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:09/10/2023

  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 received a few emails from Chime and then received a Chime card in the mail. I had not set up an account with this business and had not requested a card so I searched for their customer service number and called it. I told the representative the situation and she asked me for personal identifying information. I told her I was uncomfortable with that and asked to speak with a supervisor. She stated they did not have supervisors and then I asked if there was another contact of any sort I could speak with about this matter. She stated there was not. I received no resolution. I called a second time and asked if I could share the number on the card that was sent to me via mail (that I did not request). She stated that she could not look up the account with the number and again needed personal information to look up anything. She did give me an email address to try and get it resolved. I was not comfortable giving out additional Information and uncomfortable sending an email. There should be a way to ask a valid question about an account without providing personal information especially in the circumstances above.

  Business Response

  Date: 09/20/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **********************
  
  Chime takes reports of identity theft very seriously and has taken the appropriate action on the reported account. 
  
  Please note that Chime is a financial technology company, not a bank, and accordingly Chimes partner banks, The ************* N.A. or ************ N.A.; Members 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 September 2, 2023, an application for a Chime Checking Account using Reginas 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 September 20, 2023. In order to prevent further unauthorized activity, Chime additionally flagged Reginas personal information so no other accounts would be opened using Reginas 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 Reginas 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 ******************************
  
  Chime will provide information as evidence of the application and transaction records upon receipt of proof of ID theft claim (police report or completed affidavit of ID theft, available at IdentityTheft.gov) and confirmation of the requestor's identity. 
  
  We thank you for the opportunity to respond to ************************* complaint. If ********************* continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

• Initial Complaint

  Date:09/10/2023

  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.

  My employers changed their payroll program, resulting in an erroneous direct deposit, then reversal from my account on 8/28. On 9/6, Chime decided to close my checking and savings accounts, without notice, completely locked me out, like the accounts never existed! I can't get anyone to explain, and they just told me to submit documentation: photo ID and explanation, to their support email. I spoke with 5 people, 2 said they were in supervisory positions, I have emailed, and received response from 5 different people. They all, each one, responded with the same, form-letter response. No one can verify that the documentation was received. No one will help! I had money in both accounts, and they tried to tell me it is non-refunable! I had money in savings and checking with Chime, and theyre trying to keep my money! Now, I'm not even getting email responses anymore, and have taken to social media, finding out that other customers are going through the same thing! I was able to get CHIME removed from my direct deposit with my employer just in time to prevent future deposits, and the payroll rep GUESSED that I was speaking about CHIME, because she had already spoken to four employees THAT DAY about Chime!

  Business Response

  Date: 09/20/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
  
  On September 7, 2023, during a routine monitoring of accounts, we identified some unusual activity regarding the amount and/or origin of certain funds which were deposited to *****'s Chime account. Therefore we exercised our right to close the account and requested documentation from ***** that could verify the source of the funds deposited.
  
  On the same date, ***** submitted some of the requested information for our review.
  
  On September 11, 2023, upon further review of the documents provided, the account was re-enabled, giving ***** full access to the funds on 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 directly by email at ********************************.

  Customer Answer

  Date: 09/20/2023

   
  Complaint: 20582332
  
  I am rejecting this response because: Chime has not contacted me to inform my account was reactivated. I only found out from the response today.  Nine days my account was active without notice, according to them.  The last 3 days I have emailed them without response. 

  So, I logged into my Chime account for the first time in 2 weeks, verified the balance, then set out to withdraw all of my funds so that the account can be permanently closed. I tried linking my local checking account to make a transfer, but Chime wont allow an out-bound transfer?! It only allows me to load my Chime account.

  My ********************** card was then declined twice. I was told by Chime that it must be on the merchant side. It declined at another merchant before I found the digital TEMPORARY CARD in the app! My card wouldn't work because Chime issued a new one. 
  So, I have successfully linked my Venmo and Chime accounts, but the Chime ACCOUNT is now declined.  Again, I'm told the must be on the merchant side.  I have spent HOURS trying to access my funds, and still cannot.
  Sincerely,
  
  ***************************

  Business Response

  Date: 09/26/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
  
  We can confirm that a linked account transfer totaling $97.77 was successfully processed on *****'s account on September 21, 2023. If ***** has any questions regarding this transfer, we recommend that they contact us via email at ******************************** for further information. 
  
  We thank you for the opportunity to respond to ******************** complaint. If *************************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 09/26/2023

  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.

  Since last correspondence, was able to successfully transfer account balance out of account so that it can be closed.  The transfer posted to my account yesterday 9/25/23. Thank you for your help recovering my money. It is greatly appreciated. 
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:09/10/2023

  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.

  Terrible app and company! Have had MULTIPLE issues with someone accessing my account and changing my info and taking my money! Have tried to have this investigated for months and no one has any answers! Beginning in July there has been MULTIPLE unauthorized changes to my account that no one has been able to explain. On July 27th, $259 was stolen from my account and now on Sept 7th another $110 was taken and they are trying to deny any wrongdoing! No one has access to my information and I believe this has been an inside job of someone from Chime being the person or people accessing my account and making changes! I am very upset and will be closing my account as soon as they give my money back that was taken!

  Business Response

  Date: 09/19/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***********************.
  
  On September 7, 2023, ***** contacted us via phone regarding three transfers totaling $110.00 which ***** stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  On September 10, 2023, we notified ***** via email that we completed our investigation and based on the information available, we determined that no error occurred. The same day, ***** inquired about reopening the case, and a rebuttal claim was opened.Additionally, ***** requested a copy of the documents we relied on in making our determination.
  
  On September 12, 2023, a copy of the documents Sarea requested were forwarded to the email on file. The same day, we applied a temporary credit to ****** account for the full amount of the dispute while we complete the rebuttal investigation. 
  
  Please note, the investigation is in progress and we are working to resolve your claim as quickly as possible. We will notify you the results of the investigation via email no later than December 9, 2023. 
  
  We thank you for the opportunity to respond to ************* complaint. If *********************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

• Initial Complaint

  Date:09/10/2023

  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 august 31st my debit card was used in ******* at a Kroger. I received notification of the charge while I was at work in ***** where I live . I called immediately and canceled my card and request a genus if my money due to fraud. I have been denied this claim by chime whose says this is a legitimate charge. I have never been to Georgia and the debit card was in my physical body in *****. In the charge to ****** was a pre paid **** gift card for $100. This is a huge red flag and is being ignored by chime

  Business Response

  Date: 09/19/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ************************
  
  On August 31, 2023, ***** contacted us via phone regarding a transaction totaling $179.72 which ***** stated was unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  On September 3, 2023, we notified ***** via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  Between September 3, 2023 and September 10, 2023, ***** made multiple requests to reopen the investigation and rebuttals were initiated. As of our latest decision on September 18, 2023, we notified ***** via email that our decision remains that no error occurred.
  
  On September 3, 2023, ***** requested a copy of the documents we relied on in making our determination.
  
  On September 6, 2023, a copy of the documents Trent requested were forwarded to the email on file.
  
  Upon receipt of ******* complaint, we have escalated the referenced dispute 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 directly by email at ********************************.

  Customer Answer

  Date: 09/19/2023

   
  Complaint: 20581211
  
  I am rejecting this response because: I was at work in ***** and have attached my punch of that day and the times I was at work. I can not and was not in two states at the same time. This charge is clearly fraud and I deserve my money back 

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

  Business Response

  Date: 09/25/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ************************
   
  On August 31, 2023, ***** contacted us via phone regarding a transaction totaling $179.72 which ***** stated was unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On September 3, 2023, we notified ***** via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  Between September 3, 2023 and September 10, 2023, ***** made multiple requests to reopen the investigation and rebuttals were initiated. As of our latest decision on September 18, 2023, we notified ***** via email that our decision remains that no error occurred.
   
  On September 3, 2023, ***** requested a copy of the documents we relied on in making our determination.
   
  On September 6, 2023, a copy of the documents ***** requested were forwarded to the email on file.
  
  Upon receipt of *****'s complaint, we have escalated the referenced dispute 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 directly by email at ********************************.

  Customer Answer

  Date: 09/27/2023

   
  Complaint: 20581211
  
  I am rejecting this response because: U have not received any documentation other than the information i have submitted. I have not seen anything from your end of how you decided everything and what documentation you have used  other than mine
  
  Sincerely,
  
  ***********************

  Business Response

  Date: 09/30/2023

  Thank you for giving us the opportunity to follow up on Trent ******* BBB complaint.
   
  On September 19, 2023, we have escalated the dispute and a rebuttal claim was opened. On September 20, 2023 as part of our dispute investigation, we filed chargebacks 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. We are still awaiting a response from the merchant. We will notify Trent the results of the investigation no later than December 18, 2023.
   
  We thank you for the opportunity to respond to ************************* complaint. If **********************;continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

• Initial Complaint

  Date:09/10/2023

  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.

  Chimes sent me an email and a text to let me know that I would be receiving a debit card in the mail. I assumed it was Spam since I had not requested one. Then, I received a debit card that I had neither requested nor wanted. I called Chimes twice and, after entering identifying information, I was disconnected. I do not know if there has been fraudulent activity or why Chimes would have sent me a debit card without my request. I destroyed the debit card.

  Business Response

  Date: 09/19/2023

  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.
   
  Our records indicate that on August 29, 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 September 10, 2023. In order to prevent further unauthorized activity, Chime additionally flagged Alice's 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 Alice responsible for any activity on the account. Since ************;personal information was used to open the account in question, ********************** recommends Alice 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 directly by email at ********************************.

• Initial Complaint

  Date:09/09/2023

  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.

  7/6/2023 chime closed my account with **** in it without prior notice. Submitted all requested documentation to reopen said account such as driver's license, current address, bills associated with address. Chime stated this was good enough to reopen account and have withheld my funds without any further action to fix the situation. They refuse answering other than their generic review email. I have been patient and cordial with them about getting assistance, but it has been 3 months of trying to get help to remedy the situation.

  Business Response

  Date: 09/19/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******************************
  
  On July 6, 2023, during a routine monitoring of accounts, we identified activity that was considered to be high risk on *******'s account. As a result, we placed a hold on the account and requested documentation from ******* that could verify the account activity. 
  
  The same day, upon further review, we determined ******* 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 directly by email at ********************************.

• Initial Complaint

  Date:09/09/2023

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received and email from chime notifying me that they were shutting down my account without notice, refusing to issue a refund. Almost $3000 in my account. I have spent several hours on the phone and through email attempting to contact Chime to get this resolved without assistance.

  Business Response

  Date: 09/18/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***************************.
   
  On September 7, 2023, Chime determined Crystal'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.
   
  On September 9, 2023, Crystal submitted some of the requested information for our review.
   
  On September 11, 2023, upon further review of the documents provided, the account was re-enabled, giving Crystal full access to the funds on 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 directly by email at ********************************.

• Initial Complaint

  Date:09/09/2023

  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.

  Friday morning(09/08) I did an instant transfer from CashApp to my Chime bank account in the amount of $833.39 Everything went through perfect. A couple of hours later my account was suspended/on hold for suspicious activity I received an email requesting documentation such as my ID, proof of transaction, and etc. I provided all the information. I was told I would receive a response shortly within 24hrs. I have not yet received any answer nor update. Ive spoken to several representatives and theyve all escalated the situation and I still havent received a response or any kind of help. A supervisor submitted an appeal for closing the account and Ive still heard nothing. Chime has done nothing to help. They havent told me what I did wrong or how Im out of compliance by simply depositing money. Its been over 24hrs. They are unlawfully holding my hard earned money which I am ***********. That is money that I worked for! They have not tried to help me concerning this issue. I am still reaching out, and emailing, and I am still being ignored by the company. The least they can do is give me an update but no one can provide any real information. My account needs to be restored and I need access to my funds immediately! I have done nothing wrong!

  Business Response

  Date: 09/19/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***********************.
   
  On September 8, 2023, during a routine monitoring of accounts, we identified some unusual activity regarding the amount and/or origin of certain funds which were deposited to Cierras Chime account. As a result, we placed a hold on the account and requested documentation from Cierra that could verify the source of the funds deposited.
   
  Between September 8, 2023 and September 12, 2023, Cierra submitted some of the requested information for our review.
   
  The account remains suspended and is not eligible to be re-enabled or for a refund check until Cierra provides valid copies of the required documents. We emailed Cierra on September 14, 2023, requesting the documentation that is still needed to re-enable the account. 
   
  The requested documentation can be sent to us by email at ********************************.
   
  We thank you for the opportunity to respond to *********************** complaint. If Cierra Miles continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 09/19/2023

   
  Complaint: 20579684
  
  I am rejecting this response because: I have submitted ALL documentation necessary. My case has been escalated several times and I have recordings of Supervisors stating that all documents were received and directly forwarded to the correct team. I am not receiving their emails. If I need to move forward with arbitration I will do so.
  
  Sincerely,
  
  ***********************

  Business Response

  Date: 09/25/2023

  Thank you for giving us the opportunity to follow up on *********************** BBB complaint.
  
  Between September 8, 2023 and September 21, 2023, Cierra submitted some of the requested information for our review.
  
  On September 21, 2023, upon further review of the documents provided, the account was re-enabled, giving Cierra full access to the funds on 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 directly by email at ********************************. 

• Initial Complaint

  Date:09/09/2023

  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 deposited cash 9/8/2023 at 2:32 and it always posts right away. I needed it for a truck rental I reserved. Went to go pay and my card was declined. So I called customer support and did nothing but think it was funny. J waited over 11 hours and noth6ever got resolved and still hasn't. And now I have no way home the rental place is closed and stuck in the thunderstorms. I'm 55 years old and this should have never happened with cash deposit.

  Business Response

  Date: 09/18/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **********************
  
  On September 8, 2023, **** contacted us regarding a cash deposit they were expecting in the amount of $100.00, which **** stated was not posted to their account.
  
  Upon thorough review of ****'s account, the transaction referenced in the complaint does not appear on our records. *************** reach out to the retailer for further assistance. Additionally, *************** provide further details, such as the merchant name and location, regarding the deposit to us via email at ********************************. 
  
  We thank you for the opportunity to respond to **************** complaint. If ********************* continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 09/18/2023

   
  Complaint: 20578195
  
  I am rejecting this response because:
  
  Sincerely,
  
  *********************

  I have email after email and probably in the 100s plus phone calls and Chime needs to fix this. They keep robot emailing me and saying it's being worked on and because I select some chat the request will be closed and I never opened any chat. And also have all the emails and probably got 50bthis morning alone. They are suppose to be trusted and say they want a valued experience and I have not received that yet. It has also cost them more with all the people looking into it. I have repeated the same thing over and over to 100s of people and emails. One girl couldn't even spell. The reps have laughed been rude and made jokes.  I have giving them everything they have asked for 100s of times. It's going on 12 days now.

  Business Response

  Date: 09/22/2023

  Thank you for giving us the opportunity to follow up on *********************;BBB complaint.
   
  We understand the circumstances surrounding ***********;complaint. However we are unable to locate the transaction in our records. We recommend **** reach out to the retailer for further assistance.
   
  We thank you for the opportunity to respond to **************** complaint. If ********************;continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 09/23/2023

   
  Complaint: 20578195
  
  I am rejecting this response because:

  They have been giving me the runaround for 2 weeks. Their  asked me the same thing over and over again and say their sending it out to some special team. I gave the receipt many times. They need to issue my money back and figure it out with the store because the store is saying it went threw.  The hardship this has caused when it was for a moving  truck and the added expense  the mental, physical,emotional  and financial stress this has caused is so uncalled for and they did it to me day in and day out email after email starting ear5in the money and lastsball day.. They say they want their customs have a pleasant experience and that has not happened at all. Then all the emails say the special  deputies  people will be in touch and never have. They have done  nothing and just have automated responses that say the same thing over and over. All the ****** reviews say this is what chime does and people haven't gotten their money for months. I do want a $500 compensation for ever9they have put me through. 

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

  Business Response

  Date: 09/29/2023

  Thank you for giving us the opportunity to follow up on *********************;BBB complaint.
   
  Our records confirm that we did not receive a cash deposit for the amount of $100.00 on the said date of September 8, 2023. We recommend *********;to reach out to the retailer for further assistance. We now consider this matter resolved.
   
  We thank you for the opportunity to respond to **************** complaint. If ********************;continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 10/03/2023

  CVC contacted me and said they found the money and I have no way to get to the store the transaction took place and asked them to put it on the card or mail it to me. They have put me out enough and Chime is still to this day sayingbtjeir  deputie specialists are looking into the matter and will get a hold of me and I have answered that same email over 100x and still not one has contacted me. They are my bank I trusted them and they have all the business information screenshots at least 50x or more. So they need to get my money because the physical, emotional, financial and mental stress they have caused and all theybgave me was the runaround.  I have moved and cannot go there nor am I paying for a ride there. I want my $100.00 now and not a penny  more or a ***** less even though I am *********** it. But I am sure not paying $100.00 of dollars to go out of my way to go get this and if Chime did what they say they were doing this would be over and done with by now. It's going on a month now. 
  Complaint: 20578195
  
  I am rejecting this response because:
  
  Sincerely,
  
  *********************

• Initial Complaint

  Date:09/09/2023

  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 have a chime credit builder account/card and I have the feature called safer credit builder turned on since I got the credit builder card. This means I never have to make a payment, all the money I transfer from my checking account into the credit builder account is pre purchase. This means I never have a credit card bill at the end of the month. Chime sets aside the money transferred from my checking then pays off the balance and reports it To the credit bureau. Thing went well for the first couple of months then in Dec 2022 they reported my paid off balance as my open balance and it caused my credit score to drop. I never got any help when I called and I am still trying to get them to fix this.

  Business Response

  Date: 09/18/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ************************
  
  Chime reports information accurately to the three major credit bureaus. Our records further indicate Deans account is being reported accurately. To remain fair and impartial to all our members, we are unable to modify our credit reporting procedure.
  
  The secured Chime Credit ************ Credit Card is our no annual fee, no interest, secured credit card that helps consumers build their credit. Consumers who enroll in the Chime Credit Builder Credit Card can help build their payment history, increase the length of their credit history over time, and more.
  
  We thank you for the opportunity to respond to ***************** complaint. If *********************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 09/19/2023

   
  Complaint: 20578192
  
  I am rejecting this response because:

  I have already emailed the chime support department and called them many times and even used the chat feature. Ive never gotten a response or an apology. I did however get an admission of mistake on chimes part by a representative on a call I made to them so Im sure there is a recorded record of it.

  Its really disturbing that not many people that work there know what the feature called safe credit building actually does. Once again they reported my already paid off balance as my open balance on a card that has no limit and it caused my credit score to drop not once but twice. This should be impossible with safe credit building turned on. Everytime I call or email I get spammed or automated responses. This was a mistake on chimes part and I am even willing to go to arbitration or civil court if need be. If chime had done their job and reported it or even told the credit bureau they made a mistake this would all be over.
  
  Sincerely,
  
  ***********************

  Business Response

  Date: 09/25/2023

  Thank you for giving us the opportunity to follow up on ***************** BBB complaint.
   
  We can confirm that Dean was presented with a Chime Credit Builder Agreement and Application Disclosure. Our records further indicate Dean agreed to the Chime Credit Builder Agreement on November 19, 2020.
   
  Chime reports information accurately to the three major credit bureaus. Our records further indicate Dean's 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 ***************** complaint. If *********************;continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************. 

  Customer Answer

  Date: 09/25/2023

   
  Complaint: 20578192
  
  I am rejecting this response because:

  This was the exact same response I received already. It seems they did not even look into the matter.
  
  Sincerely,
  
  ***********************

  Business Response

  Date: 09/29/2023

  Thank you for giving us the opportunity to follow up on ***************** BBB complaint.
   
  Chime reports information accurately to the three major credit bureaus. Information that Chime reports includes the payment status, amount past due (if any), account age and current balance (the amount spent since the last statement plus any amount past due). 
   
  We appreciate **** for sharing their feedback with us. However, our records indicate ****** account is being reported accurately. 
   
  We thank you for the opportunity to respond to ***************** complaint. If *********************;continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************. 

  Business Response

  Date: 10/10/2023

  Thank you for giving us the opportunity to follow up on ***************** BBB complaint.
   
  Chime reports information accurately to the three major credit bureaus. Information that Chime reports includes the payment status, amount past due (if any), account age and current balance (the amount spent since the last statement plus any amount past due). 
   
  We appreciate **** for sharing their feedback with us. However, our records indicate ****** account is being reported accurately. 
   
  We thank you for the opportunity to respond to ***************** complaint. If *********************;continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.