory loss.They say they cannot verify is a transaction amounting $8995. I sent it via my Chase account ending in **** but they say it is, according to their database, was received by Chime in some Chase account ending in **** which I am completely aware of. Except that, all information for that transaction matches. I have sent all the information, had the back office team of Chase confirm that the fund was indeed sent successfully to Chime and that if there is any problem, it would be Chime's. ***** assumes that since the transaction was initiated from Chime's app, ("Chime4 P2P"), this could cause the mismatch of account number of sent and received/ Even if the number they received the funds with is indeed different, then they are liable for having NOT received and managed my funds from Chase which was indeed successfully transferred to Chime.I am at the risk of eviction due to this lock up of funds which is quite big. I hope to have this resolved quickly. I just want my funds back. I have seen similar cases to mine on news and documents which seem to take months. I have been 3 weeks into this and wish to have to done ASAP. If not, I will be on the streets soon.for reference of similar cases as mine: *******************************************************

  Business Response

  Date: 01/24/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **********************
   
  On December 22, 2022, during a routine monitoring accounts, we identified some unusual activity regarding the amount and/or origin of certain funds which were deposited to Yongjins Chime account. Therefore we exercised our right to close the account and requested documentation from Yongjin that could verify the source of the funds deposited.
   
  Between December 22, 2022 and January 17, 2023, ******* submitted some of the requested information for our review.
   
  Upon receipt of *******'s complaint filed with the BBB, we directed *******'s request to the appropriate team. ******* will be notified via email as soon as an update is available. We appreciate *******'s patience while we are reviewing their dispute.
  
  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:01/14/2023

  Type:Order 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 withholding my direct deposit payroll check. This is the largest check Ive earned since working for my employer. It is the check that my house payment utilities and car payment is made from. I will incur $100s in late fees. I have a one income household with children. Due to this Ive also lost money on deposits for a trip we had planned this weekend. Every other employee at my job has received their pay but me. My payroll sent my pay out on Monday. When I ask whats going on they say they havent received it yet and its my payroll. Ive already confirmed its not my payroll but its chime. My check is 2 days late as of right now. They advise the soonest I MIGHT see it is Tuesday. Im in a position of having to call out of work because I do not have the resources to get fuel in my car to go to work until I receive my pay. This week there was a massive spike in online complaints from people nationwide not receiving their check from chime. I need to get paid!

  Business Response

  Date: 01/18/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ********************************
  
  On January 14, 2023, **************;contacted us regarding a direct deposit they were expecting which **************;stated was not posted to their account.
   
  Please note that when a direct deposit is initiated by the sender, it goes through mandatory processing steps before arriving at Chime. Upon receipt of ****************;direct deposit, we post it to ***************;Chime Checking Account Monday through Friday, excluding bank holidays. Since *********'s deposit has not arrived, we advise that they contact their employer for further information on its status. 
  
  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:01/14/2023

  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.

  I had an issue with the way my transactions were displaying in the app for Chime. I reached out to a support rep to get the issue fixed however unbeknownst to me and without my approval the support rep put in a request for a new card to be sent to me. This was done without my approval or without my knowledge. This is a horrible business practice and one that needs to be rectified. I now have to wait ************************** 2023 this is insane

  Business Response

  Date: 01/19/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ************************
  
  On January 13, 2023, Miles' Chime **** Debit Card was disabled, and a new card was shipped to the address on file. Please note that the card will arrive within 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:01/13/2023

  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 advertises a 100 customer referral bonus. I referred a new customer to ********************** and she opened her account using the links provide by Chime. Now Chime is refusing to pay me my 100 bonus as well as refusingbto pay my friend her 100 bonus as advertised by them. This us clearly false advertising. I wiuld probably call it fraud. I think Chime needs to honor the bonus as advertised.

  Business Response

  Date: 01/19/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ********************
  
  On January 11, 2023, **** contacted us to inquire about why they did not receive a referral bonus. Please note that in order to qualify for a referral bonus, the referee must receive a qualifying direct deposit of at least $200 within 45 days of enrollment. 
   
  We can confirm that the referee did not receive a direct deposit within 45 days of enrollment so Chime cannot credit the referral. 
   
  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:01/13/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello last month I have a issue with my chime debit card and so I called and told them that I need to cancel due to a safety risk and I cannot locate my card they canceled the debit card and issued me a new one well within the time I am waiting for that new debit card the virtual one that was still linked to my bank (PayPal) has not changed and remained the same.my PayPal account was compromised in the worst way possible with the person locking me out of my account completely and changing all my information so when I tried to login it said there is no account under my email immediately called PayPal and spent a hour trying to resolve the issue in which they resolved the issue and **** able to gain access to my account upon doing that 500 $ was withdrawn from my PayPal account using the virtual card that should've been canceled PayPal informed me that the person tried to add a new card but PayPal needed to identify and make sure that there is no fraud occuring since such a big change had just happed with all my information changing ..so the person I suppose chose not to add the new card instead gained access to my chime account and was able to then transfer from both banks ..the attacker then gained access to cash app account and withdrew money from there and completely wiped me clean I sent chime the proof of the attacks as well as the notifications and statements that it was clearly not me making those transfers because the transfers were made to a different name .chime had re opened the claim after I asked for documents and they provided a statement that I already have of my charges that is not a investigating report I told them and. Asked for this to be reopened so they did and told me I will receive a provisional credit for the amount that was taken since obviously now they can clearly see there are some issues there policy says within ten days I have yet to see anything instead every time I call it's the same thing and they keep going around it please help me

  Business Response

  Date: 02/01/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ********************
   
  On December 23, 2022, ***** contacted us via phone regarding several transactions totaling $605.00 which ***** stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On December 27, 2022, we notified ***** via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  On December 28, 2022, ***** requested a copy of the documents we relied on in making our determination.
   
  On December 30, 2022, a copy of the documents ***** requested were forwarded to the email on file.
   
  On January 4, 2023, ***** 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 ***** 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 ********************************.
   

• Initial Complaint

  Date:01/13/2023

  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 filed a dispute and it was denied in three days. I had two unauthorized transactions happen on December 25, 2022 and January 1, 2023. Chime investigation team denied my claim because I had my PIN number memorized and had my card with me. Case # ******* I want my $80 back. The company Blaseco Llc is in ******* and I live in *********. January 1, 2023 was pending during the investigation and Chime still allowed the transaction to continue.

  Business Response

  Date: 01/23/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******************************
   
  On January 2, 2023, ******* contacted us via email regarding two transaction(s) totaling $80.00 which ******* stated were unauthorized. We then opened an investigation into the matter and filed a dispute. On that same day, we applied a provisional credit to Dominics account for  $40.00. This temporary credit was provided to allow ******* with partial use of the funds while we completed our investigation.
   
  On January 5, 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 Dominicthat the provisional credit issued on January 2, 2023 would be reversed and the account would be debited on January 12, 2023. On that same day, ******* inquired about reopening the case, and a rebuttal claim was opened. ******* then requested a copy of the documents we relied on in making our determination.
   
  On January 9, 2023, a copy of the documents ******* requested were forwarded to the email on file.
   
  On January 14, 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 $80.00 was posted to *******'s 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 ********************************.