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:04/22/2025

  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.

  filed a fraud dispute with Chime after someone took money from my account without my permission. I reported the transaction immediately and provided both a police report and a signed statement from the person who made the transaction, clearly stating that I did NOT authorize it.Despite this, Chime closed the case claiming no error occurred, which violates Regulation E, a federal consumer protection law.I have attached:The police report The signed confession/admission A screenshot of Chimes denial I have also filed with the **** and am escalating to the **** Im requesting Chime reopen the dispute, comply with federal law, and refund the money that was wrongfully taken from me.

  Business Response

  Date: 04/28/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******* *****.
  
  On February 28, 2025, ******* called us regarding a Pay Anyone transfer in the amount of $900.00 which ******* stated was unauthorized. We filed a dispute and began an investigation into the matter.
  
  On March 8, 2025, we notified ******* via email that we had completed our investigation and, based on the information available, we determined that no error occurred.
  
  Between  March 9, 2025, and March 20, 2025, ******* made multiple requests to reopen the investigation, and new reviews were opened. As of our latest decision on March  21, 2025, we concluded the investigation and, based on a review of Candises transaction history, device/login activity, account takeover indicators, and other risk-based factors, reaffirmed the determination that no error had occurred. 
  
  We can confirm Candises claim was resolved in compliance with industry regulations.
  
  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: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,
  
  ********* ********

• Initial Complaint

  Date:04/21/2025

  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.

  My chime was account was closed suddenly and my money in my account was taken. I called multiple times which I have proof of. I explained I have money in my account that I need to pay my bills with and was told the first time that I needed to submit documents proving who I am and everything else. I sent my Social Security card, birth certificate, drivers license and got no response! I called again the next day and asked when I would receive the money in my account and the young man said I needed a police report. I said why would I need a police report when you guys closed my account???? He said theres nothing more I can do. I said soooo you are just keeping my money?!? And he hung up on me! All I want is my money so I can take care of my kids and pay bills! Im so heartbroken that someone could just keep my money like this! I did absolutely everything they asked me to do and now my personal information was sent to them so if they will take my money whats to say they wont use my very private information proving who I am????

  Business Response

  Date: 04/23/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by Season Goodright.
  
  On April 3, 2025, after a complete review of Seasons account, we determined that 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.
  
  Weve escalated Seasons concerns to the appropriate department for review. We appreciate their patience at this time
  
  We thank you for the opportunity to respond to Season Goodrights complaint. If Season Goodright continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 04/23/2025

   
  Complaint: 23228133
  
  I am rejecting this response because:
    You have my personal information after I was told to submit that information. Then was hung up on by the representative. Please check the recorded phone conversations on both dates listed! Please send me my money in my account that YOU CLOSED! 
  Sincerely,
  
  Season Goodright

  Business Response

  Date: 04/24/2025

  Thank you for giving us the opportunity to follow up on Season Goodrights BBB complaint.
   
  The account was closed after it was determined that the account was not in compliance with internal policies/the member agreement executed at enrollment. To provide the safest possible banking platform for our members, sometimes holds are placed on accounts in order to keep members money and information safe while we verify the account is not being abused.
   
  Upon further review, Season's account was re-enabled, giving them full access to their Checking Account.
   
  We appreciate Season for sharing their feedback with us. We're dedicated to creating the best experience possible for all of our members and greatly appreciate Seasons input.
   
  We thank you for the opportunity to respond to Season Goodrights complaint. If Season Goodright continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

• Initial Complaint

  Date:04/19/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On March 18th I contacted Chime to open a dispute (********), my Chime builder credit card was charged $2468.36 for an cfx epass after I made a payment online on my *** website. I was advised that the dispute would take 10 - 20 business days to resolve. After the 20th business day, I contacted Chime and they had no update. So I took it upon myself to reach out to cfx epass and get info. They advised me on April 15th that a chargeback was submitted on March 26th, and they processed the chargeback - sending the money back to my bank on April 11th at 9:39 AM. I reached back out to Chime advising them of this info and asking where my money was, and their response was they had to email the dispute resolution department (because that department doesnt speak to customers) and I now have to wait 2 billing cycles or 90 days. My question was why, because it was proven that my card was fraudulently used. Chime said they have no proof. On April 19th I provided Chime with documentation I requested from Cfx epass, the 2 documents show the charge not charged to my name or address, the other document shows the approved chargeback date 4/11/25 at 9:39 AM. I called Chime to verify receipt of the documents and to see where my $2468 is and they stated that I have to wait for the investigator to do further research which can take up to 90 calendar days. I work hard for my money and Chime has no consideration for their customers in their slow process. Theres not another back or credit card that inconveniences their customers like this. They dont provide a temporary credit and there is no haste in their process to get the customer back their funds that have been PROVEN to be taken fraudulent. It is disappointing and disheartening, especially since Ive been a loyal Chime member for YEARS!

  Business Response

  Date: 04/24/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *********** ****.
  
  Please note that Chime is a financial technology company, not a bank, and accordingly Chimes partner banks, The ************, N.A. or ***********, N.A.; Members FDIC, provide their banking services
  
  On March 18, 2025, *********** contacted us via phone regarding a transaction totaling $2,468.36 which *********** stated was unauthorized. We filed a dispute and began an investigation into the matter. 
  
  As part of our dispute investigation, we filed chargebacks for eligible transaction(s). A chargeback is a request to the merchant, from Chime, to have the funds from a disputed transaction returned to the member. Merchants are able to reject chargebacks and can provide their own evidence to show that a transaction is legitimate. We will notify *********** the results of the investigation no later than May 15, 2025.
  
  Please note that temporary credit may be issued for eligible cases that cannot be resolved within the initial 10 business days. However, only disputes covered under Regulation E qualify for temporary credit. Since this transaction was made using Chrissandra's Chime Credit Builder card, it does not fall under Regulation E and is therefore not eligible for temporary credit.
  
  We appreciate *********** for sharing their feedback with us. We're dedicated to creating the best experience possible for all of our members and greatly appreciate Chrissandras input.
  
  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: 04/24/2025

   
  Complaint: 23226025
  
  I am rejecting this response because:

  Chime is yet to acknowledge that I sent in proof that the merchant accepted the chargeback and reversed that payment from that persons account. I also sent in proof that my credit card was used on an account unassociated (name & address) to me, provided by the merchant. I filed my dispute on March 18th, 3 different Chime workers advised that they didnt even initiate a chargeback until March 26th. How is that working in favor of me as your customer? I was also advised that this process would only take 10 - 20 business days (which have passed). Today when I called a supervisor told me that I have to wait 30 days from the start of when Chime initiated the chargeback, that timeframe ends on April 26th. Now Chime is telling me via the above response that I have to wait even longer for money that has been proven to have been a fraudulent charge. As a customer, I trust that ********************** would keep my money safe and like many other financial institutions, will work for their customers when issues like this occur. Also, when I found discrepancies in what a Chime Supervisor told me today (in a recorded conversation) they got distastefully rude and hung up on me. Chime needs to give me back my money that was already sent back to them on April 11th, they need to allow customers to actually speak to the dispute investigators (******* was just sued for this very issue) and Chime needs to provide a better customer experience and service. 
  
  Sincerely,
  
  *********** ****

  Business Response

  Date: 04/30/2025

  Thank you for giving us the opportunity to follow up on *********** ***** BBB complaint.
   
  The investigation is currently in process, and we are working to resolve Chrissandras case as quickly as possible. Based on the nature of the claim, we will complete the investigation no later than May 15, 2025. Chrissandra will be notified via email as soon as the investigation is completed.
   
  We understand the circumstances surrounding Chrissandras situation and we greatly appreciate Chrissandra for sharing their feedback with us.
   
  We thank you for the opportunity to respond to *********** ***** complaint. If *********** Cook continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 05/01/2025

   
  Complaint: 23226025
  
  I am rejecting this response because:

  Chime is yet to acknowledge what I said, I sent in proof that the charge was fraudulent and reversed. I am now in possession of a letter from the Merchant, their bank and **** showing the lifecycle of the fraudulent charge, giving me further proof in writing, that the merchant and their bank reversed the charge of almost $2500 - sent it back to Chime and Chime is in possession of my money. I even went as far as calling the merchant again on April 28th, they contacted their financial representative and we all called Chime. I requested to speak to the investigation team (they said, they dont talk to people) then I requested a Supervisor. We advised that this call was recorded and who was on the call and it was explained to Chime that this transaction was reversed and sent back to my account because it was deemed as fraudulent. The Supervisor stated that they have no power in this matter and just take calls and hear complaints and the person(s) that could release my money and approve my dispute were the investigation team. When asked, why the dispute needed approval when it has been found to be fraudulent by the merchant, Chimes supervisor said - that is just the process. When the Chime Supervisor was asked about Regulation Z and communication/ transparency with the customer and speed of process to benefit me the customer, the Supervisor hung up on us. This is now the 2nd time a Chime Supervisor has hung up when being asked about the process, or why customers cant talk to people handling disputes, etc. 

  I understand a dispute process, and the process is in place for situations that arent responded to. The merchant stated there is no need for any type of arbitration (as Chime stated) because the charge was reversed and sent back to my bank April 11th. Received by Chime April 17th. 
  

  I think that the BBB and EVERY person that comes across my complaint should pay attention to how Chime has communicated and responded to me in this process, typically the reference the previous calls made in and the conversation had with me they dont address me calling in except once (probably because they keep hanging up on me) and they wont acknowledge documentation Ive sent in, etc. 
  

  Chime knows they are wrong! They know this is not good customer service! I encourage everyone that has or will file a complaint to read Regulation E (for debit/ bank cards) and Regulation Z (for credit cards) hold Chime responsible for compliance. 

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

  Business Response

  Date: 05/02/2025

  Thank you for giving us the opportunity to follow up on *********** ***** BBB complaint.
   
  We understand the importance of dispute resolution. The investigation is currently in process, and we are working to resolve Chrissandras case as quickly as possible. 
   
  We will complete the investigation no later than May 15, 2025. Chrissandra will be notified via email as soon as the investigation is completed.
   
  We are committed to providing excellent customer support for our members. We greatly appreciate Chrissandra for sharing their feedback with us.
   
  We thank you for the opportunity to respond to *********** ***** complaint. If *********** Cook continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 05/04/2025

   
  Complaint: 23226025
  
  I am rejecting this response because:
  Again, Chime is not acknowledging or answering my questions or concerns as their customer. I have received the exact same automated response 3 times. So to be clear, Chime has my money, I have audit receipts from the merchant and ***** Showing that my credit card should have already received these funds back and Chime is refusing to give me my money. Wow! 

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

• Initial Complaint

  Date:04/18/2025

  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.

  Im filing this complaint against Chime Financial due to the mishandling of unauthorized transaction disputes and the abrupt closure of my account. In December 2024, I filed disputes with Chime for 114 transactions totaling $34,462.79 56 from Topper Changelly and 88 from Play Spree that posted between August 15 and November 25, 2024. I did not authorize or recognize these transactions.Chime initially opened all 114 claims but later closed them, stating they were valid. However, they failed to provide a clear explanation or evidence supporting those decisions. Some claims were approved only because the merchants issued refunds on their own, which leads me to believe Chime did not perform a proper investigation. I specifically requested documentation of their findings, and on January 13, 2025, they emailed me a PDF that included only my name and address no transaction details or investigation results. This raises serious concerns that Chime may not have even contacted the merchants involved.On December 29, 2024, I received an email that my account would be closed the next day. Chime claimed it was due to non-compliance with internal policies but did not specify how. I believe this account closure, which happened while my disputes were still open, was retaliatory and unjustified.When the account was closed, it showed a negative balance of -$500.02. I still believe I am owed refunds for unauthorized charges that were denied without due process. Ive received no legitimate investigation findings and feel my rights under Regulation E were ********** requesting a full re-investigation of the denied claims, proper documentation for each denial, a review of the account closure, and refund of all unauthorized transactions. Chime has not resolved this issue appropriately and Im seeking BBBs help to get accountability and closure.

  Business Response

  Date: 04/24/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***** ******.
  
  Between December 11, 2025 and December 14, 2025, Brian filed one-hundred forty-four (144) dispute claims for transactions that were posted to their account between December 10, 2025 and December 13, 2025. We have reviewed each claim extensively and affirm the final determinations as valid and we consider these matters closed.
  
  We understand this is not the resolution Brian was seeking, but we are confident the investigations of your claims were properly conducted and resolved.
  
  On December 21, 2024, Brian requested a copy of the documents we relied on in making our determination. 
  
  On January 13, 2025, a copy of the investigation documents Brian requested was forwarded to Brians via email.
  
  On December 30, 2024, after a complete review of Brians account, *********************** partner bank, ***********, determined that the account was not in compliance with Chimes internal policies and the account agreement provided at account opening, therefore the bank exercised its right to close the account registered to Brians in accordance with Section (I)(D)(9) titled Account Holds, Suspensions, and Closures of the Chime Deposit Account Agreement: *******************************************************************************.
  
  As Brians account was closed with a $-500.02 balance, no refund is due.
  
  We thank you for the opportunity to respond to ***** ******* complaint. If ***** Molina continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.