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:01/23/2024

  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.

  A fraudulent account was opened with Chime in my name and they refuse to tell me any details about how that happened. There were transactions happening without any information on my bank or cards. I was receiving email confirmations with my email, correct name, and previous address and no one will tell me how that information was received. The phone agent with the fraud department at the number ************** told me they can not provide any information without a police report to compel them. He said he would close the account and that's all he can do. That is not acceptable. I have no assurance that my information is safe. I never signed up and I never gave them any information. All I want to know is how they got my info and how this account in my name was orignated. It all sounds like a massive scam.

  Business Response

  Date: 01/31/2024

  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 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.
  
  Our records indicate that on January 21, ****, an application for a Chime Checking Account using Shannons 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 January 23, ****. In order to prevent further unauthorized activity, Chime additionally flagged Shannons personal information so no other accounts would be opened using Shannons 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 ******************************
  
  Additionally, if you wish to receive additional information regarding this account, we request that you provide the following to us at ********************************:
  
  Confirmation of the last 4 digits of your Social Security number, AND
  Proof of your ID theft claim, which may be a police report or a completed FTC report (available at *****************************).
  Make sure that Chime is listed as an Affected Account on the Police Report or FTC report.
  
  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:01/23/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 1/23/2024 I received a text message and email saying that an account from ********************** was created. I did not create an account with **********************. I reported it to them and they promptly closed the account. I'm filing a complaint because obviously they are negligent in their security and must improve their security practices.

  Business Response

  Date: 01/31/2024

  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 23, **** an application for a Chime Checking Account using Jasons 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 January 23, ****. In order to prevent further unauthorized activity, Chime additionally flagged ****** personal information so no other accounts would be opened using ****** 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 Jasons 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 appreciate **********;for sharing their feedback with us. We're dedicated to creating the best experience possible for all of our members and greatly appreciate ***********;input.
   
  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: 01/31/2024

   
  Complaint: 21185840
  
  I am rejecting this response because: You say that "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."

  My original complaint is that obviously your certification methods are obviously insufficient. Your approval process must become more rigorous. I understand you are not a bank, but you are able to set up banking services with banks, yet your identity verification methods have allowed a fraudulent account to be created in my name.

  Your boilerplate response is insufficient explanation of how this occurred and how it will be prevented in the future.

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

  Business Response

  Date: 02/02/2024

  Thank you for giving us the opportunity to follow up on ******************** BBB complaint.
  
  Chime flagged and closed the account on January 23, ****. In order to prevent further unauthorized activity, Chime additionally flagged ****** personal information so no other accounts would be opened using ****** information on Chimes platform.
  
  We appreciate ***** for sharing their feedback with us. We greatly appreciate ****** input.
  
  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

   
  Complaint: 21185840
  
  I am rejecting this response for the same reason I rejected the previous one. It was a boilerplate response that did not address the core issue, which is that Chime's identity authorization methods are obviously insufficient because the account should never have been created in the first place. Chime does not seem to acknowledge or accept responsibility for their insufficient identity-authorization processes.
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 02/09/2024

  Thank you for giving us the opportunity to follow up on ******************** BBB complaint.
   
  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. 
   
  Please note, 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 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: 02/09/2024

   
  Complaint: 21185840
  
  Can you tell me how this person was able to create a fraudulent account using my information?
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:01/23/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My ex-wife was court-ordered to pay me money to help pay bills for our marriage residence. She started depositing this money into Chime Financial in July ******************************************************************************* order for me to retrieve this money, I was required to open up an account with **********************. When I opened my account in August 2023 and tried to transfer money into my own verified bank account, I was prompted to 'Activate' my credit card. First, I never received this card and when I called Chime to rectify this, I was told they would send me another one. This happened two more times. On the third time, in October, asked to speak to a supervisor...this person supposedly looked into my case and said the reason I hadn't received my card is because **** returned it because my street designation of Court was abbreviate to CT. As a 63 y.o. adult, I was beside myself as CT, ST, RD, AVE, BLVD, etc., have been accepted abbreviations by **** as long as I could remember.Meanwhile, the amount that my defiant ex had been depositing had grown to $4,475. I repeated the aforementioned process a couple more times. Each time I followed the timeline of the process that would say in my account app that my card was preparing to print, printing, your card is on the way, Your card was delivered on..., etc. I even went so far as to sign up for Informed Delivery through **** that would give me daily updates on mail I would receive.Additionally, I was assured I could transfer my account balance to Paypal, Zelle, GPay, etc., without the credit card I never received...this cannot be done!Please help me with this matter as I'm at my wit's end. If I can supply you with any correspondance with this company, please let me know.i appreciate your assistance in this matter!

  Business Response

  Date: 01/31/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
  
  Our records indicate that multiple Chime **** Debit Cards were attempted to be sent to ***** via the address on file. The most recent card sent on January 23, ****, is to arrive within **** business days. 
  
  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

  Please see the attached

  Sorry I did not reply within the 5 day window after opening my last correspondance with BBB but I wanted to make sure I didn't receive my card...which I didn't! This is the 6th time and same MO from this company. On my app window, they say they're preparing, printing, mailing, to being delivered this morning my card, etc. These are all lies as these actions are all part of a timeline pattern that has happened every time. I will attach the last two screen shots of process. One says my card is on the way and the other says my card was delivered, this morning...before mail was even delivered in my neighborhood; it is precisely the same pattern the previous 5 times! I have also included a a snapshot of my mail inbox showing I've opened and read my Informed Delivery from the **** for the past 10 days; precisely as I have everytime they've 'said' they are sending my card. 

  
  I don't know what you can do at this time but my situation certainly has not been rectified. This is a disgraceful way to practice business on their side. If they would only show a sign of good faith by sending a card to me CERTIFIED by the ****...that would be a start.

  
  Thank you for your kind attention to this matter.

  
  Kind Regards,

  ***************************

  
  

  Business Response

  Date: 02/15/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***************************.
   
  Our records show that multiple Chime **** Debit Cards were attempted to be sent to ************;shipping address on file. **********;confirmed that the address is correct. USPS also confirmed on their website under Delivery Point Validation that ************;address is correctly formatted and an address that can be delivered to.
   
  On January 23, ****, another Chime Debit Card was sent to ************;address and the expected delivery was on or before February 8, ****.
   
  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:01/23/2024

  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.

  Entered by BBB staff LO Consumer states back in November she rented a car from Enterprise, they charged her card $228. She contacted Enterprise and let them know she returned the vehicle and nothing was wrong with it so they should not have charged her any additional fees. She contacted Chime and filed a complaint. It took them until 12/11/23 to let her know they would be returning the money. The consumer has never received the refund.

  Business Response

  Date: 01/31/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **************************
  
  On November 3, 2023, ***********;contacted us via phone regarding one (1) transaction amounting $228.00 which ***********;stated was unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  On November 15, 2023, as part of our dispute investigation, we filed a chargeback for eligible transaction. 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 December 12, 2023, we notified Keisha via email that we completed our investigation and based on the information available, we determined an error occurred. As a result, a credit in the amount of $228.00 was posted to ******* Credit Builder account on the same date. However, due to a duplicate credit of $228.00 posted on December 11, 2023, we debited another $228.00 from ******* Credit Builder account for correction.
  
  On December 29, 2023, Keisha requested a copy of the documents we relied on in making our determination.
  
  On January 5, ****, a copy of the documents Keisha requested was forwarded to the email on file.
  
  ******* Credit Builder account was already rectified and reflected on ******* Credit Builder statement. Statements can be accessed in the app by following these steps:
  1. Go to Settings
  2. Scroll to Documents
  3. Select Account Statements
  4. Tap Credit
  Current and past statements are always available in the app, and ****** can download or print them at any 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: 01/31/2024

   
  Complaint: 21179607
  
  I am rejecting this response because:
  As I stated in the original complaint I was told the funds were there. Upon checking I can see the adjustments. I just have yet to receive funds. When I contacted Enterprise I was told the money is due and the have not received the funds. I included the Enterprise bill in the original complaint for your review. 
  Sincerely,
  ************************;
  *************************

  Customer Answer

  Date: 02/07/2024

  chime online banking is all prepaid, in order for credit builder to work you have to load money in the account. (taken indication by BBB rep ****

  Business Response

  Date: 02/12/2024

  Thank you for giving us the opportunity to follow up on ******************** BBB complaint.
  
  After a thorough review, we can confirm that the balance on ******'s Credit Builder account is accurate. We now consider this matter closed. 
  
  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:01/23/2024

  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.

  There is a vendor who is constantly taking from my account. I have cancelled transaction with vendor multiple times and has advised Chime of this dispute multiple times. Chime advices me to change my card. I did and the vendor is now taking fromy new card after changing. Chime will not block vendor, give me my money back and held an investigation with results of me not getting my money back. Now with my new card they are still taking my money. Chime says they are disputing but I have no open disputes. Chime advised me the vendor may be taking from my new card by using a **** system to find my new card info. I trusted my financial institution to protect my funds. I cannot stop transaction with Chime, they say go thru dispute. I have went thru 3 dispute for same vendor taking from my account and I have not received any monies back After adhering to all CHIME and vendor commands. I cannot file with vendor anymore as they request my card info. I do not have that card anymore based on CHIME advising me to change cards. I do not want to provide vendor with my new card number. CHIME rep advised me the dispute center should have blocked vendor after 2nd dispute or asked if I wanted vendor blocked. No such was done. I did not opt in for Anyone to use a **** system to find my debit card info after cancelling a card. Sounds like Theft to me. I'm not sure what showing on but what am I not able to retrieve my funds u have clearly complained about multiple times. I have provided screen shot of no dispute open on my account an email say they are disputing. They are not taking the fact that my money is constantly being taken away my will.

  Business Response

  Date: 01/31/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ************************
  
  On December 19, 2023, ***** contacted us via phone regarding two transactions totaling $41.90 which ***** stated were cancelled transactions. We then opened an investigation into the matter and filed a dispute. 
  
  Between December 22, 2023 and December 23, 2023, we applied provisional credits to *****'s account for the full amount of the dispute. This credit was provided to allow Chaka with full use of the funds while we completed our investigation.
  
  On January 4, ****, we notified Chaka via email that we completed our investigation and based on the information available, we determined that no error occurred. As a result, we also notified Chaka that the provisional credits issued on December 22, 2023 and December 23, 2023 would be reversed and the account would be debited on January 11, ****. 
  
  On January 21, ****, Chaka inquired about reopening the case, and a rebuttal claim was opened.
  
  On January 24, ****, the merchant Super Star Car Wash was blocked. This is to prevent Super Star Car Wash from performing future charges on *****'s account.
  
  On January 25, ****, 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 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:01/23/2024

  Type:Delivery 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 14, ****, I initiated a $1400 transfer and on the following day January 15th, I initiated another transfer for $900; transfers at Chime takes up to 7 days and it's been 9 days now and I haven't got my money. This transfer is for bills and car repair(axle, suspension), which are dangerous when driving under it's current condition. They made me miss out on timely payment for my phone bill and perhaps my shopping items in route for delivery because of this. They are not helping me out with building credit, whatsoever.

  Business Response

  Date: 01/31/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by Elysee Sanon.
   
  Between January 14, **** and January 15, ****, Elysee initiated two external bank transfers in the amount of $1400.00 and $900.00. 
   
  Please note that external bank transfers may take up to 5 business days to complete, Monday to Friday, excluding bank holidays. 
   
  Our records confirm that the transfers should be posted on Elysee's bank account on January 23, ****.
   
  We thank you for the opportunity to respond to Elysee Sanons complaint. If Elysee Sanon continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************. 

• Initial Complaint

  Date:01/23/2024

  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.

  This company is withholding money from me and its been past 30 days and they are not following policy and they sent a email showing where my money would need to be mailed back but i havent received a check and they havent sent me my money. they did refund the momey into my acct and then closed it and refuse to give me my funds

  Business Response

  Date: 01/31/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
   
  On November 23, 2023, after a thorough review, we determined Alexus' 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.
   
  At this time, the account remains closed and is not eligible to be re-enabled.
   
  Upon receipt of ***********;complaint, we escalated to have a check for the remaining balance on Alexus Credit Builder account sent to the address on file. Once sent, please allow **** business days for the check to arrive.
   
  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: 01/31/2024

  Better Business Bureau:Yes , i will accept and this is my second time doing this but i do not want to have to continue to file complaints about my funds. as long as when i call to check on the processing of the check and its actually being done and not just noted then i will be happy and wish to not have to bother chime. Thanks for the response and if i have not received anything within **** days ill reach out to BBB
  
  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:01/22/2024

  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 tried depositing my check at like 2 o'clock today. I've been depositing my check now for a few months. Today I deposited one of my checks and they denied it due to not being able to verify it. It's literally a cash check. Now I've been dragged through the mud and had to blow a lid in order for someone to finally do something. I don't believe they will. As my bank they decided that I'mma have a live check and not be able to cash it at my bank. It's now 8pm and still being told no. I know they can do it but won't. I feel this whole bank is a scam and I just want my deposit

  Business Response

  Date: 01/31/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ************************
   
  On January 23, ****, ***** submitted a check amounting to $2,366.85 to be reviewed by our Mobile Check Deposit system.
   
  On January 25, ****, another check was submitted amounting to $859.58 for review.
   
  From January 23, **** to January 25, ****, ***** contacted ** regarding the status of their mobile check deposits. We informed ***** that both of the checks are still under review and can take up to 5 business days for the checks to post to the 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:01/22/2024

  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.

  This business has repeatedly been unreliable and unreasonable for me as an account holder. They are have allowed unauthorized transactions repeatedly. They have false alarm advertised in a row regard to the credit ?? builder and and the spot me features. After two and half years. Also three different direct deposits a month. I am still at the base amount of $50.00. Not to mention, no assistance from customer service or customer support. Via email or otherwise. I am planning to take legal action if no results come from this complaint. Enough is enough. They have violated my privacy on numerous occasions. And caused me great financial loss. They also violated my rights as according to the consumer credit and FDIC laws and regulations.Aquilla ****** Account holder

  Business Response

  Date: 01/31/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by Aquilla ******.
  
  Chime members SpotMe limits are based on account history, direct deposit frequency and amount, spending activity and other risk-based factors. ******s can always view their current SpotMe limit within the Chime app. We are unable to manually adjust SpotMe limits. 
  
  ******s can remain eligible for SpotMe by receiving a single qualifying direct deposit of at least $200 every month. Additionally, if Aquilla does not recognize any specific transactions, we advise that they report any additional unauthorized transactions on the account to us directly so we may further investigate. 
  
  We thank you for the opportunity to respond to ***************************** complaint. If Aquilla ****** continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************.

• Initial Complaint

  Date:01/22/2024

  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.

  My social security settlement , disibility, was deposited into my chime account, ********* dollars on Jan 16,2024 , and as of today i have ******* dollars, someone one from chime who said he was a manager scamed my account, gave his name badge no. and then transfered my money to his cash app, their banking partners ************ NA and *********** claim to be insured and should take precautions with Chime, I am a retired person and they stole my life , its wrong folks. I dont know which way to go or the right thing to do, it is serious when you cant eat or live, I just need some help please. thank you also .

  Business Response

  Date: 01/31/2024

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **************************
  
  Claim ID: ********
  On January 22, ****, ****** contacted us via phone regarding two (2) Pay Anyone transfers totaling $5,000.00 which ****** stated were unauthorized. We then opened an investigation into the matter and filed a dispute. Later the same day, we notified ****** via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  On January 26, ****, ****** inquired about reopening the case, and a rebuttal claim was opened. Later the same day, 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 January 22, ****, ****** contacted us via phone regarding six-hundred two (602) transactions totaling $9,952.11 which ****** stated were unauthorized. We then opened an investigation into the matter and filed a dispute. Later the same day, we notified ****** via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  On January 26, ****, ****** inquired about reopening the case, and a rebuttal claim was opened. The rebuttal investigation is currently in process, and we are working to resolve ******'s case as quickly as possible. Please note, the timeframe for the rebuttal process is 45 days and ****** will be notified via email once a final outcome has been determined.
  
  Claim ID: ********
  On January 22, ****, ****** contacted us via phone regarding one-hundred thirty-five (135) transactions totaling $4,250.59 which ****** stated were unauthorized. We then opened an investigation into the matter and filed a dispute. Later the same day, we notified ****** via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  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 ************.