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:07/09/2025

  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 ************.

• 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.

  Opened account with ********************** years ago My wallet w/ I D was stolen. Because I was born on military base in ******* my birth certificate is only replaceable if lost by sending a certificate of person born abroad to the ******************* in ***************thus using that to renew my driver ********** expired March 24, 2025 while waiting for an appointment to renew my license at the *************************** driver license office here locally and in person By not having a valid state issued I.D I can not log into my Chime app on my phone to get the balance of MY money from my account that ********************** suspended for reasons that a person can only have one account with them. I tried to open a second account by mistake, not having known this because I did not read the terms and conditions thouurally. It was an honest mistake but you would think it was an act of treason because they have kept MY MONEY and will not even allow me to close the account and have MY MONEY sent to me by cashiers check to my address on file. This has been going on for MONTHS!During this time my license has expired. Imagine being told you will not receive your own money because there is no brick and mortor branch to appear in person to be able to identify myself. No other methods of identification like secret questions that only I would be able to answer or any other alternate methods to identify myself. Only to hear from customer service ' sorry *** we can not help you:.Being said with a snidely attitude I might add When the license was still valid I was instructed to scan a front and back picture of the valid license which has a picture on it that has been used multiple times when I would renew on line. There are two problems, I have lost about 40 pounds since then and I do not look the same as the selfie they ask for with the license picture.Thank you,**** W. ********** ********************************

  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 received a notification from the Chime app in my summaries one morning about 'account closure'. When I opened the notification it went.. nowhere. I opened up my app and there were no notifications or messages about this subject of any kind. I decided to call when I had a chance to make sure it was a mistake. About 8 days later I was cleaning up my email inbox and noticed I had received an email on 6/23/2025 stating that 'upon review' my account was slated for closure on 7/23/2025. The exact reason for the decision was not stated. On 7/3/2025 I called the customer support line and was first turned in circles by their new AI assistant (designed to sound like a Black American woman, as a black american woman myself I found it incredibly irritating) that was certain it could help me, which it could not. I was eventually routed to a rep.. **** did her best to help, she investigated my situation, attempted to stop the closure but found the system would not allow her to do so. The only reason given: I was found to be 'not in compliance with internal policies' and that was all the information she could access and all that she could share. This was what I expected the result to be of contacting a living breathing member of mankind working for Chime Financial's customer support. The robots are in charge, they make the rules and apparently, never make mistakes.

  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:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On July 7, 2025 the MyPay balance available to me was $19. The total amount for the current pay period remaning that is available to me is $28. I waited until July 8, 2025 to see if the amount available to me would change. It did not. I chatted with a customer service *** who advised that I disconnect and reconnect my payroll provider to the ***** feature. She said she was "certain" this would update my available balance and that I would be able to withdraw funds. This did not happen. I then made a phone call to customer service. The ***resentative I spoke with said I needed to give the system more time and that it should change the next day. It is now the next day, July 9, 2025, and balance available for me to withdraw has not changed. I made two phone calls to customer service this morning. When I asked to speak to someone else during the first call, they transferred me to the voicemail of someone who was not there. When I called again, I was transferreed to someone in the "highest department," who could not do anything for me, would not admit a flaw in the system, and then said that he had to hang up on me, even though I never yelled or used any innapropriate language. I'm asking for the money that is owed to me. It's not a lot at all. I should be able to withdraw a $28 cash advance today. Why is this such a problem?

  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 March 15, 2025, I fell victim to a scam in the amount of $720.29. I was promised an affiliate marketing package that would guarantee a monthly return on my investment from between ********* dollars a month. What was delivered was a site with articles freely available on the internet, freely available ******* videos, and none of the guaranteed visitors, and none of the customized articles/videos described in the package. I have sent documentation of the scam including an invoice, an email describing the marketing package complete with illegal guarantee of income, and all other pertinent information I could gather. My dispute was still denied, even though there were clear violations of not only the law, but the product I expected to receive. The text of the dispute denial is as follows: This letter is to inform you that we have made a final determination regarding the claim referenced above. As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review.Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered ********** may request a copy of the documents we used in determining the final outcome of the investigation. If you have any additional questions or need further assistance, feel free to contact us at any time.

  Business Response

  Date: 07/17/2025

  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: 23574350
  
  I am rejecting this response because: Chime denied my dispute, and now is unable to give me a reason of the denyal, as the dispute case is no longer in their system, as if they removed it to avoid explaining themselves, and refunding my money.

  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 ************.