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:04/15/2025

  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.

  When I was a minor/under 18, a family member unfortunately opened a Chime account under my name and used the wrong DOB. My actual DOB is **********. I have had issues ever since Ive turned 18 due to my family members actions. I just tried to sign up for a Chime account, and I am getting an error that an account is unable to be opened for me at this time and **************** agents are unable to give me any additional information. Is there anyway to get this resolved? I dont think I should be blocked from using Chimes services due to my family members actions.

  Business Response

  Date: 04/18/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **** *****.
   
  Chime Checking Accounts can be opened online or via the Chime mobile app. Our website is the most popular way to enroll. Enrollees may apply via a friend's referral link, paid advertisements, promo code links, or by accepting a Pay Anyone payment and claiming it through Chime. Applicants will be able to sign up for a Chime Checking Account as long as basic qualifications are met.
   
  If Nick is unable to open a Chime checking account, it could be due to a number of reasons:
   
  The personal information youve provided is not correct. Please double-check your name, email address, phone number, social security number, and any other relevant information to ensure there are no errors.
  At the moment, the only people eligible to create a Chime account are **** citizens or permanent residents, who are 18 years of age or older. If you live outside of the **** or do not meet the age requirement, you will not be able to open an account with **********************.
  In some cases, there may be an error caused by Chimes information verification system. If youve ensured your personal information is correct and youre eligible for a Chime account, but you are still unable to open an account with us, please contact the phone number below.
  Ensure that you have not signed up for a Chime Checking Account before.

  If Nick has signed up for a Chime Checking Account before, Nick will not be able to open another Chime account.
   
  Each Chime account is tied to a members personal information. At this time, were not able to change account numbers or create new account numbers once theyre tied to your personal information.
   
  We thank you for the opportunity to respond to **** ***** complaint. If **** Banks continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.
  

  Customer Answer

  Date: 04/18/2025

   
  Complaint: 23208700
  
  I am rejecting this response because:

  As I mentioned, a family member fraudulently opened an account under my name with the incorrect DOB, when I was a minor. So, I assume that would be the reason why I'm unable to sign up. There is nothing that can be done for me to be able to sign up since the old account was not opened by me?

  Sincerely,
  **** *****

  Business Response

  Date: 04/25/2025

  Thank you for giving us the opportunity to follow up on **** ***** BBB complaint.
  
  We appreciate the circumstances surrounding  ***** situation. However, If **** has signed up for a Chime Checking Account before, **** will not be able to open another Chime account.
  
  We thank you for the opportunity to respond to **** ***** complaint. If **** Banks continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/28/2025

   
  Complaint: 23208700
  
  I am rejecting this response because:

  As I mentioned previously, I was not the one who opened up an account before. It was fraudulent and opened up by a family member when I was a minor. 
  

  So, what is the solution for that? Chimes response is based off of if I opened the account myself. There should be a separate process for fraud, especially if I was a minor when the account was established.

  Sincerely,
  **** *****

• Initial Complaint

  Date:04/15/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had my wallet stolen . I reported to chime that i had a total of ******** taken from my account. They stated to me on April 13, 2025 that i would receive my full amount back and also a new card. On April 15, 2025 they send me a email stating that i would not be receiving a refund. They sent me text messages to block the transactions , in which, i was replying no that was not me and to block the transactions and they proceeded to take the funds even with me replying no.

  Business Response

  Date: 04/18/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******** ******.
  
  On April 3, 2025, Shatavia called us regarding forty-six (46) transactions totaling $1,530.77 which Shatavia stated were unauthorized. We filed a dispute and began an investigation into the matter.
  
  We sent a new Chime Debit card on April 15, 2025 to the address Shatavia had registered on their Chime account. The expected delivery date is on or before April 29, 2025.
  
  On April 15, 2025, we notified Shatavia via email that we completed our investigation and based on the information available, we determined that no error occurred. As a result, on the same date, Shatavia inquired about reopening the case, and an additional review was opened.
  
  The investigation is currently in process, and we are working to resolve Shatavia's case as quickly as possible. Shatavia will receive an update regarding their dispute no later than April 29, 2025.
  
  If members are eligible and we havent made a final determination on a claim, well apply the temporary credit to the account by the end of the tenth business day (up to 20th business day for new accounts) from the date the dispute was filed. For more information about temporary credits, please see our website: *****************************************************************************************************;
  
  We appreciate Shatavia for sharing their feedback with us. We're dedicated to creating the best experience possible for all of our members and greatly appreciate Shatavia's input.
  
  We thank you for the opportunity to respond to ******** Thorne's complaint. If ******** Thorne continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 04/18/2025

   
  Complaint: 23207025
  
  I am rejecting this response because: they informed me that I would get a refund on April 17. I sent in police reports and every thing so that I can get my money back .
  
  Sincerely,
  
  ******** ******

  Business Response

  Date: 04/22/2025

  Thank you for giving us the opportunity to follow up on ******** Thorne's BBB complaint.
   
  On April 21, 2025, we notified Shatavia 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 understand this is not the resolution Shatavia 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 ******** Thorne's complaint. If ******** Thorne continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/22/2025

   
  Complaint: 23207025
  
  I am rejecting this response because:someone stole my card and the person who stole us was arrested on yesterdayl. I sent it police reports and all and they are not trying to refund me my money.
  
  Sincerely,
  
  ******** ******

• Initial Complaint

  Date:04/15/2025

  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.

  Closed my accounts said I was dead

  Business Response

  Date: 04/22/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******* **********.
   
  On February 28, 2025, Chimes partner bank, The ************, forwarded us a list of Chime deceased cardholders and the member's account was included on the list. As a result, the account was closed on March 3, 2025.
   
  Between March 3, 2025 and April 17, 2025, Richard called us and advised that the account registered to them was incorrectly closed.
   
  Between March 3, 2025 and April 11, 2025, we sent Richard multiple emails with the steps needed to reopen their Chime account.
   
  Please note that we will notify the member once the document is reviewed and accepted by Chime's bank partner.
   
  We thank you for the opportunity to respond to ******* Scheneckers complaint. If ******* Schenecker continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

• Initial Complaint

  Date:04/15/2025

  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.

  *** had a chime account for 10 years, I got notice today saying chime is closing my account for not being in compliance. Though Ive done nothing to break the rules in their user agreement which *** read thoroughly. Chime will not give me a reason for why they are closing my account. I called their customer support and they said they dont have a specific reason for me to just read the user agreement and figure it out myself. After a decade as a loyal customer this is a spit in the face.

  Business Response

  Date: 04/17/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******* *****.
   
  After a complete review of Brandon's account, **********************'s partner bank, The ************, N.A., 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 schedule the closure of the account on May 15, 2025 registered to Brandon in accordance with Section (I)(C)(9) titled Account Holds, Suspensions, and Closures of the Chime Deposit Account Agreement: ********************************************************************************.
   
  We thank you for the opportunity to respond to ******* ****** complaint. If ******* Logan continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

• Initial Complaint

  Date:04/14/2025

  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.

  1.) Mar 2, 2025 Transfer to ****** ****** $100 I sent $100 to the wrong ****** ******. The person I was attempting to send money to has the same name, but no chime account. He thought he remembered setting one up and assumed that was his chime account. I have reached out to the chime account holder, ****** ****** several times, and he refuses to return my money. I have been on the phone with Chime about this dispute for at least 2 hours total, and they even forced me to wait 10 days on an answer.I feel the "****** ******" who owns the chime account is the most responsible for the escalation of this dispute. I reached out to him before I reached out to anyone. He thinks it's a funny joke. 2.) Chime Financial disputed a charge on March 6, 2025 from a bar that I frequent, Bar@548, for the amount of $54.65 which they were refunded by Bar@548, and my account was not refunded. Which means I had to pay my tab once on my Chime card, and again in cash to my favorite bar, because the owner has befriended **** have not continued using my Chime account except for requesting my $100 repeatedly from ****** ****** who thinks this is all a big joke.I have well overpaid for my mistakes.Chime Financial is benefiting from them.

  Business Response

  Date: 04/16/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****** ****.
  
  On March 6, 2025, Trevor called us regarding one (1) Pay Anyone transfer amounting $100.00 which Trevor stated was the intended recipient did not receive. We filed a dispute and began an investigation into the matter. 
  
  On March 7, 2025, we notified Trevor via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  On April 2, 2025, Trevor requested a copy of the documents we relied on in making our determination. On April 10, 2025, a copy of the documents Trevor requested was forwarded to the email on file.
  
  We are unable to cancel or refund the transfer Traevor initiated once it has been processed to the designated recipient. We understand this is not the resolution they were seeking, but we are confident that the investigation of your claim was properly conducted and resolved.
  
  We have conducted a reasonable investigation of Trevor's account and were unable to identify any account discrepancies. If Trevor experiences any fraudulent activity on their account, or if they have any further concerns, we advise that Trevor call us at ************ and specifically identify any concerns or unauthorized activity including the merchants name, the amount, and the transaction date.
  
  We thank you for the opportunity to respond to ****** ***** complaint. If ****** Ware continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/17/2025

   
  Complaint: 23204837
  
  I am rejecting this response because:

  The ****** ****** that received the money should be held accountable for not sending it back, and/or there should be a way to cancel a payment of this nature for up to 3 days at least.
  
  Sincerely,
  
  ****** ****

  Business Response

  Date: 04/17/2025

  Thank you for giving us the opportunity to follow up on ****** ***** BBB complaint.
   
  We appreciate the circumstances surrounding Trevors situation. We understand that Trevor would like a different outcome for their dispute claim. However, we are confident that the investigation of the claim was correctly decisioned. We now consider this matter resolved.
   
  We thank you for the opportunity to respond to ****** ***** complaint. If ****** Ware continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

• Initial Complaint

  Date:04/14/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I made a purchase with sneaker store ** and I bought the sneaker back in February 5th. They **st ****** and I was talking to the seller through whats app . They told me they were going to send me the sneakers. They never did I have proof of the **nversation. When I felt like I was being scammed I **ntacted Chime bank to inform them made a dispute sent all proper documents and showed them proof and was denied my ****** and they can not even tell me why they denied my claim. I called back again and they asked for more proof this time I sent a receipt of what I paid online. They told me it can take up to 1 month. I just want my money back because I never received the product which was the sneakers and I dont see chime helping me out

  Business Response

  Date: 04/21/2025

   Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******** *********.
  
  On March 24, 2025, Cristina contacted us via phone regarding one (1) transaction totaling $333.24 which Cristina stated good or services was not received. We filed a dispute and began an investigation into the matter. 
  
  On April 11, 2025, we notified Cristina via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  On April 14, 2025, ******** inquired about reopening the case, and an additional review was opened. 
  
  The additional review is currently in process, and we are working to resolve ********** case as quickly as possible. Please note, the timeframe for the review process is 45 days and Cristina will be notified via email once a final outcome has been determined.
  
  We have escalated the dispute referenced in ********** complaint for further review. We appreciate their patience at this time.
  
  We thank you for the opportunity to respond to ******** Delgrossos complaint. If ******** ********* continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 04/23/2025

   
  Complaint: 23203886
  
  I am rejecting this response because:
  
  Sincerely,
  
  ******** *********

• Initial Complaint

  Date:04/14/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally notify Chime of my intent to initiate legal action due to the withholding of funds in the amount of $10,189.60, associated with fraud charges on my Chime account on October 14, 2024, originating from FanDuel Sportsbook.Upon discovering these unauthorized charges, I immediately filed a dispute in accordance with Chimes procedures. Rather than resolving the dispute, my account was abruptly closed without a clear explanation. Following this, I was informed that the dispute was denied and the funds would not be returned. Despite that decision, ******* has also confirmed that they never received the funds, and I have not received the money either raising serious questions as to where these funds currently are.If Chime denied the dispute and did not return the funds to me, then logically, the funds should have been released back to the merchant. The fact that neither party received the funds points to either mismanagement or wrongful withholding of my money. I have attempted to resolve this issue in good faith, but to date, there has been no accountability or transparency.Therefore, unless I receive a clear accounting and full resolution of the missing funds within ten (10) business days of this letter, I will proceed with legal action to recover the $10,189.60, in addition to any related damages, legal fees, and court costs.

  Business Response

  Date: 04/17/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******** *****.
   
  On October 15, 2024, Terrence contacted us via phone regarding 9 transactions totaling $10,190.00 which Terrence stated were unauthorized. We filed a dispute and began an investigation into the matter. 
   
  On October 29, 2024, we notified Terrence via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  On November 4, 2024, Terrence inquired about reopening the case, and an additional review was opened. 
   
  On November 13, 2024, we notified Terrence via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied. 
   
  On October 17, 2024, after a complete review of Terrence's account, **********************'s partner bank, The ************, N.A., 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 Terrence in accordance with Section (I)(C)(9) titled Account Holds, Suspensions, and Closures of the Chime Deposit Account Agreement: ********************************************************************************.
   
  We thank you for the opportunity to respond to ******** Bradys complaint. If ******** Brady continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 
   

  Customer Answer

  Date: 04/18/2025

   
  Complaint: 23202389
  
  I am rejecting this response because: The closing of the account IS NOT THE ISSUE I am writing to clarify an issue involving a deposit made to my FanDuel account that is currently being marked as unpaid, potentially affecting my credit.
  
  
  The original transaction was not processed by Chime because I had disputed the charge at the time. Once the dispute was resolved and it was determined that I would not be refunded, the expectation was that the funds would then be processed and sent through to FanDuel as originally intended.
  
  
  Unfortunately, that never happened Chime did not process the deposit after the dispute resolution. As a result, FanDuel is showing the amount as unpaid, and I am now being held responsible for a balance that should have already been covered. This is now threatening to negatively impact my credit, which is both unfair and concerning, as the delay was not due to any action on my part.
  
  
  SO CHIME IS KEEPING THE MONEY CAUSE WHERE DID THE MONEY GO WHERE IS THE MONEY JUST ANSWER THAT QUESTION WHERE IS THE MONEY CAUSE FANDUEL SAYS I OWE THEM THAT AMOUNT 
  
  
  

  Business Response

  Date: 04/22/2025

  Thank you for giving us the opportunity to follow up on ******** Bradys BBB complaint.
   
  Please note, Chime cannot file a dispute for transaction that were not settled on the account. Based on our records, the funds were successfully charged on the account. We recommend ******** to reach out to the merchant for more information about the issue. 
   
  We understand this is not the resolution Terrence 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 ******** Bradys complaint. If ******** Brady continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

• Initial Complaint

  Date:04/14/2025

  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.

  On April 11, I disputed transactions online and was denied and redirected because the transaction was still in pending.I contacted Chime Financial, Inc. customer service and spoke to the representative ******. ****** was speaking fast and confused my train of thought. She deactivated both of my banking account cards at the same time. I told her that this would leave me without access to funds (ATM transactions) and to reactivate one of the cards. She refused to do so because of the banking system. I requested to speak with a manager. ****** left me hold for 20 minutes. I called Chime again and finally spoke to a supervisor who also left me on hold for 10 minutes.I called again and spoke to a supervisor named ***** who stated she would expedite a bank card to me in 3-5 days; due to, ****** deactivating both cards without my permission and didn't explain the process. As I stated numerous times, only one card needed to be deactivated because the transactions were still pending and could have dropped off the account. I would have the leeway time to report the second card. On April 12, I received an email from Chime Financial, Inc. stating that one of the bank cards would be delivered to me in 2 weeks. I called Chime to confirm the card will be expired for 3-5 days. I spoke customer service **** ****** again who put me on hold for 30 minutes when I asked to speak to a supervisor. I finally spoke to a supervisor named, ****, who said that a card couldn't be expedited. I asked to speak to a manager, and **** refused to transfer me to a manager and give me a name and telephone number of a manager who has authority to expedite a bank card to **** was so frustrated, confused, and upset that I did use profanity. I apologize for my behavior, but I was provoked. The representatives had no customer care and no knowledge nor access to someone with authority.

  Business Response

  Date: 04/18/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******* *****.
  
  In order to secure our member's account and prevent further fraudulent transactions from occurring, It's important to replace the current cards with a new one. This helps make sure that no one else has access to our member's funds but them.
  
  While ******* is waiting for the card to arrive, they can still make purchases using their virtual card right from the Chime app. They can use it online or link it to their digital wallet, like Apple Pay, ****** Pay, or Android Pay. We send all our cards via **** First Class, and they usually arrive within *************************************** a bright green envelope. Express shipping is not yet available to all our members as this still depends with our delivery partner.
  
  Here's how to access your virtual card through the Chime app: Tap Profile on the home screen. Tap Cards. Select the card you want to access (debit or credit)
  
  We thank you for the opportunity to respond to ******* Greens complaint. If ******* Green continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

• Initial Complaint

  Date:04/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I joined chime a few years ago when in the military. It was easier. Now that Im out and finding an apt in **, they helped a luxury apartment complex scam me out of a $500 deposit. They denied my application and never send me the money back. Chime denied my claim 4 times even with proof. And when I closed down my account, my credit score went down saying I owed $16 on my credit builder card. However, that card is only attached to the debit amount. Both were at 0 when I closed them. On top of everything, when I called back they had all my information associated with my account as if I still had one. They are still using my info and doing things without me. Its so violating.

  Business Response

  Date: 04/16/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******* *****.
  
  On January 25, 2025, Caitlyn called us regarding one (1) transaction amounting $556.00 which Caitlyn stated was credit was not received. We filed a dispute and began an investigation into the matter. 
  
  On February 7, 2025, we applied a provisional credit to Caitlyns account for the full amount of the dispute. This credit was provided to allow Caitlyn with full use of the funds while we completed our investigation.
  
  On February 8, 2025, we notified Caitlyn 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 Caitlyn that the provisional credit issued on February 7, 2025 would be reversed and the account would be debited on February 14, 2025. 
  
  Between February 14, 2025 and March 15, 2025, Caitlyn made multiple requests to reopen the investigation and additional reviews were initiated. On February 20, 2025, we changed the dispute reason from Credit Not Posted to Non-Receipt of Goods or Services based on the information available for the investigation. As of our latest decision on March 31, 2025, we notified Caitlyn via email that our decision remains that no error occurred.
  
  On April 8, 2025, Caitlyn notified us they would like their Chime Checking and Credit Builder Accounts closed. That same day, the accounts were closed per Caitlyn's request. 
  
  Chime reports information accurately to the three major credit bureaus. Our records further indicate Caitlyns account is being reported accurately. To remain fair and impartial to all our members, we are unable to modify our credit reporting procedure.
  
  For information about Chimes Privacy Policy, please visit our website at: ***************************************************************************************;
  
  We thank you for the opportunity to respond to Caitlyn Rouses complaint. If Caitlyn Rouse continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/17/2025

   
  Complaint: 23195182
  
  I am rejecting this response because:

  You did not give me a reason why you denied my claim. You never did. I provided you evidence that the apartment promised a deposit refund, after they denied me over the phone one day after and they never gave it. You helped an apt complex scam me over and over, so then I wanted to close my account. My account was closed both with zero dollars, there should be no credit report showing I owe $16. Further, your false advertising for your credit builder card is fraud. You told me over the phone its not a credit card it wont affect my score, and immediately it did. Stop lying to people. And change my score because I owe you nothing.

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

  Business Response

  Date: 04/21/2025

  Thank you for giving us the opportunity to follow up on Caitlyn Rouses BBB complaint.
   
  On February 14, 2025, Caitlyn requested a copy of the documents we relied on in making our determination. On February 16, 2025, a copy of the documents Caitlyn requested was forwarded to the email on file.
   
  We understand this is not the resolution Caitlyn was seeking, but we are confident the investigations of the claims were properly conducted and resolved.
   
  Our records further indicate Caitlyns account is being reported accurately. To remain fair and impartial to all our members, we are unable to modify our credit reporting procedure.
   
  We thank you for the opportunity to respond to Caitlyn Rouses complaint. If Caitlyn Rouse continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/21/2025

   
  Complaint: 23195182
  
  I am rejecting this response because:
   Your fancy speak to avoid answering questions doesnt work on me. Is your credit builder card a credit hard? Explain to everyone here how it should work. Also, your word as a business is based on proof and evidence. You did not reply to me with proof of the work you did in investigating my case. You did not investigate it at all. I gave you proof, and you ignored it. Show me proof of you researching the apt complex who scammed me. Its not just a service that YOU provide, its your job as a business to make sure your customers arent being harmed because of your mistakes. You dont care about what harm comes to anyone, so you dont care about the credit. You reported it wrong because I closed out the account owing you nothing, yet it says I still do. Thats on YOU. Want to help people, stop sitting on your ceo high horses saying its policy, oh I cant get involved, when its YOUR mistake you can fix.
  Sincerely,
  
  ******* *****

  Business Response

  Date: 04/23/2025

  Thank you for giving us the opportunity to follow up on Caitlyn Rouses BBB complaint.
   
  The Credit Builder program consists of two elements: the Secured Account and the Credit Builder Card. When funds are added from the Checking Account to the Secured account, this money is held as the total limit available in the Credit Builder.
   
  When Caitlyn makes transactions with their Credit Builder Card, the money spent is not the one in the Secured account, but money credited by Chime. When the end of the billing cycle is reached, and if the automatic payments are enabled, the funds are taken from the Secured account to cover the total amount spent on the period. If you disable it, Caitlyn can pay their monthly charges off using ACH or by manually moving the money from the secured account to their card. Keep in mind that the safer Credit Building feature was designed to automatically pay Caitlyns bill before the due date. If the balance due is not paid, we may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on Caitlyns account may be reflected on their credit report.
   
  Chime reports information accurately to the three major credit bureaus. Our records further indicate Caitlyns account is being reported accurately. To remain fair and impartial to all our members, we are unable to modify our credit reporting procedure.
   
  We understand that Caitlyn would like a different outcome for their dispute claim. However, we are confident that the investigation of the claim was correctly decisioned. We now consider this matter resolved.
   
  We thank you for the opportunity to respond to Caitlyn Rouses complaint. If Caitlyn Rouse continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/23/2025

   
  Complaint: 23195182
  
  I am rejecting this response because:

  you did explain perfectly, which actually backs me up because if it can only pull from my checking and I closed out both my accounts on zero, then why is it reporting I owe $16? Answer that please? What I know happened is weeks before I closed my account, I had moved that amount. You reported from that time, so why is it not updated? Im good with yall right? I dont owe you anything? I closed my accounts on zero? You havent send me any follow up to me owing anything else, so next please explain why it showed up as $16 and why you havent updated from when my account was closed. You truly tru and trap people, and thats what you did here. 
  
  Sincerely,
  
  ******* *****

• Initial Complaint

  Date:04/14/2025

  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 Friday, April 11, 2025 at 10:11AM, I recieved an email notifying me of the following:"Check your mailbox!If it hasnt arrived already, your Chime **** Debit Card should be in there soon. Activate it and start spending!""Activate your debit card"The email also included the following disclaimer:"2025 Chime Financial, Inc. All rights reserved.*********************************** Please do not reply to this email. The account isnt monitored, and we dont want to miss hearing from you.Chime is a financial technology company, not an FDIC-insured bank. ******* services and debit card provided by ***********, N.A., Member ****, pursuant to a license from ***************** and may be used everywhere **** debit cards are accepted. ***************** covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.This email was sent to you because you have a Chime account. (Note: I NEVER set up a Chime account!!!)If you do not wish to receive advertisements from Chime, you can unsubscribe."On April 11, 2025 at approximately 2:00pm, two Chime envelopes arrived in my mail (US Postal).The envelopes contained 2 **** cards (Direct Deposit **** card (White), and (Chime Credit Card (Green).I noticed there are multiple addresses associated with this company and it appears suspicious to **** then called the number included on the card ****************. I spoke with a female representative to ask why I was sent these cards with account numbers and she needed my personal information to verify if the account was fraudulent.She wanted the card account number, my date of birth or SSN, home address, and email address.I refused to provide the information and she informed me that I would be placed on hold so she can review the account??? but how if i did not provide the information???I hung up the phone.

  Business Response

  Date: 04/17/2025

  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. 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 Ivory's complaint for further review. We appreciate Ivorys patience at this time.
   
  We thank you for the opportunity to respond to Ivory Veales' complaint. If ***** ***** continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.