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:06/05/2025

  Type:Billing Issues
  Status:

  ResolvedMore 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.

  June 5th I received two emails my checking, savings and credit account were closed. The emails did not state why they were closed and stated I could call their member support number for assistance. I attempted to login to the account and the notification was that my account was closed and to contact customer service. So I called, the gentleman said it was closed for non compliance with something but he cant provide anymore information even if he wanted to cause he doesnt have any more access. I requested an explanation because maybe theres a misunderstanding. He said he cant provide anymore information because its not available. I repeated my request reworded and he replied with for quality reasons he has to end this call and hung up on me. I called again and informed them I would be reporting this to the BBB and CFPB, they said they would look into my account. They stated there was a discrepancy with a deposit but could not disclose any other information. I requested when I could expect the money and again was told they didnt have access to that information. I requested a supervisor and was told I would get the same information. Again I said I would be reporting it because I have been a member for almost 3 years with no issues, theyre trusted with thousands of peoples accounts and their money and this disrespectful and unacceptable, they said thats okay. So I ended the call.I want my remaining balance on my checking, credit and savings account to be returned to me as soon as possible and I want the credit account I had with them to not be reported on my credit score as an account closure.

  Business Response

  Date: 06/10/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****** ***** ****.
  
  On June 5, 2025, an issue occurred that temporarily blocked access to Amandas Chime account and card. Additionally, ****** *** have also received a message stating that their account was closed. We want to assure ****** that their account is currently active and ready to use. ****** can continue using their account and card as usual.
  
  If ****** had funds in their Savings or Credit Builder account, they may have been moved to their Checking account, but ****** can now move them back.
  
  To make things right, weve added a Chime Courtesy Credit to Amandas Checking Account on June 6, 2025.
  
  We thank you for the opportunity to respond to ****** ***** Diazs complaint. If ****** ***** **** continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 06/10/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  

  However being satisfied with the final result, it is quite disappointing that this occurred without an explanation. The resolution came quickly after filing the complaint with the BBB, although it shouldnt take a consequence to receive respect.
  
  Sincerely,
  
  ****** ***** ****

• Initial Complaint

  Date:06/05/2025

  Type:Product Issues
  Status:

  ResolvedMore 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.

  Today June 5th I had received an email from chime saying my bank account is closing. I have over ***** in savings and a few hundred in my checking account. I called ******************** asking why and they said they noticed direct deposit issues. I only have one direct deposit and thats from work. Which I receive weekly. When I asked why they gave me no answer and also asked what about my money in my accounts with them. The lady I spoke to was rude and not willing to help. Her answer she gave me e when I asked about my 3k in the bank she said she does not see any money in my account. I then told her that I had just used the card. Where is my money and she just hung up on me saying there was so thing she could do. I want to know where my money is and how I can get it back.

  Business Response

  Date: 06/13/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***** ******.
  
  On June 5, 2025, an issue occurred that temporarily blocked access to Maijas Chime account and card. Additionally, ***** may have also received a message stating that their account was closed. We want to assure ***** that their account is currently active and ready to use. Maija can continue using their account and card as usual.
  
  If Maija had funds in their Savings or Credit Builder account, they may have been moved to their Checking account, but ***** can now move them back.
  
  To make things right, weve added a Chime Courtesy Credit to Maijas Checking Account on June 6, 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 ***** needs further assistance, our *************** team is available and happy to help. Maija can reach us directly by calling ************.
  
  We thank you for the opportunity to respond to ***** Bryants complaint. If ***** ****** continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 06/13/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** ******

• Initial Complaint

  Date:06/05/2025

  Type:Product Issues
  Status:

  ResolvedMore 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 without any notice or explanation as to why my account was closed and why they refuse to return my money that was in the account

  Business Response

  Date: 06/11/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******* *****.
  
  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 ******* needs further assistance, our *************** team is available and happy to help. ******* can reach us directly by calling ************.

  Customer Answer

  Date: 06/11/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* *****

• Initial Complaint

  Date:06/04/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On May 12th I received an automated text asking if I approved a ****** transaction at *********, to which I replied no, since this was not the first time Id received these automated messages regarding my chime ********** fact, Ive already had to replace my cards once prior since Chimes platform is so vulnerable to hackers and scam artists that I had a string of fraudulent charges made online in ***** in March and had to replace everything attached to my Chime account. Shortly after receiving the automated text, I received a phone call from chimes customer service number. Never at any point was I aware they didnt place outgoing calls, or I never would have answered to begin with. Little did I know that this was a hacker who had somehow managed to use Chimes verified phone number to contact me, access personal bank info they shouldnt have had access to, and since they were able to provide this I formation and gain my trust, they proceeded to manipulate the Pay Anyone feature to make it seem like they were protecting my funds, and instead stole $800 from me. I immediately called chime back and followed the prompts, not knowing if I could even trust their number, and they told me I was better off calling the police and making a report, which I did. Ive now been on a month long crusade to get any type of justice, Im a single parent and that money was a years worth of hard work to keep mine and my daughters head afloat after we spent a year couch surfing saving up to get our own home and car. Ive submitted reports, proven that there was only a 20 minute interval between my calls with the scammer and my calls to the polices, Ive given every shred of evidence I can to chime and they refuse to help. They did email me the update to their Pay Anyone TOS a week after tho!This is a warning to anyone considering banking with Stride Chime: Save yourself the nightmare and go anywhere else but here, your money and mental health are literally safer in your mailbox.

  Business Response

  Date: 06/10/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***** *******.
  
  On May 12, 2025, ***** called us to report that two (2) unauthorized Pay Anyone transfers to **************, totaling $800.00, had posted to their account. We filed a dispute and began an investigation into the matter.
  
  On May 16, 2025, we concluded the investigation and, based on the information available, determined that no error occurred. An email notification was sent informing ***** of the outcome and that no credits would be posted.
  
  Between May 16, 2025, and June 4, 2025, ***** made multiple requests to reopen the investigation, and additional reviews were initiated. As of our latest decision on June 5, 2025, we notified ***** via email that our decision remains that no error occurred.
  
  We thank you for the opportunity to respond to ***** ******** complaint. If ***** ******* continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 06/10/2025

   
  Complaint: 23418909
  
  I am rejecting this response because:

  I am rejecting this response because: Chime claims that no error is found based on my transaction history which feels like a massive overreach considering the AMPLE evidence Ive provided otherwise, is a heinous breech of financial confidentiality ESPECIALLY considering my spotless banking history with them up until this point. At this point why would I continue to bank with chime if theyre only going to weaponize my own account in the event of a security breach, especially considering theyre a DIGITAL ENTITY. Chime has done the most to avoid assisting me in any capacity despite time stamps and an abundance of evidence clearly pointing towards fraudulent activity, and as far as banking experiences go I feel EXTREMELY unsafe and unsupported banking with Chime moving forward. 
  
  Ive even tried calling the phone number Chime thinks I just forked over my entire savings to, and the number doesnt even exist, isnt a chime member, and cant be contacted in any capacity. Someone hijacked Chimes customer service number and database to breech my account and access information they should not have had access to in order to impersonate a customer service agent and ********************** has done absolutely nothing to help right this wrong that occurred on behalf of their non-existent customer protection services. The fact that theyre using my own bank account to deny me because my transaction history shows Ive been paying off debt, furnishing my newly rented home, paying rent on time once a month, paying my car payment on time, and not ONCE over drafting is egregious and evil. 
  
  It sure was considerate of Chime to email to notify me they adjusted their Pay Anyone TOS in a way that wouldve prevented this entire fiasco, its too bad this update came a week and two claim denials too late lol. 
  

  since I cant attach the evidence I have that would in fact prove I got scammed, go ahead and call the number I supposedly surrendered my entire savings to: **************
  
  Sincerely,
  
  ***** *******

  Business Response

  Date: 06/12/2025

  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 investigation of the claim was 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 *************** at ************.

  Customer Answer

  Date: 06/12/2025

   
  Complaint: 23418909
  
  I am rejecting this response because:

  Chime has failed to provide the call logs and time stamps from the date I was scammed that prove their ruling is justified. If each call is recorded for quality control purposes where are the receipts? Wheres my just due process? Denying my claim solely on the basis of my transaction history, especially considering my account with ********************** has had zero derogatory marks, overdrafts, or pre existing claims up until this point is negligent and predatory. Theyre pulling my own purchase history to use against me in a time of grave crisis, and despite paying every single one of my bills on time, Chime has decided that my spotless member history with them is evidence enough to just not help me. The reward for being a responsible account holder is losing my entire savings to a scam artist using Chimes own verified phone number and Chime just gets to wash their hands of accountability.
  

  I strongly urge anyone considering banking with Chime to take their buisness anywhere else. Chime DOES NOT have your best interest, will not protect you in the event of fraud, their firewall and overall platform security is less protected than your mailbox. 

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

• Initial Complaint

  Date:06/03/2025

  Type:Product Issues
  Status:

  ResolvedMore 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.

  A dispute was filed (Dispute ID: *******) in the amount of $1,550.00. This money was sent as a rent payment to a friend and because of the dispute the money was taken back from him and held by Chime. The dispute was ruled in his favor and he did not receive the money back and neither did I. I want a resolution as this is a very annoying situation him and I are dealing with

  Business Response

  Date: 06/09/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******* ****.
  
  On April 2, 2023, ******* called us to report that they had not received the expected service for their February 10, 2023, payment of $1,550.00 to Venmo and wished to receive a refund. We filed a dispute and began an investigation into the matter.
  
  As a part of our dispute investigation, a chargeback may be requested by Chime. A chargeback is a request to the merchant from Chime to have the funds from a disputed transaction returned to the member. Merchants can reject chargebacks and can provide evidence to show that a transaction is legitimate. Our records indicate that we received compelling evidence from the merchant regarding ******** dispute.
  
  On May 3, 2023, we concluded the investigation and, based on the information available, determined that no error occurred. An email notification was sent informing ******* of the outcome and that no credit would be posted.
  
  On June 3, 2025, ******* requested to reopen the investigation, and a new review was opened.
  
  The additional review 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 September 1, 2025. ******* will be notified via email as soon as the investigation is completed.
  
  We thank you for the opportunity to respond to ******* Hills complaint. If ******* **** continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 06/09/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:06/03/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore 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 taken in dictation by BBB *** SS 06/03/2025 I received an unauthorized charge in the amount of $1,998. The business sent me a message indicating the charge was blocked. I confirmed that I did not recognize the charge. The charge still was deducted from my bank account. Attached is a copy of the message I received. The business mentioned I would receive a credit on 06/17/2025. They are still investigating this matter. I would like the credit returned sooner. They did not honor their agreement.

  Business Response

  Date: 06/09/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **** *********.
  
  On June 3, 2025, **** called us to report one (1) unauthorized transaction from Metapay ****** *****, amounting to $1,998.00, posted to their account. We filed a dispute and began an investigation into the matter.
  
  As a part of our dispute investigation, a chargeback may be requested by Chime. A chargeback is a request to the merchant from Chime to have the funds from a disputed transaction returned to the member. Merchants can reject chargebacks and can provide evidence to show that a transaction is legitimate.
  
  On June 6, 2025, we applied a provisional credit to Omars account for the full amount of the dispute. This credit is provided to allow **** with full use of the funds while we complete our investigation.
  
  The investigation is currently in process, and we are working to resolve Omars case as quickly as possible. Based on the nature of the claim, we will complete the investigation no later than September 1, 2025. **** 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 *************** at ************

  Customer Answer

  Date: 06/10/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  **** *********

• Initial Complaint

  Date:06/03/2025

  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.

  My name is ****** *****. My Chime account (ending in 5080) was compromised in late September 2024. Over $3,754.41 was stolen from me through unauthorized ATM withdrawals. I immediately filed a dispute (Claim ID: ********* on October 7, 2024.Since then, Chime has denied my claim multiple times without any clear explanation. Ive submitted police reports, written letters, provided photographic evidence, had the lead investigator on my case write a formal letter, and even had my attorney send documentation on my behalf. Despite all this, Chime continues to ignore the facts and withhold my money.Chime is in violation of the *************** Transfer Act (Regulation E), which protects consumers from unauthorized transactions and requires banks to resolve disputes within 45 days. It is now June 2025. I have been waiting for justice for 8 months.The withdrawals on September 23, 2024, including $202.99 at 6:41 PM PDT, $162.99 at 6:56 PM PDT, and $202.75 at 8:42 PM PDT, were not authorized by me. I have made this clear repeatedly, with every piece of evidence a person could be expected to provide. Yet Chime continues to drag this out, leaving me financially harmed and emotionally exhausted.I am demanding that Chime immediately reimburse me the full $3,754.41 that was stolen from my account and provide a full, documented explanation for their actions or lack thereof. This situation is unacceptable, negligent, and unlawful.

  Business Response

  Date: 06/10/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****** *****.
  
  On October 7, 2024, Akayla called us to report that (42) unauthorized ATM withdrawals and associated fees had posted to their account, totaling $3,754.41. We filed a dispute and began an investigation into the matter.
  
  On October 10, 2024, Chime concluded the investigation and, based on a review of ******* transaction history, device/login activity, account takeover indicators, and other risk-based factors, determined that no error had occurred. An email notification was sent informing Akayla of the outcome and that no credit would be posted.
  
  Between October 11, 2024, and May 7, 2025, ****** made multiple requests to reopen the investigation, and additional reviews were initiated. As of our latest decision on June 2, 2025, we notified ****** via email that our decision remains that no error occurred.
  
  On October 11, 2024, ****** requested a copy of the documents we relied on in making our determination.
  
  On October 13, 2024, a copy of the documents Akayla requested was forwarded to them via email.
  
  We understand this is not the resolution Akayla was seeking, but we are confident the investigation of the claim was properly conducted and resolved.
  
  We thank you for the opportunity to respond to Akayla Perrys complaint. If ****** ***** continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.
  

  Customer Answer

  Date: 06/10/2025

   
  Complaint: 23411824
  
  I am rejecting this response because:
  All the evidence that has been provided to me has been ALL EVIDENCE I Provided, I have spoken with the owner of atm and they have *** ******************** has NOT Reached out to them, he even wrote a statement to ******************** *** if they do a chargeback he will accept it bc my funds were stolen from my account, this is unfair and unacceptable i shouldnt have to go months fighting for what has been stolen and proven and ******************** has continuosly refused to properly investigate, they arent for their customers they are for theirselves and I WILL SEEK LEGAL ACTION 
  Sincerely,
  
  ****** *****

  Business Response

  Date: 06/10/2025

  Thank you for giving us the opportunity to follow up on Akayla Perrys BBB complaint.
  
  On October 7, 2024, ****** called us to report that (42) unauthorized ATM withdrawals and associated fees had been posted to their account, totaling $3,754.41. We filed a dispute and began an investigation into the matter.
  
  On October 10, 2024, Chime concluded the investigation and, based on a review of ******* transaction history, device/login activity, account takeover indicators, and other risk-based factors, determined that no error had occurred. An email notification was sent informing Akayla of the outcome and that no credit would be posted.
  
  Between October 11, 2024, and May 7, 2025, ****** made multiple requests to reopen the investigation, and additional reviews were initiated. As of our latest decision on June 2, 2025, we notified ****** via email that our decision remains that no error occurred.
  
  On October 11, 2024, ****** requested a copy of the documents we relied on in making our determination.
  
  On October 13, 2024, a copy of the documents Akayla requested was forwarded to them via email.
  
  We appreciate the circumstances surrounding Akayla Perrys situation. However, we have pursued every available action to resolve the dispute in Akayla Perrys favor. At this time, we are unable to provide any additional refund.
  
  We thank you for the opportunity to respond to Akayla Perrys complaint. If ****** ***** continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.
  
  

  Customer Answer

  Date: 06/10/2025

   
  Complaint: 23411824
  
  I am rejecting this response because:this is the same response given earlier, i need my funds returned
  
  Sincerely,
  
  ****** *****

• Initial Complaint

  Date:06/03/2025

  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 Chime debit card in the mail with my legal name, but I never signed up for an account with **********************. I believe someone used my personal information to open a fraudulent account. I immediately contacted Chime and submitted an FTC Identity Theft Report to their support team, asking for the account to be closed, for written confirmation that I am not liable, and for information about what data was used to open the ******************************* only response was a generic email telling me to call them. They addressed me by the name in my email address, which is not my real name, showing they didnt verify anything or review the identity theft documentation I sent. I have since filed a complaint with the Consumer Financial ***************** (CFPB) to escalate the issue due to Chimes lack of action.I want Chime to take this matter seriously, properly investigate the account, close it, confirm I am not liable, and provide the information that was used to open it. Their current lack of transparency is unacceptable.

  Business Response

  Date: 06/06/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****** ********.
  
  Unfortunately, we are unable to locate a Chime account using the information provided. In order to locate and take the necessary steps to take further action on the account, we will need the identifying information that was received (a picture of the letter inside the envelope showing the card, and/or corresponding account information) Once provided, we are more than happy to take further action.
  
  We thank you for the opportunity to respond to ****** ******** complaint. If ****** ******** continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

• Initial Complaint

  Date:06/03/2025

  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 am writing to formally express my deep concern and dissatisfaction regarding the handling of my recent fraud claim associated with my Chime account.On May 16, 2025, while I was working at my job as a security officer from 2:00 PM to 10:00 PM at a location on ************* in *******, **, my Chime card was used without my authorization to withdraw $2,135.00, including *** fees, from an *** in *********, ************ location approximately 30 minutes away from where I was stationed and actively working at the time of the transaction.I immediately reported the issue to Chime upon discovering the missing funds, and I was advised to file a dispute, which I submitted the following Sunday. As supporting evidence, I provided:Time-stamped photographs of me at work at the time of the unauthorized withdrawal proof of my work schedule and A photo with my supervisor clearly visible Contact information for my manager, who can verify my presence at work A detailed timeline of the events Despite submitting this concrete evidence, my claim was denied not once, but twice. This decision has left me shocked, disheartened, and financially devastated, especially considering that:I was physically at work during the time the *** withdrawal occurred.The *** used was in a different city and state.I provided clear and irrefutable documentation proving I could not have been responsible.I am respectfully requesting that Chime reopen and escalate my claim to a senior-level review. I also request a clear explanation of why my dispute was denied despite the overwhelming evidence I submitted. Under Regulation E, I believe I have fulfilled all obligations to report and support my case in a timely and accurate manner.If this issue is not resolved promptly, I will politely leave Chime because they are a rip off and a scam but I must protect my rights and financial well-being.Thank you for your time and immediate attention to this matter.

  Business Response

  Date: 06/10/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by Corderral *******.
  
  On May 18, 2025, Corderral opened three (3) dispute claims totaling $2,125.00 for transactions that posted to their account on May 16, 2025. We have reviewed each claim extensively and affirm the final determinations as valid, and we consider these matters closed.
  
  Between May 22, 2025, and June 2, 2025, Corderral made multiple requests to reopen the investigation, and additional reviews were initiated. As of our latest decision on June 7, 2025, we notified Corderral via email that our decision remains that no error occurred.
  
  We understand this is not the resolution Corderral was seeking, but we are confident the investigations of Corderral's claims were properly conducted and resolved.
  
  On June 8, 2025, ********* requested to reopen the investigation for one of their claims, and a new review was opened. The additional review is currently in process, and we are working to resolve Corderral's case as quickly as possible. We will update you regarding your case by June 23, 2025, and will complete our investigation by July 23, 2025.
  
  We thank you for the opportunity to respond to Corderral Jacksons complaint. If ********* ******* continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.
  

  Customer Answer

  Date: 06/10/2025

   
  Complaint: 23408979
  
  I am rejecting this response because:
  
  Sincerely,
  
  Corderral *******

  Thank you for forwarding Chimes response to my complaint.

   

  While I appreciate Chimes acknowledgment of my dispute and their mention of a new review being opened on June 8, I must respectfully disagree with their assertion that the matter was properly investigated and resolved.

   

  The original dispute denials were issued despite clear and credible evidence that I could not have made the transaction in question, including:

   

  Time-stamped photos of me actively working during the time of the *** withdrawal

   

  Documentation of my work schedule

   

  A photo with my supervisor on-site

   

  Contact details of my manager who can verify my presence

   

  A detailed and chronological timeline of events

   

   

  The transaction occurred in *********, MSapproximately 30 minutes away from my verified work location in *******, **. It is physically impossible for me to have made that transaction while on duty as a security officer. I believe this constitutes a clear violation of my rights under Regulation E, which protects consumers from unauthorized electronic fund transfers.

   

  Chime has failed to provide any detailed explanation as to why my solid evidence was disregarded. Simply stating that their decision stands without transparency or justification is unacceptable when $2,135 of my money is involved.

   

  I am requesting that the BBB continue to monitor this issue as Chime completes the newly reopened investigation by July 23. I expect a fair, thorough, and transparent review of all evidence, and if Chime once again denies my claim without cause, I will explore additional legal options and escalate this matter to federal regulators.

   

  Thank you again for your assistance.

   

  Sincerely,

  Corderral *******

   

  Business Response

  Date: 06/12/2025

  Thank you for giving us the opportunity to follow up on Corderral Jacksons BBB complaint.
  
  Claim ID ******** & 16948752
  
  Between May 22, 2025, and June 5, 2025, Corderral made multiple requests to reopen the investigations, and additional reviews were initiated. As of our latest decision on June 11, 2025, we notified Corderral via email that our decision remains that no error occurred.
  
  On June 11, 2025, ********* requested to reopen the investigation, and a new review was opened. The additional review is currently in process, and we are working to resolve Corderral's case as quickly as possible. We will update you regarding your case by June 26, 2025, and will complete our investigation by July 26, 2025.
  
  Claim ID ********
  
  Between May 22, 2025, and June 2, 2025, Corderral made multiple requests to reopen the investigation, and additional reviews were initiated. As of our latest decision on June 7, 2025, we notified Corderral via email that our decision remains that no error occurred.
  
  On June 8, 2025, ********* requested to reopen the investigation, and a new review was opened. The additional review is currently in process, and we are working to resolve Corderral's case as quickly as possible. We will update you regarding your case by June 23, 2025, and will complete our investigation by July 23, 2025.
  
  We thank you for the opportunity to respond to Corderral Jacksons complaint. If ********* ******* continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.
  
  

  Customer Answer

  Date: 06/13/2025

   
  Complaint: 23408979
  
  I am rejecting this response because:
  
  Sincerely,
  
  Corderral *******

  I am writing to formally respond once again to Chimes latest message regarding my active dispute claim (Claim IDs ********, ********, and 16948752).

   

  I continue to reject Chimes position that "no error occurred," and I must emphasize that I have provided overwhelming, irrefutable evidence that the *** withdrawal on May 16, 2025, was not authorized by me and could not have been made by me.

   

  Additional Supporting Documentation Provided:

   

  A time-stamped photo of me on duty at work during the time of the transaction, with my supervisor visible.

   

  A signed timesheet from my supervisor.

   

  GPS location data proving I was at my job site at the time of the unauthorized withdrawal.

   

  My work schedule and official documentation from HR confirming my shift.

   

  A screenshot of an email from my work administrator verifying my presence.

   

  A screenshot from my manager stating I was on-site.

   

  Photo identification including my drivers license and social security card for identity verification.

   

  A photo of me holding my work schedule.

   

   

  In addition, my employer's ************************** has expressed that they are willing to step in to support this investigation should Chime continue to mishandle this case. I have complied fully, promptly, and transparently. I am done resubmitting documentation.

   

  Despite submitting all of this, Chime continues to delay, recycle template responses, and assert that no error occurred without offering any factual explanation for their denial. This pattern of behavior is deeply troubling and, in my opinion, borders on negligence or intentional avoidance of Regulation E responsibilities.

   

  My Final Request:

   

  I respectfully urge the BBB to continue monitoring this case through its final investigation deadline in July 2025. If Chime once again denies my claim without addressing my evidence directly, I will:

   

  Pursue legal action,

   

  File complaints with federal regulators (CFPB and OCC),

   

  And share this experience publicly to warn other consumers.

   

   

  At this point, I have exhausted all reasonable efforts. I am not only fighting to recover my money, but to ensure that other innocent customers are not treated this way. I am a working citizen with rightsand those rights have been violated.

   

  Thank you again for your attention to this matter.

• Initial Complaint

  Date:06/02/2025

  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 cashed my paper check with chime on 5/29/2025. Any bank I have ever been with usually cashes within2-3 business days. Chime is holding this check until 6/5 until 9pm. I need that money to eat, take the train, get to work. How can I do this if the bank wont cash my check in a timely manner? Most Americans live paycheck to paycheck (myself included) and now I dont know how Im going to make it through the next couple of days. I called chime to expedite it and they said it was not possible. Chime should move like other banks and give people their money in a timely manner. If it was a large amount I would understand but its under 500$ it makes no sense why it is taking this long.

  Business Response

  Date: 06/04/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****** **********.
  
  Our records indicate that on May 29, 2025, ***** utilized Chimes Mobile Check Deposit feature to submit a check in the amount of $455. An email was sent to ***** confirming the check was received and explaining when the funds would be available. Our review determined that the funds will be posted to their account on June 4, 2025.
  
  It can take up to five (5) business days from the check acceptance date to receive the funds from the check ***** submitted using Mobile Check Deposit to make sure the check is not dishonored, rejected, or otherwise returned unpaid by the drawee bank.
  
  Chime records indicate at the time of Jerrys account opening, they were presented with a deposit account agreement. As outlined in Section (IV) Mobile Check Deposit, when you make a Mobile Check Deposit, we will tell you when the funds will be available. Unless your Mobile Deposit is rejected or subject to a "Longer Delay (see deposit agreement for details), funds will be available no later than five (5) business days after the deposit is processed. The most up to date deposit account agreement can be found here: **************************************************************************************;
  
  We thank you for the opportunity to respond to ****** Buffamantes complaint. If ****** ********** continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.