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:01/27/2024

  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.

  Chime sent me a message to authorize a transaction, I declined the transaction; however Chime took it upon themselves to authorize the transaction. This has resulted in a strain on my finances and a lost of trust for this financial institution.

  Business Response

  Date: 02/02/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *******************************.
  
  On January 27, ****, a transaction from Mcafee *Www.Mcafee.com for $149.99 was successfully charged on *********'s account. 
  
  On January 28, ****, merchant credit in the amount of $149.99 posted to *********'s account. 
  
  We thank you for the opportunity to respond to *********************************** complaint. If ******************************* continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************. 

• Initial Complaint

  Date:01/27/2024

  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.

  Date: September 22nd, 2023.Paid: ***** I paid for clothes from a brand, was told that i would receive my clothes within a business month of purchase, and was ghosted by the brand multiple times. I they extended it multiple times, and I had heard stories about people who had ordered long before me who also still hadnt received clothes, and I wasnt getting a response from the brand consistently so I decided I had likely been scammed and tried to dispute the charge. I provided ample proof of me and the brands interaction, my purchase, and proof of silence from the brand when I was trying to make contact, chime denied the dispute, and now, the brand said I had filed a chargeback so they cant send my clothes, and Id need to reauthorize the payment in order to get my clothes, after the temporary credit chime gave me had been withdrawn from my account, the brand has again gone silent on me through email and instagram.My dispute ID on ******************** was #********

  Business Response

  Date: 02/02/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ********************
  
  On November 28, 2023, **** contacted us via live chat regarding one (1) transaction amounting $54.82 which **** stated as credit not posted. We then opened an investigation into the matter and filed a dispute.
  
  On November 30, 2023, we applied a provisional credit to ***** account for the full amount of the dispute. This credit was provided to allow **** with full use of the funds while we completed our investigation.
  
  On December 18, 2023, as part of our dispute investigation, we filed a chargeback. 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. Our records indicate we received evidence from the merchant regarding ****'s dispute. On January 16, ****, we concluded our investigation and determined no error occurred. **** was notified of this on the same day.
  
  On January 23, ****, the provisional credit issued on November 30, 2023 was reversed. As a result, ***** account was debited in the amount of $54.82.
  
  We have escalated the dispute referenced in ****'s complaint for further review. We appreciate Johns patience at this time.
  
  We thank you for the opportunity to respond to ********************* complaint. If ******************* continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************. 

  Customer Answer

  Date: 02/03/2024

  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.
  

  How will I know what happens in the escalation?

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

• Initial Complaint

  Date:01/26/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Someone opened an account and ordered a debit card through chime.com. I received an email stating this at 5:24 am on 12/30/2024. I called Chime to report this and they had my name, Social Security Number, and phone number on file. They had a different address on file but would not provide it to me. They closed the account which had been opened. Prior to this incident, I had credit freeze on my information through Experian, Equifax, and TransUnion. I placed a new Fraud Alert with those bureaus and filed a report with Identitytheft.gov. I also filed a police report about this letter. I asked Chime to place a block on my information to prevent an account from being opened. They said they couldn't do this. On 1/26/2023, I received a debit card from Chime in my name. After calling Chime, I learned a second Chime account was fraudulently opened in my name. I Chime closed the account. I again asked for a block to be placed using my information. I filled an additional police report about this. Chime is not taking the proper due diligence when opening accounts, and does not have proper measures in place to protect victims of identity theft. They don't appear to be taking security seriously, which is problematic.

  Business Response

  Date: 02/02/2024

  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.; ******s FDIC, provide their banking services. Chime and our ************* 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.
   
  Our records indicate that on December 30, 2023, an application for a Chime Checking Account using *****************;information was submitted through Chimes website. Applicants are required to certify that the information provided at the time of enrollment is true, and as a result the application was deemed to be authorized and the application was approved.
   
  After a reasonable investigation, Chime flagged and closed the account on December 30, 2023. In order to prevent further unauthorized activity, Chime additionally flagged Christophers personal information so no other accounts would be opened using Christophers information on Chimes platform.
   
  As further reassurance, Chime would not report any information to external credit reporting agencies in relation to the unauthorized account, and ********************** will not hold ****************;responsible for any activity on the account. Since *****************;personal information was used to open the account in question, ********************** recommends Christopher take the following precautions to monitor their identity:
  1. Review their annual credit report for any unauthorized accounts/activity
  2. Contact the major credit reporting agencies to place a freeze on their credit report
  3. File an identity theft report at ***********************************;

  We thank you for the opportunity to respond to *************************************;complaint. If ************************************;continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************.

  Customer Answer

  Date: 02/03/2024

   
  Complaint: 21206742
  
  I am rejecting this response because:
  

  The information provided by Chime is incorrect. When the account was opened on 12/30/2023, I was advised that my address was not associated with it and a debit card had been mailed to a different address that they couldn't disclose. On 1/26/2023, I received a debit card from Chime in my name. After calling Chime, I learned a second Chime account was fraudulently opened in my name, and this time my address was associated with it. According to them, that shouldn't have been possible as my information had been flagged to prevent an account from being opened in my name.

  Additionally, I find it concerning that only a certification is required to open an account. Proof of identity should be required. I have taken the proper steps to prevent identity theft and it didn't prevent a second account being opened in my name.

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

  Business Response

  Date: 02/09/2024

  Thank you for giving us the opportunity to follow up on ***************************************' BBB complaint.
  
  Please note that Chime is a financial technology company, not a bank, and accordingly Chimes partner banks, The ************* N.A. or ************ N.A.; ******s FDIC, provide their banking services. Chime and our ************* 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.
  
  Our records indicate that on April 27, 2017, and December 30, 2023, two applications for a Chime Checking Account using Christophers information were submitted through Chimes website. Applicants are required to certify that the information provided at the time of enrollment were true, and as a result the application were deemed to be authorized and the applications were approved.
  
  After a reasonable investigation, Chime flagged and closed both of the accounts. The account opened in April 2017 was closed on January 26, ****. The account opened in December 2023 was closed on December 30, 2023. In order to prevent further unauthorized activity, Chime additionally flagged ************ personal information so no other accounts would be opened using Christophers information on Chimes platform.
  
  As further reassurance, Chime would not report any information to external credit reporting agencies in relation to the unauthorized account, and ********************** will not hold *********** responsible for any activity on the account. Since ************ personal information was used to open the account in question, ********************** recommends *********** take the following precautions to monitor their identity:
  1. Review their annual credit report for any unauthorized accounts/activity
  2. Contact the major credit reporting agencies to place a freeze on their credit report
  3. File an identity theft report at ******************************
  
  We thank you for the opportunity to respond to *************************************** complaint. If *************************************** continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************.

  Customer Answer

  Date: 02/14/2024

  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:01/26/2024

  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 filed a dispute on 1/18 over a money order purchased with ***** I paid for the money order but due to a computer error they didnt give me my money order or a refund. I immediately contacted chime and filed a dispute. I was given a letter from the post office saying this was an error and I am due a refund in full. Chime is now telling me I have to wait until April ****. Were I to take this paper to my brick and mortar bank I would be refunded immediately. There is no one in chimes customer service that speaks clear English - not one. No one is willing to look at my dispute all I am told is wait. Theres no management or anyone to help resolve this matter. My advice is to anyone considering chime - dont do it. Go to a local bank or credit union. Im likely to be evicted over there lacking customer service.

  Business Response

  Date: 02/02/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **************************
   
  On January 19, 2024, Tonya contacted us via Chime App regarding one (1) transaction amounting $1,504.90 which **********;stated goods or services were not received. We then opened an investigation into the matter and filed a dispute. 
   
  On the same day, as part of our dispute investigation, we filed a chargeback. 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 understand the importance of dispute resolution. The investigation is currently in process, and we are working to resolve ************;case as quickly as possible. Based on the nature of the claim, we will complete the investigation no later than April 18, 2024. Tonya will be notified via email as soon as the investigation is completed.
   
  We thank you for the opportunity to respond to ******************* complaint. If ***********************;continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************. 

• Initial Complaint

  Date:01/26/2024

  Type:Sales and Advertising 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 December 14th, I called Chime after receiving emails and app notifications to report unknown activity to my checking account. I called to question why my savings account was closed without my consent and to dispute multiple charges on my debit card which allotted a total of $3,113.44. They refused to flag the charges as they happened and stated I could dispute them after the charges were processed. They did not freeze my account or cancel my card while I was on the phone with them. Later that evening after I got home, I called my local police department and filed a report for fraudulent charges to my debit card. The Police said my report would be available in 5-7 business days.On December 17th, I was finally able to dispute the charges and received a claim ID number for the dispute. I informed the disputes team that I would be receiving a police report in a few days, and they advised me to submit the documents as part of the investigation process. In less than 24 hours, on December 18th, I received an email from Chime that they had made a final determination regarding the claim and concluded no error occurred.As of today January 26th, ****, I have opened 5 rebuttals for the same claim and provided all documents the Chime Disputes Team has asked of me. Not once did I receive any phone calls or other forms of contact from their "Investigations Team" requesting additional information that would aid them in their so-called investigation.

  Business Response

  Date: 02/02/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
  
  On December 17, 2023, ******* contacted us via phone regarding 5 transactions totaling $3,113.44 which ************; stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  On December 18, 2023, we notified ******* via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  On December 19, 2023, ************; requested a copy of the documents we relied on in making our determination.
  
  Between December 17, 2023 and January 26, ****, ******* made multiple requests to reopen the investigation and ******* via email that our decision remains that no error occurred. As of our latest decision on January 26, ****, we notified ******* via email that our decision remains that no error occurred.
  
  On January 26, ****, a copy of the documents ******* requested was forwarded to the email on file.
  
  We have escalated the dispute referenced in ******** complaint for further review. We appreciate ******** patience at this time.
  
  We thank you for the opportunity to respond to ******** complaint. If ******* continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************. 

  Customer Answer

  Date: 02/06/2024

   
  Complaint: 21204372
  
  I am rejecting this response because: Chime's statement has some discrepancies I would like to point out. The first being December 14th was the date I first contacted Chime regarding the closure of my savings account and the charges. Second, I don't believe any type of investigation was preformed based off the QUICK (LESS THAN 24 HOUR) determination of my claim. On December 19th I never received the docs I requested and when I finally did on January 26th all I was given was the police report and time card swipe information I provided and the 'Intake Form' of my claim, there were no details of an investigation and there was no explanation/reasoning for their final determination, which I requested over the phone and never received in writing. As for Chime having "escalated" my dispute I'm not sure what that means because while they told me that over the phone when I requested to reopen my claim noting has come of it, Chime still closed my claim each time in less that 24 hours.

  I have attached my call log with Chime, that includes all the dates and times. I have also attached the multiple emails I received from Chime of them notifying me of their final determinations each time they closed my claim in less that 24 hours. 
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 02/09/2024

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

  Customer Answer

  Date: 02/13/2024

   
  Complaint: 21204372
  
  I am rejecting this response because: According to Chime's previous response they escalated my claim. I would also like to make them aware that I sent messages via LinkedIn to ************************, ***********************, ***********************, and ********************************* regarding the my current claim, my disappointment and ongoing experience with the 'Disputes Team'. ******* responded back and said she would have "the executive support team to review." Chimes conclusion that no error occurred resulting in the closing of my dispute is completely incorrect, and frankly illegal. Chimes decision has no basis at all and the documentation that Chime eventually provided to me regarding its dispute determination was simply copies of the documentation that I had provided to Chime. They have still not given me any information regarding the "investigation" the preformed. 
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 02/16/2024

  Thank you for giving us the opportunity to follow up on **************;BBB complaint.
   
  On February 14, ****, ************;inquired about reopening the case, and a rebuttal claim was opened.
   
  On February 15, ****, we notified Sabrina via email that we reopened the claim based on the additional information provided and determined that an error did occur. As a result, a credit in the amount of $3,113.44 was posted to **************;account on the same day.
   
  We thank you for the opportunity to respond to **************;complaint. If ************;continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************. 

  Customer Answer

  Date: 02/20/2024

  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.

  I will no longer be doing business with Chime back due to their blatant disregard to handing my complaint and my accounts will be closed. 
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:01/26/2024

  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.

  Hello, It's been 3 weeks since you chime approved a dispute for the total amount of $64.95. chime gave a provision credit of $64.95 on january 4th ****. My dispute was approved january 11th. Also on january 11th ****, you guys also took back your temporary credit of $64.95. on january 15th I received a REFUND from the MERCHANT of $64.95. on january 16th Chime went back into my account and took ANOTHER $64.95. So on january 11th and january 16th **** two credits were debited from my account after approval and when I recieved my refund.

  Business Response

  Date: 02/02/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ********************
  
  On January 3, ****, ***** contacted us via Live Chat regarding one (1) transaction totaling $64.95 which ***** stated was canceled. We then opened an investigation into the matter and filed a dispute. 
  
  On January 4, ****, we applied a provisional credit to Marias account for the full amount of the dispute. This credit was provided to allow ***** with full use of the funds while we completed our investigation.
  
  On January 11, ****, we notified ***** via email that we completed our investigation and based on the information available, we determined an error occurred. 
  
  We have escalated the dispute referenced in *****'s complaint for further review. We appreciate ****** patience at this time. 
  
  We thank you for the opportunity to respond to ********************* complaint. If ******************* continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************. 

  Customer Answer

  Date: 02/02/2024

   
  Complaint: 21204371
  
  I am rejecting this response because: On january 11th ****, you guys took back your temporary credit of $64.95. on january 15th I received a REFUND from MERCHANT of $64.95. on january 16th Chime went back into my account and took ANOTHER $64.95. So on january 11th and january 16th **** two credits were debited from my account after approval and when I recieved my refund. It has been 4 weeks and i called the phone number ************ and escalated this issue with 6 supvisors and over 30 regular reps that have gave me the run around. They stated that it would take ***** hours to clear the error and it has once again been 4 weeks that i havent gotten my funds back. up above are days of phone calls if more files are needed i do have documentation. 
  
  Sincerely,
  
  *******************

  Business Response

  Date: 02/08/2024

  Thank you for giving us the opportunity to follow up on ********************* BBB complaint.
  
  Upon further review, the appropriate credit in the amount of $64.95 was posted to Marias account on February 6, 2024.
  
  We thank you for the opportunity to respond to ********************* complaint. If ******************* continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************.

• Initial Complaint

  Date:01/26/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I filed a complaint with BBB on 1/16/2024 against Klarna the amount of ****** because ****** said that they gave a chargeback to Chime. When I called Chime to inquire about the chargeback, they said they never received it. Once BBB did, they investigation and it was proven to BBB that the chargeback went back to Chime. I called Chime back today to inquire about the ****** refund and they continue to tell me that they never received the payment after I told them multiple times that BBB has proof that you guys did receive the charge back. they continued to tell that this was a lie and they never received it. I just want my refund I been going back and forth with ****** and Chime for the last month about this refund and I keep getting the run arounds I just want my refund. complaint number from BBB which is part of this complaint and the evidence is uploaded to this complaint. #********

  Business Response

  Date: 02/02/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ************************
  
  On December 30, 2023, ****** filed a dispute via Chime mobile app regarding one transaction totaling $162.38 which ****** stated was non receipt of goods or services. We then opened an investigation into the matter and filed a dispute.
  
  On December 31, 2023, as part of our dispute investigation, we filed chargebacks for eligible transactions. 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. On January 02, ****, ***********;requested to cancel the claim. As a result, we notified ****** on the same day that their claim was successfully canceled.
  
  Between January 15, **** and January 16, ****, ****** made multiple requests to reopen the investigation and rebuttals were initiated. As of our latest decision on January 17, ****, we notified ****** via email that our decision remains that no error occurred.
  
  We have escalated the dispute referenced in ******'s complaint for further review. We appreciate **************** at this time.
  
  We thank you for the opportunity to respond to ******************* complaint. If *********************** continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************. 

• Initial Complaint

  Date:01/26/2024

  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 January 18th I received an email welcoming me to Chime and then on the 19th an email saying that a **** Debit card was sent out in the mail. I did not authorize any accounts to be opened with Chime nor have I responded to any of their emails or texts since then. I am letting the BBB know that I am one of the hundreds of victims of this same activity. They appear to be opening accounts on their own with information they either bought or found online. I also refuse to call them and be subjected to more harassment as has everyone else who called to try and cancel their accounts. They will only ask for even more information including the last 4 of the social. This practice of fraudulently setting up accounts has to stop and I demand any alleged accounts in my name be shut down immediately and to stop harassing me.

  Business Response

  Date: 02/02/2024

  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.; ******s FDIC, provide their banking services. Chime and our ************* 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.
  
  Our records indicate that on January 18, ****, an application for a Chime Checking Account using Ronalds information was submitted through Chimes website. Applicants are required to certify that the information provided at the time of enrollment is true, and as a result the application was deemed to be authorized and the application was approved.
  
  After a reasonable investigation, Chime flagged and closed the account on February 2, ****. In order to prevent further unauthorized activity, Chime additionally flagged ******'s personal information so no other accounts would be opened using Ronalds information on Chimes platform.
  
  As further reassurance, Chime would not report any information to external credit reporting agencies in relation to the unauthorized account, and ********************** will not hold ****** responsible for any activity on the account. Since ******* personal information was used to open the account in question, ********************** recommends ****** take the following precautions to monitor their identity:
  
  Review their annual credit report for any unauthorized accounts/activity
  Contact the major credit reporting agencies to place a freeze on their credit report
  File an identity theft report at ******************************
  
  We thank you for the opportunity to respond to ********************** complaint. If ***************************** continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************. 

  Customer Answer

  Date: 02/03/2024

  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:01/26/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had an account with **********************. On January 19, **** there was a problem with my paycheck being direct deposited into my account. This was an issue with the bank my employer uses and affected other businesses as well. The way the bank attempted to correct the problem of my paycheck not being deposited into my account on my payday seems to have triggered a fraud alert for Chime and they informed me that my account was closed and I would not receive a refund of any funds I had in my account at that time. I have called and emailed to attempt to explain what had happened and to ask if I could at least be refunded the money in my account. I have been told, "After a recent review of your account, we've found that it does not comply with the terms of the Deposit Account Agreement. Your account has been closed by Chime and is not eligible for a refund. For more information, please review the Amendment and Cancellation section of the Chime Deposit Account Agreement." I have reviewed the agreement and it has clarified nothing. I have submitted a letter from ********************* explaining what happened and that was not even acknowledged. Chime will not even tell me what the balance of my account was when they closed it or how much money was returned to *********************, I have been told by ********************* that they received the $500 overpayment that was deposited into my account. I believe there was $140.46 remaining in my account that I am owed, Chime will not tell me if I need to collect those funds from ********************* or if they are deciding to keep what remains of my paycheck. I do have a letter from ********************* that I have submitted to Chime and can resubmit if necessary. I cannot upload it from the computer I am on right now but will do so if necessary.

  Business Response

  Date: 02/02/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **************************
  
  On January 23, ****, after a thorough review, we determined ******'s 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.
  
  We have escalated ******'s complaint to the appropriate department for further review. We appreciate ******'s patience at this time. 
  
  We thank you for the opportunity to respond to ******************** complaint. If ************************* continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************. 

  Customer Answer

  Date: 02/05/2024

  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. Chime contacted me by email to verify my physical address so that my refund check can be mailed to me. 
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:01/26/2024

  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 January 18th, **** I contacted chime to let them know I had been scammed out of ****** and requested to dispute the transactions. I informed the dispute team that I had tried to resolve the matter with **** App and the merchant that scammed me, but **** app didn't comply and the merchant denied my request to be refunded. After my call with the Chime representative, my debit card was closed, a new one sent and dispute filed Dispute#******** The very next day Chime sent me notification that my dispute had been investigated and the conclusion was that no errors took place on my account and no resolution but my new card would arrive soon. Chime never had time to investigate, they couldn't have. I was scammed out of ****** over several transactions and I've been with Chime for a long time.

  Business Response

  Date: 02/02/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **********************************
   
  On January 18, 2024, ***************;contacted us via phone regarding six (6) transactions totaling $235.00 which ***************;stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On the same date, we notified ***************;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 ****************;complaint. If ********************************;continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************. 

  Customer Answer

  Date: 02/02/2024

   
  Complaint: 21203443
  
  I am rejecting this response because: nothing has been resolved nor an attempt to resolve anything. I've been with chime and trusted them with my money for 3+ years. It says alot about their ethical standards and compassion towards their customers. The outcome of this will determine whether my family/friends and I will continue to use their services. 
  
  Sincerely,
  
  *********************************

  Business Response

  Date: 02/08/2024

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

  Customer Answer

  Date: 02/08/2024

   
  Complaint: 21203443
  
  I am rejecting this response because: Chime is responsible for protecting people's money, it is unethical the way they are claiming an investigation was had.  Not even a couple hours passed for them to even begin to look into where my funds could have went.  This is why financial institutions such as Chime, go out of business after a few years.  I will do everything in my power for the next year to make sure Chime is not used by friends and family and so forth.  I fully intend to look into a class action lawsuit because of this.  If they can't give a loyal customer such as I the proper credit and investigation that they are suppose to they do NOT deserve the business.  
  
  Sincerely,
  
  *********************************