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:08/28/2025

  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.

  I currently use chime and I was receiving direct deposits from my job. I was also using the mypay function to help me get through the week. I recently fell ill and have some health issues so I have not been getting direct. That left me with a negative balance in the mypay function. I read on the app the my pay deals with your direct deposits. So I was unaware that if a friend sent me money that it would go to mypay function. I called chime and tried to dispute the transaction that my friend sent me but chime was not help at all.

  Business Response

  Date: 09/02/2025

  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.
  
  
  If you are a Chime member and we find that additional correspondence is needed, we may reach out to you.
  
  
  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:08/27/2025

  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.

  They literally wont release your money. It use to be id get paid in wednesdays in the afternoon to the evening to it not even coming.

  Business Response

  Date: 09/02/2025

  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.
  
  If you are a Chime member and we find that additional correspondence is needed, we may reach out to you.
  
  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:08/26/2025

  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.

  On August 15th someone had logged in on my chime account and used my virtual card to take $418.50 out of my account also it was taken from a different device. I was not around my phone at the moment to stop anything and chime denied my dispute so I could get my money back for it. I called them as soon as I noticed it, changed my password and got a new virtual card. They told me I had to wait a couple of days to dispute the transaction since they were still pending. I've never used my virtual card or logged in on any other device other than my phone. I made a police report and they still denied the dispute

  Business Response

  Date: 09/03/2025

  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.
  
  
  If you are a Chime member and we find that additional correspondence is needed, we may reach out to you.
  
  
  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: 09/03/2025

   
  Complaint: 23800909
  
  I am rejecting this response because they didn't thoroughly investigate the incident or they would have seen I've never ever used virtual card ,never have I logged in from another device other than my phone and I reported it immediately.they have this Step com
  ***** C information how to reach him and locate him to ask about transactions and they never did so. It's obvious by looking at the transactions they are fraudulent as they are back to back til the account was drained of every *****. If they can't communicate now with step com ***** C now that's another red flag they are fraudulent charges I reported this incident to the *** per instruction of **********************************. These charges are fraudulent and I did not authorize them. 

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

  Business Response

  Date: 09/09/2025

  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: 09/09/2025

   
  Complaint: 23800909
  
  I am rejecting this response because:there has been no solution offered. My account was illegally hacked and my money was taken which I immediately reported and was told by chime that no error occurred and I would not be reimbursed for the funds that were taken.according to chimes terms of service I am to be protected by ****** ZERO LIABILITY POLICY according to their policy this situation is covered and I should be reimbursed yet they repeatedly claim no error has been made when there clearly has been.i will not accept any resolution other than what their policy dictates 
  
  Sincerely,
  
  ******** *********

• Initial Complaint

  Date:08/26/2025

  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.

  Chime is fraudulently promoting a referral program and not acknowledging referral clients. My daughter, Jiona **** signed up with them through my referral link almost a year ago & for months they have refused to acknowledge her as my referral even after collecting her personal information, opening an account in her name, and enjoying her business. Today their supervisor hung up the phone on me. I am ready for a class action

  Business Response

  Date: 09/03/2025

  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.
  
  If you are a Chime member and we find that additional correspondence is needed, we may reach out to you.
  
  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: 09/03/2025

   
  Complaint: 23800097
  
  I am rejecting this response because: I already reached out to customer service several times over the course of 8 months & the issue has not been resolved.
  
  Sincerely,
  
  ****** *****

  Business Response

  Date: 09/09/2025

  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: 09/09/2025

   
  Complaint: 23800097
  
  I am rejecting this response because:
  
  Sincerely,
  
  ****** *****

• Initial Complaint

  Date:08/25/2025

  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.

  Hi there,5 or more years I was a chime customer but I was unhappy. So I ended up closing my ********** girlfriend tried to refer me recently hoping to earn the bonus and that I will earn a bonus myself. So I started applying but the second I put my social security in, my application immediately was denied.I'm not sure what happened but it mentioned security so I think it's because my ssn didn't match the name in your system.4 years ago I legally changed my name (I have a court order). My ssn remained the same, but the name on it was updated (I have copies of everything). I have a feeling that your system just got my old records and immediately denied my application because of that.I'm not providing anything here for security purposes but the message told me not to contact support due to security reasons which is another reason why I think your system thought its someone else trying to use my ssn. In any case, it seems like a pretty complicated problem and I wasn't sure whom to contact, so I decided to try bbb. Please have someone email/call me (after 2pm pst) so we can fix this issue.Thanks

  Business Response

  Date: 09/02/2025

  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.

  If you are a Chime member and we find that additional correspondence is needed, we may reach out to you.

  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:08/25/2025

  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.

  Chime inaccurately reported me to all three credit bureaus stating that I was at 100% maximum of my allotted credit when in fact I am at $0. I want crime to correct this and report that I am not 100% utilized on my credit limit to all three credit bureaus immediately. I tried to talk to them but no one understands English enough so that I can get my point across. I need my credit score corrected due to this error by Chime.Thank you for looking into this matter for me. Sincerely, **** ******* ************

  Business Response

  Date: 09/02/2025

  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.

  If you are a Chime member and we find that additional correspondence is needed, we may reach out to you.

  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:08/25/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a text July 7th asking if i attempted a purchase at ****** and ******* by Chime. I said no and they said my card has been restricted for unauthorized use and called me a minute later asking if i recently added anyone or changes to my email address i said no. They told me my account has been compromised and I need to setup a new account and they would do the work on there end. I didn't need to give them anything that they had the information. Then after awhile of them working to setup something they had me type a couple things the name account name and they transfered 2 $2500 payments to the new account and said my account was setup and old one was secure and they would contact me in the morning because 5000 was the max they can move a day. I was told my account numbers would be emailed shortly but never came. So I called chime about 5 minutes after talking to the people and explained what happened and they told me it was fraud and secured my account and opened a dispute on my behalf for July 7th they did a pay by phone payment along with the 2 $2500 transactions. On July 14th the same situation happened from the same phone number asking about 2 purchases and the pay by phone charges. I called chime right away and informed them the same thing from the same number was happening. They secured the account again and opened disputes for the purchases. While on the phone with them I reviewed the 1st denial of the 2 $2500 transactions and I asked them how are they denying it when it's currently happening again No answers just reopened the dispute. Then the second denial came a couple days later so I called. They said without any new information they could reopen the dispute so I filed a police report and call again then they reopened the dispute. Meanwhile the pay by phone purchases still were being investigated a remained that way even passed the 3rd denial. A couple days after the 3rd denial they credited me the pay by phone purchases FROM THE SAME PEOPLE.

  Business Response

  Date: 08/27/2025

  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: 08/27/2025

   
  Complaint: 23793030
  
  I am rejecting this response because:I've talked to the support team many times and they can't do anything at all except file a dispute and the refused to open the dispute again. I was targeted by someone that knew your procedures and that I was a customer along with my information I'd like to know how thats possible. I the customer had no protections or warnings of this activity . 
  
  Sincerely,
  
  **** ********

  Business Response

  Date: 09/02/2025

  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: 09/02/2025

   
  Complaint: 23793030
  
  I am rejecting this response because:
  This answer is a non-answer not answering anything I said in the last correspondence.  Today I ask the BBB took look further into my claim and others to see if a pattern is present,due to to lack of communication given with zero direction given towards a resolution.  As I'm committed to my situation not happening to anyone else, because the fallout of being stolen from is wide. I know the stress it's had on me and my family I don't wish that on anyone else and their response is honestly a slap in the face and cowardly approach to a real life problem. I feel they knowingly have a flaw someone exploited and either can't fix it or neglected to 
  Sincerely,
  
  **** ********

• Initial Complaint

  Date:08/25/2025

  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.

  On August 11 2025 I couldnt login to my account . Upon calling Chime, I found out that someone had in fact gained access to my account changed all of my information with the exception of mysocial and date of birth. I had to send him pictures of my drivers license to confirm that it was me to regain access back to my account. Doing that while on the phone with him, I noticed 32 transactions made to pay anyone where $3800 has been taken out of my account that I not do. I submitted the identity theft report evidence to show them that it was not me called them a number of times while waiting for themto make a decision and was told by three of their workers That my credit would be back on my account on 25 August up until 10 minutes before seven I called they told me the samething I was eligible for my credit. I was gonna have the money today. They denied my claim and told me I have to wait 10 days find out why they made that decision. They will not let me talk to the investigation team And as a result of this, Im now losing my home. My landlord told him that when I called and made the report that because this happening, Im behind on my rent and shes doing whatever she can to help me, but she also has corporate answer too, and they assuredher that the money would be in my account and I would have to be able to pay it Now theyve denied it and tell me that they cant do anything about it and I have to resubmit the claim again and wait 7 to 10 for another investigation. Well that doesnt help me now and I wanna know why three different workers told me the same thing that I was gonnaget my money and then come down to get my money on the day that they have to give me my money by lol they denied the claim they say because the claim was denied first that that provisional credit goes out the window, but yet they didnt make whoever took my money $3800 and theyre telling me all they can do is apologize. Ive showed them proof that it was not me

  Business Response

  Date: 09/02/2025

  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.
  
  If you are a Chime member and we find that additional correspondence is needed, we may reach out to you.
  
  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: 09/02/2025

   
  Complaint: 23792311
  
  I am rejecting this response because: I was told not once but 3 times that I was in fact eligible for the provisional credit I called them more then 3 times one time my landlord told the *** on the phone that she has the paper to turn in and take my house bc I cant pay it because someone had taken my money out of my account . She told us both that I was going to get the provisional credit on the 25th of August I called them at 1:30am and they told me the same thing and again at 7am I was told yes i would get it that day but they didnt know what time . And soon as I hung up I got an email saying they denied my claim. I submitted them with a ***ort from the ************************ identity theft department I showed them where my credit has been checked and frozen because of this and even sent them the information on my phone for them to check the login device to show them that it wasnt me and I asked to see the information that was used for them to make there decision all I got was the following which was the intake form they filled out when I called the evidence I sent them and a statement of my account . That doesnt show me the proof they have that those transactions where done by me . They were sent to a cashapp acct I dont even have Cashapp . I then called Cashapp and they told me had to talk To my bank because I didnt have a cash app account . So now Im sitting here with no money because they waited up until 10 mins before there time frame was up on the 10 days they had to put my money back in my account and they denied it . Then I was told because it was a large amount of money that I needed a police ***ort even though I filed a ***ort with the ************************ and did my credit lock as a result of this . That wasnt good enough I had to get a police ***ort well I dont know how to file it and with who bc it was done online and I have no idea where they did this at. So no I dont agree with the response because I am the victim here and I should have the right to speak to the ones that are investigating my claim to not only plead my innocence but get answers to the questions there customer service ***s cant answer not one of them. They need to change the protocol for that . 
  
  Sincerely,
  
  ***** *******

  Business Response

  Date: 09/05/2025

  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: 09/05/2025

   
  Complaint: 23792311
  
  I am rejecting this response because: I have not heard from chime one time in this matter and they lie they dont reach out to us. And the customer service is a joke all they do is send emails . They have not even tried to help me with getting my money back . I will be switching banks after this is done I will get an attorney if they dont put my money back . If they would do there job and check the login logs they can see that it was not me but they will not let me talk to anyone to do that and I am told that they dont have the information like that to send to me thats a lie .. I am highly disappointed in chime 
  
  Sincerely,
  
  ***** *******

• Initial Complaint

  Date:08/25/2025

  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.

  I made a purchase with my chime card, and the item I received was defective. The retailer sent me multiple messages after inquiring about a refund stating that they would refund me, and after giving me the runaround, they wanted me to return the item to which they provided a mail receipt to ship it back to them, and this was months ago, and they stillhavent given me a refund for my item. Ive gone back-and-forth with the merchant, even after being promised a refund and doing what I was supposed to do and decided to submit a claimwith Chime, and despite having sent clear proof of the emails that we had back-and-forth as well as the receipt from where I sent the defective item back Chime has denied my claim three or four times now . This is clearly a violation of my rights as a consumer. My next steps will be to seek out my legal options for failure to refund or credit my account. If ********************** continues to refuse to credit my account, not only will I seek legal options, but I will close my accounts as well.

  Business Response

  Date: 09/02/2025

  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.
  
  
  If you are a Chime member and we find that additional correspondence is needed, we may reach out to you.
  
  
  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:08/25/2025

  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.

  On August 20, 2025, a $150.00 transaction was processed for an online apparel purchase. I disputed the charge with Chime because the business has been unresponsive and provides no valid method of contact. Despite this, Chime failed to conduct a proper investigation into my dispute.

  Business Response

  Date: 08/27/2025

  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: 08/31/2025

   
  Complaint: 23787009
  
  I am rejecting this response because:

  My issue has not been resolved and they reopened the investigation however results are still pending. 
  
  Sincerely,
  
  ******* *******

  Business Response

  Date: 09/05/2025

  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: 09/05/2025

   
  Complaint: 23787009
  
  I am rejecting this response because:

  my complaint has not been resolved. My dispute is still pending. My charge needs to be refunded and services/goods were not provided.

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