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:09/08/2023

  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.

  Chime has been contacted for 5 months to help change my phone num I showed them the bill from the screen shot that the num belongs to me. I can't access my account. Because old phone num I don't have. Chimes doesn't have a 2 step process to change your phone num or your password on account. So your stuck with the old num that u no longer have that they continue to want to send a code pin to. But u have this number no more .so I constantly keep reaching out to them and send my driver license and everything they ask for and nothing for 4 months now. They shouldn't be in business if this is how they conduct business.

  Business Response

  Date: 09/18/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ************************************
  
  On July 1, 2023, ******** contacted us to request to update the phone number listed on the account. We requested specific documents from *************;to verify the account update.
  
  Our records indicate that ******** has provided some of the requested documentation to us. To complete the update, we requested the remaining documentation needed from ******** via email on September 5, 2023. 
  
  The requested documentation can be sent to us by 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 ********************************.

• Initial Complaint

  Date:09/08/2023

  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.

  I have been using chime for over 3 years now. In between three different employers during that time of which the last employer I have used direct deposit for over a year and a half with increasing wages up to $3000 a month. Since I joined chime and their advertised $200 spot me limit which was pretty enticing initially and one of the factors for me signing up with chime, I have NEVER seen any spot me availability over $40. Most of that $40 comes from the spot mean where I have to locate other people and boost them in order to get a $5 increment. So for 3 years making over $2,000 a month and then it increasing to where I'm making $3,000 a month and I still don't get any increase in my spot me limit tells me there's no intention whatsoever of increasing my limit and the whole $200 spot me limit is pretty much false advertising. I'm not the only one that's complained about this specific issue.I've reached out to customer support on occasion to see why I haven't received any increase and the only answer I get is that it's automated and no human representative has any power to increase the spot media limit. then that tells me there will never be an increase in the spot me limit and the $200 is something that I will never see while banking with chime. I've used other services that have given me that are over proud draft protection and shorter amount of time and in higher quantity. Either actually honor your written advertisement and commit to raising the spot me limit above $40 especially when we continuously use Chime and Secured Credit cards for our direct deposit every month for OVER 3 years or completely take this fictitious "overdraft protection limit" completely out of your fine print and advertising since I am many others have yet to see it be honored. I'm about to leave Chime and find another bank or switch back to the bank I was using which actually did give me a usable limit based on my income every month because I've been lied to for the past 3 years.

  Business Response

  Date: 09/18/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************************
  
  Chime members SpotMe limits are based on account history, direct deposit frequency and amount, spending activity and other risk-based factors. Members can always view their current SpotMe limit within the Chime app. 
  
  Since SpotMe limits are set automatically, we are unable to manually change members' SpotMe limits. We will notify *********** whenever their SpotMe limit changes. 
  
  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:09/08/2023

  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 chime acct was compromised i contact Chime customer service department it was my first time trying to reach out to a representative since I had the account their number isn't on the mobile app I had to ****** your customer service number and what came up was the link that had a toll free phone number that I provided in the dispute period to chime. When I contacted them, they had your music plan and agent picked up the phone saying that he was a customer service agent, and that they were going to assist me. They verified my account and provided me with my information information, recent transactions. And told me that The money in my account wasn't available to use. That's why I was having the issue on Cash App not being able to process my request. Then he stated an account specialist. Will contact me to remove the hold from off my money on my chime acct. At that point, they instructed me to click on the link which.Prompt me to click on a link to assist further with me being able to use my money on cash app and their was a hold on my money and they woukd resolve it They had me click on to it provide me a then a key. They were able to take over my screan when I went to certain areas and spots on the chime, they were already information and select the information On my behalf from my phone.They told me that I had to remove all the money from off my account once they did then the whole would be removed and I'll be able to use my phone's which date made 4 transaction to remove **** from the chime app. And they enter the email the amount.They scammed me remote access there changing their toll free number when the money was sent to the email ? They put me on hold told me they will be back and hung up. I tried contacting the number which was the first number that came up on the site. And that link that I sent earlier. This Was the first link that came ****************************** up on ****** number.. Making those transactions they took control of my screen

  Customer Answer

  Date: 09/14/2023

  Please see the attached

  But I'm definitely rejecting they're denial. Because they haven't thoroughly investigated the matter. This is what they sent on to me and regards to them Denying my dispute the first time around and I provide all the screenshot. The fake chime site their contact number along with the police report and all the information so they can have so they can look into this matter. That fake site is still up and they haven't done anything plus when I call in their dispute team is saying that they are aware of a fake company contacting their account holders they have been getting alot of Disputes abt this 

  Business Response

  Date: 09/27/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ************************
   
  On September 7, 2023, ************;contacted us via phone regarding four Pay Anyone transfers totaling $4,200.00 which ************;stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On September 8, 2023, we notified Anthony via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  On the same date, ************;requested a copy of the documents we relied on in making our determination. On September 10, 2023, a copy of the documents Anthony requested were forwarded to the email on file.
   
  Between September 8, 2023 and September 18, 2023, ************;made multiple requests to reopen the investigation and rebuttals were initiated.
   
  As of our latest decision on September 18, 2023, we notified Anthony 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 **************;BBB complaint. We appreciate **************;patience while we review their dispute.
   
  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

  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. They finally gave my money back thanks 
  
  Sincerely,
  
  ****************

• Initial Complaint

  Date:09/08/2023

  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.

  On 9/8/2023, I received an email from the Chime credit card company. I promptly called them to report this, get my account closed, and ask how this account was opened without my consent. After placing me on hold for about 10 minutes, the customer support representative were able to close my account but could not provide information on how the card was opened. The representative directed me to a different resource to retrieve that information. I have had a freeze on my credit report via all three credit bureaus since April 2023, so it should not have been possible to open such a credit card without my knowledge and explicit instruction to un-freeze my credit. Chime advertises their credit cards require no credit check, but their actions in this case completely violate the purpose of this credit freeze, and provide a convenient method for identity thieves to sidestep this key tool in identity theft protection.

  Business Response

  Date: 09/18/2023

  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 September 8, 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 8, 2023. 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 ************;personal information was used to open the account in question, ********************** recommends Aaron 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 ********************************.

  Customer Answer

  Date: 09/18/2023

   
  Complaint: 20574736

  To Chime fraud department and who else it may concern,
  
  I am rejecting this response. Although Chime has taken corrective action including closing the fraudulent account, they have not explained how this credit card account was opened despite my credit being frozen on all three credit bureaus. I have asked for this information several times over the phone and in writing, including in my original BBB report, and not received it.

  Finally, one of the actions they recommend I take at this time is to freeze my credit on all three credit bureaus. I would like to know if they claim this would precent fraudulent activity on their platform in the future.
  
  Sincerely,
  
  *********************************

  Business Response

  Date: 09/25/2023

  Thank you for giving us the opportunity to follow up on *****************************;BBB complaint.
   
  Unfortunately, we are unable to additional information regarding the account without the requested documentation. 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. To date, we have not received this information from *****. 
   
  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: 20574736
  
  I am rejecting this response because I continue to have concerns. I have already submitted this information to Chime by sending a receipt from my reporting this identity theft to identity.gov. Therefore, it is incorrect to say they have not received it from me.

  Upon receiving this original email from me, Chime responded by asking for the last 4 digits of my social security number. I subsequently indicated I was not comfortable providing that information over insecure email, and they provided a phone number to call to provide it. That number was the same as I had previously called, during which time the operator instructed me to continue correspondence over email.

  I have been given conflicting information here, and don't know how they want me to proceed here. I now have a completed police report, and can also submit that information directly to Chime if they would like.
  

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

  Business Response

  Date: 09/29/2023

  Thank you for giving us the opportunity to follow up on ************************************* BBB complaint.
  
  No credit check is required to apply for the Chime Credit Builder Card. 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.  
  
  Upon receipt of *****'s BBB complaint, we have escalated the matter 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 ********************************.

  Customer Answer

  Date: 10/02/2023

   
  Complaint: 20574736
  
  I am rejecting this response because the business has indicated they have escalated the issue internally. I will close out this case upon hearing positive results from that escalation.
  
  Sincerely,
  
  *********************************

• Initial Complaint

  Date:09/08/2023

  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 put my 401k check through my bank which is chime chime told me after the 1st 2 times of trying and refusing to give me a real reason chime told me to write for chime mobile deposit only on the back and that I should do it on the phone with the supervisor on the line which I did and was assured it would go through and it did not. They are just passing me around in circles with no resolution and continuing to not accept responsibility. They canrectify the pronlem or I will seek council and bring a lawsuit including pain and suffering considering this is a mistake or error in the way they handle business. I've been sleeping on the street because my bank wont cash my legitimate check!!!!

  Business Response

  Date: 09/18/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ********************
  
  Between August 29, 2023, Aris submitted a check to be reviewed by our Mobile Check Deposit system.
  
  On the same day, Aris contacted us to inquire about the reason their check was rejected. We informed Aris that the mobile check deposit in question was rejected because it failed to be verified.
  
  For security reasons, we are unable to change the decision of our check review process. We advise that Aris submit the check at another institution or contact the checks issuer 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 ********************************.

• Initial Complaint

  Date:09/08/2023

  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.

  They wouldnt clear a payroll check after 4 business days. A PAYROLL CHECK. They said it was already accepted and cleared, but wouldnt put the money in my account for another 2 business days. They were, by definition, holding MY money hostage. They shouldnt be allowed to operate, theyre a criminal syndicate pretending to be a bank.

  Business Response

  Date: 09/17/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ********************
  
  On September 5, 2023, ******* submitted a check to be reviewed by our Mobile Check Deposit system.
  
  On September 8, 2023, ******* contacted us regarding the status of their mobile check deposit. We informed ******* that the check is still under review and can take up to 5 business days for the check to post to the account. On the same day, ******* notified us via phone that they would like their Chime Checking Account closed. 
  
  That same day, the account was closed per ********* request and our records confirmed the mobile check deposit was posted in the account.
  
  Upon receipt of ********* complaint, we have escalated to have a check for the remaining balance on ********* 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 ******* Loss' complaint. If ******************* continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

• Initial Complaint

  Date:09/08/2023

  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 $2500 per day spending limit with Chime. Every month I go to buy a cashiers check for my rent which is $1895 & my card gets declined due to exceeding my daily limit even though it is SIGNIFICANTLY under the daily limit. I have called in at least 5x trying to get this resolved. *** asked for ************ ***** been turned over to support where this issue has still not been handled. I have emails from Chime support that say the exact same thing as I hear on the phone. That I am getting declined for exceeding the daily limit. I dont understand how anyone working for a bank cant do basic math and realize there is a $605 discrepancy in their math! I am BEYOND frustrated and cannot get a serious answer or help from anyone. If you read the email exchange I am attaching you will see how utterly ridiculous dealing with this these guys is. I just want this company to honor my contract agreement which states that I can spend up to $2500 per day with either of my cards. I just want to be able to pay my rent with ease each month! In every other way Ive been very happy with Chime. But this is insanity.

  Business Response

  Date: 09/17/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **********************************
  
  On August 4, 2023, ********** contacted us via phone regarding their declined transaction to purchase a money order with their bank in the amount of $1895.00.
  
  Our record shows that the transaction was declined because it exceeded the withdrawal limit on their Chime Checking Account. 
  
  ********** can view their account limits in their Chime app. They can go to 'Settings' and tap 'View Limits'.
  
  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: 20574210
  
  I am rejecting this response because: Once again we are going in circles. And you are missing a lot of information about me having tried to do this and how many time it hasnt worked. How hard is this to understand? If the limit is $2500 & the charge is $1895 with no other charges that day then why is it declining every time I try to pay rent? What good is emailing support? I have copies of a dozen emails Ive sent now where you guys say the same thing over and over. Daily limit, daily limit. I have not reached the daily limit so why is my account not working as it should? Is this really that hard for all these different people Ive spoken to to understand?? $2500 - $1895 = $605 I should still be able to spend in a day AFTER making the purchase for my rent. Can I get a relevant, intelligent response from literally anyone that works at this company? Why are you so unwilling to try and understand and solve this problem? It never seems that anyone ever actually reads what ** saying but simply looks at what the computer is saying, which again is not correct. PLEASE look into this issue! This is supposed to be what you are here for. Your support team is utterly useless. 
  
  Sincerely,
  
  *********************************

  Business Response

  Date: 09/25/2023

  Thank you for giving us the opportunity to follow up on *********************************** BBB complaint.
  
  Our record shows that the transaction was declined because it exceeded the limit for this type of transaction on their Chime Checking Account. 
  
  ********** can view their account limits in their Chime app. They can go to 'Settings' and tap 'View Limits'.
  
  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:09/08/2023

  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.

  Okay my name is ************************* I have an account through ******************** I've been with chime for 2 years and some change I got direct deposit to them well seems there was a on the August 27th my phone was stolen when I went to the grocery store I came back and I couldn't find my phone well then there was a purchase made on the 28th of August with Domino's for $66 now I only use chime credit builder to pay my light bill chime customer services gives me a runaround like a Rubik's cube like around the cubicle talking to all their associates and they all just seem to give me the same answer then none of them can answer me they said that they expedited something to the merchant and and waiting for response and all this and I just I just rather just have your guys deal with it please and that because they seem to move a little bit faster whenever y'all guys say something to him or talk to him or whatever hey does she don't want to do their jobs so if you would please look at his arm upload some documentation proof of when the purchase was made and when the transaction was made and you know that the dispute number

  Business Response

  Date: 09/17/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **************************
   
  On September 1, 2023, Jeffrey contacted us via phone regarding a transaction totaling $66.78 which ************;stated was unauthorized. We then opened an investigation into the matter and filed a dispute. 
   
  On the same date, as part of our dispute investigation, we filed chargebacks for eligible transaction(s). A chargeback is a request to the merchant, from Chime, to have the funds from a disputed transaction returned to the member. Merchants are able to reject chargebacks and can provide their own evidence to show that a transaction is legitimate. We are still awaiting a response from the merchant. We will notify Jeffrey the results of the investigation no later than October 29, 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 ********************************.

  Customer Answer

  Date: 09/17/2023

   
  Complaint: 20572996
  
  I am rejecting this response because:
  
  Sincerely,
  
  ************************* he's not only have I not been issued no temporary credit or nothing or I've been put on the back burner by trying I feel like I should have some kind of little bit more valuedness by chime financial institution or whatever I'm not considered nothing I mean I have been waiting like 2 weeks 3 weeks now for an answer and I haven't got nothing back from nobody I feel like I've been put on the back burner and I don't think that's right man and I just want my money back in my account they did their their chime dispute team has lied to me lied to me multiple times I'm out to upload screenshots of that to y'all too so you can see how much their dispute team in there chime members lie to me 

  Business Response

  Date: 09/22/2023

  Thank you for giving us the opportunity to follow up on ************************* BBB complaint.
   
  On September 1, 2023, as part of our dispute investigation, we filed chargebacks for eligible transaction(s). A chargeback is a request to the merchant, from Chime, to have the funds from a disputed transaction returned to the member. Merchants are able to reject chargebacks and can provide their own evidence to show that a transaction is legitimate. We are still awaiting a response from the merchant. 
   
  We will notify ************;the results of the investigation no later than October 29, 2023. Please note, the transactions being disputed by Jeffrey are not eligible for temporary credit. 
   
  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:09/07/2023

  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 September 1, 2023 requested a transfer from Chime checking account to Cash App in the amount of $25. Received my money in Cash App and used it to pay someone. Cash App sent me notification that the transaction was declined on 9/5 due to insufficient funds. At the time of my transaction on 9/1, I still had over $300 in my account. I now have a negative account balance of $25 on Cash App. I spoke with 4-5 agents on the phone as well as chat. I was told to contact **** App, another agent told me my address was incorrect that's why the transaction didn't go through. On my list of my transactions on 9/1, it doesn't show this transaction took place and they don't see it on their side. So then I was told the transaction didn't take place and was even asked how important this money was to me. I have all documentation from Chime and Cash App.

  Business Response

  Date: 09/17/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***********************************
  
  On September 6, 2023, ****** contacted us via chat regarding a transfer from Chime account to Cash App totaling $25.00 which ****** stated was declined.
  
  Our records show that the transfer ****** referenced on September 5, 2023 was unsuccessful due to insufficient funds.
  
  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:09/07/2023

  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.

  Hi ****, Welcome to Chime ****** Services. It will be my pleasure to assist you regarding your inquiry today. From reading your message, We can understand that your concern is regarding your Chime account. We are truly sorry for the inconvenience this may have caused you. Rest assured, We can definitely help you with your concern. If you are a Chime member, please send us another email from the email address linked to your account. If you dont have access to that email address, you can add a different one to your account in your ********************** app under Settings. Cant access that email address? Link a different one to your account on the Settings page of your Chime app.Still need help? Chat with us by tapping the question mark icon at the top left corner of your app or call us at ****************. However, if you have any other concerns you can revert back to us on this same email. We know you have been such an awesome member and we greatly appreciate your patience and understanding on this matter. Please feel free to contact us back if any other questions or concerns come up. Thanks,***** | Chime ****** ServicesHi ****, Welcome to Chime ****** Services. It will be my pleasure to assist you regarding your inquiry today. From reading your message, We can understand that your concern is regarding your Chime account. We are truly sorry for the inconvenience this may have caused you. Rest assured, We can definitely help you with your concern. If you are a Chime member, please send us another email from the email address linked to your account. If you dont have access to that email address, you can add a different one to your account in your ********************** app under Settings. Cant access that email address? Link a different one to your account on the Settings page of your Chime app.Still need help? Chat with us by tapping the question mark icon at the top left corner of your app or call us at ****************. However, if you have any other concerns you can revert back to us on this same email. We know you have been such an awesome member and we greatly appreciate your patience and understanding on this matter. Please feel free to contact us back if any other questions or concerns come up. Thanks,***** | Chime ****** Services

  Business Response

  Date: 09/17/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **************************
   
  On August 7, 2023, Robert contacted us via phone regarding thirty-nine transactions totaling $2,594.61 which ************************;stated were unauthorized. We then opened an investigation into the matter and filed a dispute. 
   
  On August 8, 2023, we notified Robert via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  Between August 10, 2023 and August 14, 2023, ***********;made multiple requests to reopen the investigation and rebuttals were initiated. As of our latest decision on September 10, 2023, we notified ************************;via email that we reopened the claim based on the additional information provided and determined that an error did occur. As a result, a credit in the amount of $2,594.61 was posted to **************************;account on September 10, 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 ********************************.