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:04/29/2025

  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.

  4/26/2025 I asked for $500 to be deposit into my account two days early and I have not received my funds.I need to know where is my money

  Customer Answer

  Date: 04/30/2025

  From: ******* ***** <*********************************************>
  Sent: Tuesday, April 29, 2025 12:16 PM
  

   

  The issue has been resolved.

   

  Thanks

   

• Initial Complaint

  Date:04/28/2025

  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.

  April 3 I got an email from Chime saying that my account was closed and that was it. I had money in the account. I tried contacting Chime three or four times that day and no one would tell me anything. They said it was because of a deposit that was made that one against their user agreement And thats all they would tell me they wouldnt tell me what deposit when it was made nothing like that they gave me no information about that. All they would tell me is it was from a deposit that was made that went against the user agreement. I went and read the user agreement. Nothing that was done on my chime, went against any of that I tried contacting them. The next day got the same answers. No one would tell me anything and they wouldnt even transfer me to anyone to talk to you and they wouldnt even let me talk. They just talk over you and are rude and then they hang up on you and then so I called back again trying to see where my money was. they told me Id get a check in 30 days And then a few days later I get an email from Chime saying that Im not getting my money back that was in my account so I called again and talk to them again and then now theyre telling me that Ill get a check with my money in 30 days again Still, I have no answers as to why my account was even closed at all.Ive had chime since 2018

  Business Response

  Date: 04/29/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******* *******.
   
  On April 3, 2025, after a complete review of ********* account, we identified activity regarding deposit(s) on ********* account that is not in compliance with its internal policies and the member agreement executed at enrollment. Therefore, we exercised our right to close the account. This is in accordance with Section (I)(C)(9) titled Account Holds, Suspensions, Restrictions, and Closures of the Chime Deposit Account Agreement: ********************************************************************************.
   
  At this time, the account remains closed and is not eligible to be re-enabled. As the account has no remaining balance upon closure, no refund will be issued. 
   
  We thank you for the opportunity to respond to ******* Sheltons complaint. If ******* Shelton continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/30/2025

   
  Complaint: 23258137
  
  I am rejecting this response because: I've read the policy and nothing on my chime account went against any of that. When I asked them, what deposit was made on my account that went against their policy, they wouldn't even tell me or show me which deposit they closed my account over. I've had my chime account since 2018, and I've done nothing different on there. I've attached the statement that they sent to me, but no one would ever tell me which deposit made them close my account. I had money in my savings account on there and in my regular account, I had over $200 dollars that they told me I would receive a paper check in the mail for the money I had in my account and then I got an email saying that I wasn't getting my money back but I've talked to someone after the email and they told me I would receive the check in 30 days from when they closed my account, so the last I thing I got told was that I would be getting a check in the mail in 30 days from the day they closed my account. They won't let you talk to anyone, they are very rude and sit there and talk over you and then hang up on you, they are not helpful at all, they won't let you talk to a manager or anyone higher than them at all no matter what you do, they don't give you any answers at all and they still won't provide me with the deposit they closed my account over, I asked them what their policy was that the deposit went against and they told me they didn't know that I can go and look it up myself. I'm not sure why they think its ok to keep all the money I had in my account, I have two kids, and I have bills to pay but all the money I had was in my chime account which they closed and kept my money, so it has also put me in a bind financially as well.
  
  Sincerely,
  
  ******* *******

  Business Response

  Date: 05/01/2025

  Thank you for giving us the opportunity to follow up on ******* Sheltons BBB complaint.
  

  We appreciate the circumstances surrounding ********* situation. However, the account remains closed and is not eligible to be re-enabled.
  

  The account was not in compliance with Chimes internal policies and the account agreement provided at account opening, therefore we exercised our right to close the account. 

  As the account had no remaining balance at closure, no refund will be issued.

  We appreciate Lindsay for sharing their feedback with us. We're dedicated to creating the best experience possible for all of our members and greatly appreciate Lindsays input.
  
  We thank you for the opportunity to respond to ******* Sheltons complaint. If ******* Shelton continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 05/02/2025

   
  Complaint: 23258137
  
  I am rejecting this response because: I did have money in my account. I had money in my savings account, over $130 dollars and I had money in my regular chime account as well, close to $100 I would say, can't remember the exact amount. They have all of our recorded conversations saying they were going to mail me a check for the money I had in my account. So now they have a different reason for closing my account besides "deposits" like they had stated from the start, now they are saying I went against chimes internal policies and the account agreement provided at account opening. So, I'm a little confused as to why they're not giving specific reasons and transactions as to why they closed my account. I've done nothing different on my chime account since I opened it and nothing on my chime account goes against any kind of chime agreement. I want all my bank statements from Jan of this year until now whenever they closed my account because it will show nothing on there went against anything and it will show exactly how much money I had in my account and my savings account. Theres no point in calling them at all because they tell you the same thing over and over and you can't understand them, and they are very rude.
  
  Sincerely,
  
  ******* *******

• Initial Complaint

  Date:04/24/2025

  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 opened an account with Chime in 2024 and have had multiple employers direct deposit income with them. On April 4, 2025 I received three notifications, one after the other, for an $11.99 charge to my account. Upon investigation they were not authorized and were an unknown merchant/location. I was unable to dispute these charges as they were still in a pending status and would need to wait until they were posted to my account to file a claim. Within the next half hour I received a text message from Chime Financial ************** asking if I was attempting to make a $440.71 charge at ******* to which I response no. Minutes later the same number called and inquired about the same transaction and I again said no I was not at any ******* and had just had those three unauthorized charges come through my account. I was told my account had been hacked and they were going to send me a new physical card as well as set up a new virtual card for me. He then asked me if my address was correct and stated my address. The caller who identified himself as a chime agent including his location and employee ID instructed me to use a reference number to add my remaining balance to the new virtual card. I followed the directions after asking for verification that he was a chime agent to which he again gave me his employee ID and years of service. I transferred the balance $1210.87 and was instructed to log out of my account and back in within 15 mins and my new card would be visible and active. He assured me my physical card would arrive within 7 days. Once I logged out I saw my balance was $0 and filed a claim with Chime to which they have denied 4x now stating I knowingly transferred this money to someone. The number he called from was disconnected within minutes of the call and I have received 2 other messages asking the same fraud question since. Chime refuses to provide documentation on what theyve investigated and why theyve denied the claims. I will not let them keep my $1210.

  Business Response

  Date: 04/28/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******* *******.
   
  On April 4, 2025, Heather called regarding a Pay Anyone transfer totaling $1,210.87 which Heather stated was unauthorized. We filed a dispute and began an investigation into the matter. 
   
  On April 6, 2025, we notified Heather via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  Between April 7, 2025 and April 17, 2025, Heather made multiple requests to reopen the investigation and additional reviews were initiated. As of our latest decision on April 23, 2025, we notified Heather via email that our decision remains that no error occurred.
   
  On April 8, 2025, Heather requested a copy of the documents we relied on in making our determination. On April 15, 2025, a copy of the documents Heather requested was forwarded to the email on file.
   
  We have escalated the dispute referenced in Heather's complaint for further review. We appreciate Heathers patience at this time. 
   
  We thank you for the opportunity to respond to ******* Moreashs complaint. If ******* Moreash continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/29/2025

   
  Complaint: 23243969
  
  I am rejecting this response because:

  I never received any documentation of what was used to make a decision. The situation itself was a scam so there was a large error in the pay anyone feature as they claimed to be a chime agent telling me to transfer my account balance to a new virtual card. My last call with chime I was told by an agent there was nothing they can do as its my fault. The person who contacted me for the scam had access to my account as they provided me with my home address. Ive explained the whole situation in length to chime and typically within ***** hours they deny the claim. There is no investigation going on in that time. My next steps will be to file in small claims. 

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

  Business Response

  Date: 05/01/2025

  Thank you for giving us the opportunity to follow up on ******* Moreashs BBB complaint.
  
  We understand this is not the resolution Heather was seeking, but we are confident the investigation of the claim was properly conducted and resolved. 
  
  We have escalated for the requested documentation to be sent to ******* via email as soon as possible.
  
  We thank you for the opportunity to respond to ******* Moreashs complaint. If ******* Moreash continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 05/01/2025

   
  Complaint: 23243969
  
  I am rejecting this response because:

  Chime has again not sent any documentation of anything used in the investigation other than what the screenshot of the email they sent today shows, which is the same email theyve sent twice before. They list they investigated phone calls and login information but that is not an investigation as that is what I provided them in my description of the scam and the person who called me. Again as I have stated if this is not resolved I will be escalating this to a small claims court lawsuit. Chime is responsible for this amount as they state they protect like any other **** card does, and my account was obviously hacked/compromised. Any other banking establishment would not be fighting me on this. It is going on a month from the original dispute and I am getting very frustrated and tired of explaining the same thing to them over and over as they arent listening and ignoring everything I provide. 
  
  Sincerely,
  
  ******* *******

• Initial Complaint

  Date:04/23/2025

  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 got a loan through chime last year and have since paid it off as of January 2025 and I have proof of paying it off. My credit report however says that I didnt and have proof of that as well, when I disputed the credit rating to chime they refused to update it with the correct information that it has been paid off. I have talked to several people and none of them helped me correct it. I will not have my credit ruined because of incorrect information

  Business Response

  Date: 04/29/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******** ******.
  
  Chime doesnt perform a credit check when a member accesses Instant Loans. However, Chime reports payment activity on Instant Loans to credit bureaus, so missed payments will appear on their credit reports. If they pay off their loan early, they will pay less in interest. Also, there are no additional fees, no late payment fees, or early repayment fees. Please note that late payments may be reported to credit bureaus.
  
  Chime reports information accurately to the three major credit bureaus. Our records further indicate ********* account is being reported accurately. To remain fair and impartial to all our members, we are unable to modify our credit reporting procedure.
  
  We thank you for the opportunity to respond to Sarafina Walkers complaint. If Sarafina Walker continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/29/2025

   
  Complaint: 23241627
  
  I am rejecting this response because: the information report by your company is inaccurate and needs to be corrected 
  
  Sincerely,
  
  ******** ******

  Business Response

  Date: 05/01/2025

  Thank you for giving us the opportunity to follow up on Sarafina Walkers BBB complaint.
   
  Chime reports information accurately to the three major credit bureaus. 
   
  Our records indicate Sarafinas account is being reported accurately. To remain fair and impartial to all our members, we are unable to modify our credit reporting procedure.
   
  Impact on Sarafinas credit score may vary, as credit scores are independently determined by credit bureaus based on a variety of factors.
   
  For more information on credit reporting, please check out the following link: *********************************************************************************************;
   
  We thank you for the opportunity to respond to Sarafina Walkers complaint. If Sarafina Walker continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 05/02/2025

   
  Complaint: 23241627
  
  I am rejecting this response because: if it was accurate I wouldnt have to go through all this to get it fixed . It shows 5% being paid off even though I paid it in full. Thats the problem Im having , it isnt accurate and your records should show that I paid it because I have the receipts so until its corrected I will continue to seek legal action 
  
  Sincerely,
  
  ******** ******

• Initial Complaint

  Date:04/22/2025

  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.

  I have been receiving emails regarding an account that was opened with my personal information (address, email, phone number). I called Chime financial twice to resolve this issue, with no help whatsoever. Within 48 hours, I received over 40 emails regarding transactions made on this fictitious account. I continually check my banking information because I feel they will eventually access my bank account. ********************** has done nothing to remedy this situation and is completely useless.

  Business Response

  Date: 04/28/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***** ***********.
   
  On April 22, 2025, the account in question was suspended. This will prevent the account from being used or any new account from being opened with the same information. 
   
  Chime takes reports of identity theft very seriously and has taken the appropriate action on the reported account.
   
  Please note that Chime is a financial technology company, not a bank, and accordingly Chimes partner banks, The ************, N.A. or ***********, N.A.; Members ****, provide their banking services. Chime and our bank partners take identity theft claims very seriously and we actively investigate these claims in line with current industry practices, which are approved by our partner banks. Chime always strives to make improvements to our operations, especially as it relates to preventing unauthorized third parties from using another individuals personal information for illegitimate reasons.
   
  We have escalated the account referenced in Steve's complaint for further review. We appreciate ****** ******** at this time.
   
  We thank you for the opportunity to respond to ***** Whittingtons complaint. If ***** Whittington continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/28/2025

  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:04/22/2025

  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 did not realize you were not able to deposit money into your chime account using an ATM at a national bank as you are ableto deduct and withdraw money from an ATM at a *************. On April 19, I took my Chime card the first national bank inserted it. It asked for my pin I put it in. It asked what function I wanted to do. I selected deposit it opened the money slot I inserted $500 cash. It spit out a receipt stating that the transaction was not permitted. It did not return my debit card or my money now first national, brinks the company who services their ATMs, and Chime refuse to return my money. Brinks and First National are telling me Chime is responsible to file a dispute with ***, in order to recoup the funds directly into my chime account. I have spoken with over a dozen Chime employees, including several supervisors - they are telling me they have no recourse to do so as there is no transaction showing on my Chime account to file a dispute on. I told First National what time was telling me and they told me these receipts I have just uploaded should be evidence enough for them to take action. Please assist

  Business Response

  Date: 04/25/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***** *****.
   
  When members notice an error with transactions on their Chime accounts, they can file a dispute through Chime. Disputes can be filed over the phone or within the Chime app.
   
  We have conducted a reasonable investigation of ******* account and were unable to identify any account discrepancies. If Josey experiences any fraudulent activity on their account, or if they have any further concerns, we advise that Josey call us at ************ and specifically identify any concerns or unauthorized activity including the merchants name, the amount, and the transaction date.
   
  With regards to the *******************'s deposit, we highly suggest Josey to contact the bank itself for further assistance on how they can get back their $500.00 cash deposit as this is not visible in Chime's system.
   
  We thank you for the opportunity to respond to ***** ****** complaint. If ***** Byrne continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/27/2025

   
  Complaint: 23232762
  
  I am rejecting this response because:

   

  clearly, a deposit of $500 cash was made at *******************. See receipt of deposit.

  clearly, the withdrawal of $500 was denied by ******************* several moments after the *** taking my money and keeping my *** card. See receipt of insufficient funds

  chime acknowledges that there was an attempt to withdraw $500 plus the *** withdrawal fee. See screenshot of $503.95 denied by chime

  see verbiage from ******************* branch in voicemail where they tell me they cannot give me the 500 regardless of the fact that their *** will be 500+ at end of week withdrawal by brinks

  The only way for me to get my cash is for time to make a dispute or complaint with ******************* and they said they will be glad to deposit the money directly into my chime account. Otherwise, I am out the money. This is totally unacceptable that neither of the organizations will give me my money back when they both know it is rightfully mine

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

  Business Response

  Date: 04/29/2025

  Thank you for giving us the opportunity to follow up on ***** ****** BBB complaint.
   
  We understand how important it is for Josey to retrieve the $500 cash deposit made at a ******************* ATM, however, for further assistance regarding this matter, ***** must get in touch with ******************* for the resolution.
   
  Please note that ******************* is not one of Chime's deposit partners. 
   
  Josey can deposit cash into their Chime Account at over ****** retail locations with our cash deposit partners. ***** may ask the cashier to make a cash deposit directly to your Chime account.
   
  Cash deposits made at ********* locations, including ***** ***** locations, do not incur any fees. Other third-party money transfer services that are used to add funds to your Checking Account may impose their own fees or limits such as:
  Fees per transaction
  Daily, weekly, or monthly limits on the frequency or the amount of cash you may add to the Checking Account 
  In addition, here are some of the many other retailers that accept cash deposits, with their own applicable fees:
  Walmart
  7-Eleven
  Speedway
  Dollar General
  Family Dollar
  CVS
  Pilot Travel Centers (Pilot Flying J)
  Holiday Station ******************************** Investments
  ****** Incorp
  **************** (Travel ******************)
  Royal Farms
  *********************
  *************
  ****** Gentle (Kum & Go) 
  On April 18, 2025, $503.95 was attempted to be withdrawn from Josey's Credit Builder Account but was declined due to insufficient funds.
   
  We appreciate Josey for sharing their feedback with us. We're dedicated to creating the best experience possible for all of our members and greatly appreciate Joseys input.
   
  We thank you for the opportunity to respond to ***** ****** complaint. If ***** Byrne continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 04/30/2025

   
  Complaint: 23232762
  
  I am rejecting this response because:

  It is Chimes responsibility, as my banking institution, to petition first ************* to send the $500 over to my chime account. All they had to do was literally reach out the first national/file a dispute with them/via any method they chose - request first ************* to return my funds to my chime account electronically and FNB would directly deposit it into my chime account.

  Since ******************** overtly refused this simple process   - the branch manager at the ***********, ** location of *******************, kindly agreed to make an exception and are filing an internal dispute. So Im going about getting my $500 from them, thankfully. Avoid Chime Bank at all costs - they lack basic business ethics. Well, in this case, ******************* went above and beyond.

   

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

• Initial Complaint

  Date:04/22/2025

  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.

  Reading other complaints, it shows exact *************** matter previous transaction history if a cardholder states they card, wallet or phone is stolen and the transaction was not made, Chime should fully investigate the issue and it seems they dont,they have repeatedly deny my claims. Someone stole my phone at the fair, I had just bought the phone and didnt put passcode my card was attached to my cash app and the person would send themselves money. I would make a claim with cash app and Chime. Chime automatically Denys my ********** app would be the one to agree it was fraud and close account to prevent further fraudulent activities. So yall can save all that no error occurred because it was fraud!!! Another issue a business agreed to refund me my money after cancellation. they said it would take 3-5 days. A week past, I would contact the business who would then say they have new owners and doesnt know anything about my transactions I would contact booking who would say they waiting on the hotel to refund them before they can refund me.Stayables would tell me they refunded booking on April 1. Yet booking still says they havent received money. Chime was no help at this, just deny, deny, deny.Appealing the decision is pointless because they still gone say no error occurred. Thank God I finally received my $100 deposit back from the hotel, but that just shows Chime is not fully investigating transactions reported. Intuit tax(FRAUD) but denied. At this point I think it should be a class lawsuit against Chime. Consult with an attorney specializing in financial fraud or consumer protection.Submit a complaint to the **** online or by ************ the fraud to the *** at *******************. Contact your state's attorney ****************. If you are unsatisfied with the bank's response, you can complain to its regulator. At some point this has to stop,theres no way it should be this many people saying the same thing happened to them when disputing transactions

  Business Response

  Date: 04/28/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******** Clerk.
  
  Claim ID: ********
  On July 7, 2024, ******** contacted us via phone regarding 5 transactions totaling $1,648.00 which ******** stated were unauthorized. We filed a dispute and began an investigation into the matter.
  
  On July 8, 2024, we notified ******** via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  Claim ID: ********
  On March 6, 2025, ******** contacted us via phone regarding 1 transaction totaling $1,327.75 which ******** stated was unauthorized. We filed a dispute and began an investigation into the matter.
  
  On March 19, 2025, we notified ******** via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  On the same date, ******** inquired about reopening the case, and an additional review was opened.
  
  On April 2, 2025, we notified ******** via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied.
  
  Claim ID: ********
  On April 5, 2025, ******** contacted us via phone regarding 1 transaction totaling $104.99 which ******** stated transaction was cancelled. We filed a dispute and began an investigation into the matter.
  
  On April 13, 2025, we notified ******** via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  On the same date, ******** inquired about reopening the case, and an additional review was opened.
  
  On April 23, 2025, we notified Marquita's via email that we reopened the claim based on the additional information provided and determined that an error did occur. On April 15, 2025 the merchant refunded Marquita's account in the amount of $100.00. As a result, a credit in the amount of $4.99 was posted to Marquita's account on April 23, 2025.
  
  Claim ID: ********
  On April 9, 2025, ******** contacted us via phone regarding 1 transaction totaling $119.00 which ******** stated was unauthorized. We filed a dispute and began an investigation into the matter.
  
  On April 16, 2025, we notified ******** via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  On the same date, ******** inquired about reopening the case, and an additional review was opened.
  
  On April 21, 2025, we notified ******** via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied.
  
  We thank you for the opportunity to respond to ******** Clerks complaint. If ******** Clerk continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/28/2025

   
  Complaint: 23234540
  
  I am rejecting this response because:
  They have admitted several times that they have determined no error occurred after I have submitted proof of those errors. My complaint is being made in regards to them automatically responding that no error occur without fully investigating the claims. On several issues I didnt even reopen the claims because they clearly are NOT doing their job to properly investigate. As they stated I had to reopen one claim that they stated no error occurred just for them to say YES an error did occur but thats after I fought with the merchant who refunded me after being upset Chime denied my dispute and threatened the merchant with arbitration. If they didnt finally refund me, Chime would have said again no error occurred. My statement remains they are not fully investigating fraud disputes. 
  Sincerely,
  
  ******** Clerk

  Business Response

  Date: 04/30/2025

  Thank you for giving us the opportunity to follow up on ******** Clerks BBB complaint.
   
  We understand this is not the resolution Marquita was seeking, but we are confident the investigations of the claims were properly conducted and resolved. 
   
  We thank you for the opportunity to respond to ******** Clerks complaint. If ******** Clerk continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 04/30/2025

   
  Complaint: 23234540
  
  I am rejecting this response because: Theres no point in contacting you all because it will be the same outcome. You all think its ok continue to do this to your card holders, do not be surprised when another class action lawsuit comes about. I have attached yet another dispute that was not fully investigated. I honestly think its time to part ways with Chime. As I have a ********* that dont mind actually abiding by the contract and policy to fully investigate claims. Ive been with Chime for a while and may have had no more than 10 disputes opened. For everyone person that has complained about the conduct of Chime handling their disputes, and the same response to the claims, should be shown the issues that behold on Chimes end.
  
  Sincerely,
  
  ******** Clerk

• Initial Complaint

  Date:04/22/2025

  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.

  ******************************************************************************************* has given me h*** made me argue with customer service to h*** and back still yet to give me the bonus I am owed. Yet even their own app chat staff says I'm eligible.

  Business Response

  Date: 04/23/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******** ******.
   
  The $100 qualifying direct deposit monetary bonus that Jonathan has believed to sign up to, was offered from April 18, 2024 - September 30, 2024 and is no longer valid.
   
  For the ongoing referral bonus, please note that in order to qualify for it, the referee must use the referrer's link, and receive a qualifying direct deposit of at least $200 within 45 days of enrollment. When any of these steps is not completed, unfortunately, Chime is not able to provide the referral bonus.
   
  We thank you for the opportunity to respond to ******** Haglers complaint. If ******** Hagler continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

• Initial Complaint

  Date:04/22/2025

  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.

  Filed several claims from attached to the same situation. In short, the smaller amount such as $10.00 was approved with no hesitation but for the $100 transaction (********) chime sent an email stating they would have to use the info provided if I had nothing additional to add. The email was obviously to set the stage for denying the claim. I also have an older claim (********) that was denied due to its amount.

  Business Response

  Date: 04/28/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***** ******.
   
  Claim ID: ********
  On January 3, 2025, Larry contacted us via phone regarding 16 transactions totaling $1,035.91 which Larry stated were unauthorized. We filed a dispute and began an investigation into the matter.
   
  On January 4, 2025, we notified Larry via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  On January 5, 2025, Larry inquired about reopening the case, and an additional review was opened. 
   
  On January 8, 2025, we notified Larry via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied. 
   
  Claim ID: ********
  On April 11, 2025, Larry contacted us via phone regarding 1 transactions totaling $100.00 which Larry stated was a credit not posted. We filed a dispute and began an investigation into the matter.
   
  On April 19, 2025, we notified Larry via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  We thank you for the opportunity to respond to ***** Boldens complaint. If ***** Bolden continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/28/2025

   
  Complaint: 23234238
  
  I am rejecting this response because:
  Chimes response does not address why smaller claims are being accepted and approved but the more substantial amounts are being overcomplicated and denied. 
  Sincerely,
  
  ***** ******

  Business Response

  Date: 04/29/2025

  Thank you for giving us the opportunity to follow up on ***** Boldens BBB complaint.
   
  We understand this is not the resolution Larry was seeking, but we are confident the investigations of the claims were properly conducted and resolved.
   
  We thank you for the opportunity to respond to ***** Boldens complaint. If ***** Bolden continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/30/2025

   
  Complaint: 23234238
  
  I am rejecting this response because:
  It offers no real solution and its the same when calling.
  Sincerely,
  
  ***** ******

• Initial Complaint

  Date:04/21/2025

  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.

  On March the 3rd 2025 I sent my brother **** ****** 3-$500 transfers a total of $1,500. The reason I sent this money to my brother was so that way he could withdraw the cash to give to me to purchase a vehicle. He received the first $500 transfer. He did not receive the next two $500 transfers. I have disputed this with chime four times and they have denied me every time because they claim I know the recipient. I do not know the recipient. I have tried to find out who the recipient is. The name it shows is ********* *******. I do not know a ********* *******. Chime is stating that there is no way that my brother **** ****** received the first $500 transfer and not the next two $500 transfers. As you can see from the screenshots that I have uploaded it shows my brother **** ******** name with a c next to it that is inaccurate information. It should have been an R. This is a large amount of money. I planned to file a police report on this matter because it's theft over 500 which is a felony offense. However the supporting documents that I received from chime says I know the recipient which is not true! I used to think a lot of chime because it gives you the advances that it does. This is more than one time that chime has done something with my funds and not replaced them. I highly recommend no one to use this Bank.

  Business Response

  Date: 04/24/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ********* ********.
   
  Claim ID: ********
  On March 3, 2025, Christina called us regarding two (2) Pay Anyone transfers totaling $1,000.00 which Christina stated were transferred to the incorrect recipient. We filed a dispute and began an investigation into the matter.
   
  On March 6, 2025, Christina inquired about reopening the case, and an additional review was opened. Additionally, we requested to change the dispute reason from Transfer to Incorrect Recipient to Transfer Not Received By Recipient. As a result, the dispute reason was changed to Transfer Not Received By Recipient on March 8, 2025.
   
  On March 8, 2025, we notified Christina via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied.
   
  Between March 29, 2025 and April 12, 2025, Christina made multiple requests to reopen the investigation and additional reviews were initiated. As of our latest decision on April 21, 2025, we notified Christina via email that our decision remains that no error occurred.
   
  Claim ID: ********
  On March 30, 2025, Christina called us regarding a Pay Anyone transfer totaling $500.00 which Christina stated was transferred to the incorrect recipient. We filed a dispute and began an investigation into the matter.
   
  On April 1, 2025, we notified Christina via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  We have escalated the dispute referenced in Christina's complaint for further review. We appreciate Christina's patience at this time.
   
  We thank you for the opportunity to respond to ********* ********' complaint. If ********* Phillips continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 04/24/2025

   
  Complaint: 23233288
  
  I am rejecting this response because:
    Their response didn't resolve the issue. This is a large amount of funds that obviously wasn't received by the correct person. My brother **** ****** who was the intended recipient even wrote a written statement per Chime. I enclosed numerous SS indicated that I have no idea who ********* ******* is and that's the name Chime used for my brothers phone number on the 2nd and 3rd $500 transfer. I would even file a police report if the documents Chime provided wasn't inaccurate. Chime says I knew recipient. That's not true! 
  Sincerely,
  
  ********* ********

  Business Response

  Date: 04/29/2025

  Thank you for giving us the opportunity to follow up on ********* ********' BBB complaint.
  
  Claim ID: ********
  
  On April 25, 2025, we notified ********* via email that we reopened the claim on their behalf and determined that an error did occur. As a result, a credit in the amount of $1,000.00 was posted to their account.
  
  Claim ID: ********
  
  On April 25, 2025, we notified ********* via email that we reopened the claim on their behalf and determined that an error did occur. As a result, a credit in the amount of $500.00 was posted to their account.
  
  We thank you for the opportunity to respond to ********* ********' complaint. If ********* Phillips continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 04/29/2025

  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,
  
  ********* ********