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:08/08/2023

  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.

  *********** is a partner with Chime. Stride issues debit and credit cards for Chime. Chime is based in ***************. Chime has issued a fake account in my wifes name. Stride has issued a debit card based on the same fraudulent information. Neither Chime nor Stride will do anything to stop this fraudulent. I need help with this issue

  Business Response

  Date: 07/12/2023

  Hello *****,
  
  *********** established your Chime Checking Account and serves as the issuer of the Chime **** Debit Card and, as such, is concerned with your complaint. As the issuer, we take all matters which affect consumers who utilize the Chime Checking Account very seriously. We have conducted an investigation into the matter and reached out to Chime to better understand the full scope of this matter. Chimes investigations show the following:
  
  The account in question was opened on July 3, 2023, and a card was sent to the address on file. On July 12, 2023, the account was closed per Chime for not being in compliance with its internal policies and the member agreement executed at enrollment. No funds were ever posted to the account, and the account was closed for Identity Theft.
  
  We recommend that you take the following steps to protect your identity further:
  
  Place a fraud alert by contacting one of the three credit bureaus.Experian.com/fraudalert or 1-888-397-3742TransUnion.com/fraud or 1-800-680-7289Equifax.com/CreditReportAssistance or 1-888-766-0008Review your Annual Credit Report by visiting annualcreditreport.com or calling 1-877-322-8228Visit IdentityTheft.gov or call ************** to learn more about additional steps you can take to protect your personal information,including how to report Identity Theft to the Federal Trade Commission.
  
  You may choose to file a report with your local police department. If you received a **** tax form, please report it to the *** for resolution. You can find additional information on the *** site: *************************************************************
  
  Chime and *********** place great importance on providing an excellent customer experience. Please contact ********************** ****** Services at ************ if you have any further questions or concerns.

  Customer Answer

  Date: 07/26/2023

   
  Complaint: 20308305
  
  I am rejecting this response because:
  Chime did not respond to ** directly in any meaningful way. They would not answer their phone. Once we made a request to close the account via email ********************** kept asking us for the same information previously provided. 
  *********** would not step in to cancel the debit card it issued and mailed to an incorrect address until Chime cleared them to do so. 
  I asked for *********** security manager ***************************** to call me. He did not. I called ******************* and left a message. He never returned my call. 
  Poor customer service.

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

  Business Response

  Date: 08/17/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ********************************
  
  For security reasons we are unable to provide information in regards to accounts registered to others. In order to reach the best possible outcome and resolve the complaint, we recommend ****** advise the individual who is experiencing the issue to reach out to us via ******************************** and we will investigate the matter further. 
  
  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:08/08/2023

  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.

  *********************************, ******************************************************************************* ************************** ************ Chime Bank/************************************************************************** Subject: Complaint Regarding Transaction Dispute and Request for Refund ATTN Better Business Bureau,I hope this letter finds you well. I am writing to express dissatisfaction with the handling of a recent transaction issue that occurred on 05/08/2023 at approximately 9:03PM involving Chime/Stride Bank. The transaction in question is $200, & I am seeking a refund, along with a sincere apology for the poor customer service experience I have encountered.To date, I have filed THREE separate disputes regarding transaction, yet no resolution has been reached. I am disappointed to report that the response from chime customer support has been extremely disheartening. Instead of making a genuine effort to assist me, I was met with dismissive and unhelpful responses that essentially left me feeling disregarded and ignored.The lack of assistance & dismissive attitudes displayed by Chime/Stride Bank is not only unprofessional but also unacceptable. I kindly request that you thoroughly review the details of the disputed transaction that occurred on 05/08/2023, at 9:03PM. It is important to note that I have provided all necessary evidence, including receipts and relevant communication, to support my claim. Based on this information, I firmly assert my right to a refund of $200, which is the amount in question. I know if anyone can assist its the BBB. Thank you in advance for helping me sort this out. If you need any additional information from me, please feel feee to reach out. Thanks again!Best,******

  Business Response

  Date: 07/31/2023

  ************************* established your Chime Checking Account and serves as the issuer of the Chime **** Debit Card and, as such, is concerned with your complaint. As the issuer, we take all matters which affect consumers who utilize the Chime Checking Account very seriously.We have conducted an investigation into the matter and reached out to Chime to better understand the full scope of this matter. Chimes investigations show the following:
  
  Chime reviewed your account and found that on June 4, 2023, you contacted them to file a dispute claim (********) for 1 transaction in the amount of $200.00 that posted to your account, but goods/services were not received.
  
  As part of their dispute investigation,a chargeback may be requested by Chime. 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 valid. Chime indicated that they received compelling evidence from the merchant regarding the dispute on June 14.
  
  On June 30, Chime concluded the review and notified you via email that they determined no error occurred.
  
  Chime understands this is not the resolution you were seeking, but they are confident the investigation of the claim was properly conducted and resolved. You may request a copy of the documents used in determining the outcome of the investigation by contacting Chime directly at ********************************.
  
  Chime and *********** place great importance on providing an excellent customer experience. Please contact ********************** ****** Services at ************ if you have any further questions or concerns.

  Customer Answer

  Date: 07/31/2023

   
  Complaint: 20356188
  
  I am rejecting this response because:

  I know chime doesnt have proof, they just dont want to do actual work in investigating my case. I know they dont have proof, because Ive attached proof of person who stole my money, admitting to stealing it so thats irrefutable proof right there. Chime needs to do the right thing and refund my $200. 
  
  Sincerely,
  
  *********************************

  Customer Answer

  Date: 08/01/2023

  Ive attached a screenshot of convo with the person admitting that they just took my money. Admitting to guilt. There should be no other proof needed for me to get my money back. MY MONEY. I dont believe that chime did a thorough investigation or really any investigation and I just want the refund of what is rightly mine.

  Customer Answer

  Date: 08/01/2023

  Ive attached a screenshot of convo with the person admitting that they just took my money. Admitting to guilt. There should be no other proof needed for me to get my money back. MY MONEY. I dont believe that chime did a thorough investigation or really any investigation and I just want the refund of what is rightly mine.

  Business Response

  Date: 08/01/2023

  Hello,

  Please contact Chime ****** Services via phone at ************ or via email at ******************************** if you have any further questions or concerns.

  Customer Answer

  Date: 08/09/2023

  I am reaching out in regard to complaint number - ******** that has been forwarded to your office, looking to get an update on how far along we are with it. The company is Chime/Stride Bank and the resolution im looking to get out of it is a full refund of my $200.00 along with a public apology from them for how rude they have been so far. 

   

  Thanks in advance for checking on it and getting back to me. Look forward to hearing back from yall soon. 

   

  Best,

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

  Business Response

  Date: 08/15/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **********************************
  
  On June 4, 2023, ********* contacted us via phone regarding a transaction in the amount of $200.00 of which ********* stated goods or services were not received. We then opened an investigation into the matter and filed a dispute. 
  
  As part of our dispute investigation, Chime may file a chargeback. A chargeback is a request to the merchant, from Chime, to have the funds from a disputed transaction returned to the member. Merchants are able to reject chargebacks and can provide their own evidence to show that a transaction is legitimate. Our records indicate we received compelling evidence from the merchant regarding  *********** dispute. On June 30, 2023, we concluded our investigation and determined no error occurred and ********* was notified of this via email. 
  
  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: 08/15/2023

   
  Complaint: 20356188
  
  I am rejecting this response because:
  
  I PAID FOR GOODS & SERVICES I NEVER RECIEVED!!!!!! YALL JUST LET THIS GUY TAKE MY 200$ WITH ABSOLUTELY BO REPERCUSSIONS BECAUSE YALL ARE LAZY!!!!

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

  Business Response

  Date: 08/22/2023

  Thank you for giving us the opportunity to follow up on *********************************' BBB complaint.
   
  We understand this is not the resolution **************;was seeking, but we are confident the investigation of the claim was properly conducted and resolved. If Mackenzie still does not agree with the outcome of the claim, they may submit a rebuttal to ********************************. 
   
  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: 08/22/2023

   
  Complaint: 20356188
  
  I am rejecting this response because: I have already reached out via that avenue. I have emailed yall, many many many times. I would like all the paperwork/information yall have of the investigation sent to me. Yall can email it to me, or mail it to me or however that would work. Because this isnt making sense to me. I have proof, SOLID PROOF - LITERAL SCREENSHOTS - of the person/vendor who took my moneys ADDMISSION OF GUILT. What more proof do you need? I deposited MY MONEY into MY CHIME ACCT, I then sent MY MONEY IN MY CHIME ACCT to this gentleman (who I had done business with multiple times before) for a service. I DID NOT RECEIVE SAID SERVICE - but chime allowed me to basically be robbed? I TRIED TO FILE A DISPUTE LESS THAN A WEEK AFTER - **** told me yo wait for it to not be a pending trans, I did, then yall basically told me you couldnt do anything. Im asking, WHY? You just let all your loyal customers get robbed? ** you dont feel like doing your actual job or???? So please explain how this is fair or makes sense? Give me my money back, and send me all the info chime has put into said investigation. Thank you. And dont you worry, *** got a lot of extra time on my hands lately and a HUGE social media following, so Im starting a lovely petition against yall. It would seem stupid if it was just me, but luckily I have a cult following in the 200k range who love to share everything I share. Ill make sure to tag yall! Or you could ya know just give me MY HARD EARNED MONEY BACK. Either way, talk soon. xoxox 
  
  Sincerely,
  
  Kenzie

• Initial Complaint

  Date:08/07/2023

  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.

  On August 4th around 12:15am, I deposited my payroll check in the amount of $1,872.73 in my Chime Account. I have been a member since last year and my payroll checks from the USPS are normally direct deposited. This paycheck, I had to get a paper check and decided to use Chime to access my funds as normally. Since this was my first time using them to deposit a check, I went online for instructions. Now, on the last page of these instructions, it does state you may need to wait up to 5 business days. When I contacted Chime through several supervisors, I was advised that I would have to wait the 5 business days. I was very livid and asked them why. I have an account from them for while and I had been getting my funds direct deposited since last year from the same company that I had to deposit my check. I had funds from Sporting Apps released to my Chime account the next business day. These amounts were triple the amount of my payroll check. I also informed them that their website says "May need to wait" and that isn't the same as "All checks" will have to wait 5 business days. I'm just trying to either have my funds released the next day or have my pay check sent back to me. After this mess, I will definitely be closing my account with them.

  Business Response

  Date: 08/17/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *******************************.
   
  On August 4, 2023, Montarius contacted us regarding the status of their mobile check deposit. We informed Montarius that part of the check totaling $200.00 was made available to spend, and can take up to 5 business days for the remaining check balance to post to the account. 
   
  Our records show that $200.00 of Montarius' check deposit was posted on August 4, 2023, while the remaining $1,672.73 was posted on August 11, 2023.
   
  We thank you for the opportunity to respond to ***************** complaint. If Montarius Durrah continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

• Initial Complaint

  Date:08/07/2023

  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.

  I was charged for a hotel room that I did not use. I had a death in my family and let Priceline as well as the hotel know and was charged for a room at the price of ******. This made my account negative, and I cannot pay my car insurance. Chime refunded the money but on August 1, 2023, they recharge me the fee. and now my insurance company has charged me a fee for a return check because it comes out of my account. I would like my ****** returned at that fee of ***** dollars. This was supposed to be corrected on Tuesday, August 1st because I called Chime immediately when they put the charge back on the card. Talk with customer service that Tuesday and he saw that I was charged twice. They did not fix it as they said, and my insurance with Progressive and a return check fee were charged.

  Business Response

  Date: 08/16/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **************************
  
  On August 3, 2023, ******** contacted us via phone regarding a transaction totaling $140.97 which ************************* stated which ******** stated the incorrect amount was charged. We then opened an investigation into the matter and filed a dispute. 
  
  On August 12, 2023, we applied a provisional credit to ********* account for the full amount of the dispute. This temporary credit was provided to allow ************************* with full use of the funds while we completed our investigation.
  
  The investigation is currently in process, and we are working to resolve ********'s case as quickly as possible. Based on the nature of the claim, we will complete the investigation no later than November 1, 2023. ******** will be notified via email as soon as the investigation is completed.
  
  We thank you for the opportunity to respond to *************************** complaint. If ************************* continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 08/16/2023

   
  Complaint: 20433969
  
  I am rejecting this response because: They did not say anything about the overdraft fees I have because of this. I have to pay two overdraft fees because I could not move money from my savings to my checking. Progressive insurance has sent me a cancellation notice. However I will accept them working on the 140.97
  
  Sincerely,
  
  *************************

  Business Response

  Date: 08/22/2023

  Thank you for giving us the opportunity to follow up on *************************** BBB complaint.
  
  The investigation is currently in process, and we are working to resolve ********* case as quickly as possible. Based on the nature of the claim, we will complete the investigation no later than November 1, 2023. ******** will be notified via email as soon as the investigation is completed.
  
  We understand the importance of dispute resolution and we are working to resolve **************;case as quickly as possible
  
  As for the additional concerns that ******** referred to, if they are experiencing issues transferring from their Savings to their Checking account, we recommend contacting us via email at ******************************** 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:08/07/2023

  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.

  Chime allowed a stranger to take funds out of my account and is refusing to help solve the issue. I'm contacting BBB because apparently chime does this very often to people. If you guys can't help, my next move is the **** and ultimately a attorney.

  Business Response

  Date: 08/17/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *****************************.
   
  On August 2, 2023, ****** contacted us via phone regarding two transactions totaling $209.00 which ****** stated were unauthorized. We then opened an investigation into the matter and filed a dispute. 
   
  On August 3, 2023, we notified Daiyan via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  On August 4, 2023, Daiyan inquired about reopening the case, and a rebuttal claim was opened.
   
  On August 7, 2023, we notified Daiyan via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied. 
   
  Between August 4, 2023 and August 8, 2023, ****** requested a copy of the documents we relied on in making our determination which were forwarded to the email on filed on August 11, 2023 and August 14, 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:08/07/2023

  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.

  On February 24, 2023, I deposited exactly ***** dollars into my Chime account. A couple of days later, I got a notice from Chime explaining to me that my account was flagged for fraud and that the account was ineligible for a refund. I did no such thing but my money was taken from me regardless, so, naturally, I contested their decision. I provided them with all of the necessary information they needed from me to clear me of any suspicious activity, and things were looking up once they finally told me that they would be sending me a check in the mail to refund the transaction, but, after waiting for nearly 2 months, the check never came. I decided to inquire about the check again and reiterated what mailing address I wanted them to send it to and they said, "Chime has identified activity on your account that is not in compliance with its internal policies and the member agreement executed at enrollment. Our backend team is working on your closure check request, once they will issue your closure check it will send to your mailing address." I still have not received a check to this day. All I wish for is a full refund and nothing more, your help in this matter would be greatly appreciated as I feel like I have exhausted all other options.

  Business Response

  Date: 08/16/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******************************
  
  On February 23, 2023, Chime determined *******'s account was not in compliance with Chimes internal policies and the account agreement provided at account opening, therefore we exercised our right to close the account.
  
  Between March 19, 2023 and March 27, 2023, ******* submitted some of the requested information for our review.
  
  Upon receipt of *******'s complaint, we have escalated to have a check for the remaining balance on *******'s account sent to the address on file. Once sent, please allow **** business days for the check to arrive. 
  
  We thank you for the opportunity to respond to ********************************* complaint. If ***************************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 08/20/2023

  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.
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:08/07/2023

  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.

  Filed a dispute for $585 from choice hotels. I reserved a room but canceled within the time frame. Chime approved partial of my claim which is incorrect. Chime owes me $585 to my account. I never stayed at the hotel or anything I have proof I canceled and I sent it to them. I'm so sick of Chime not reviewing info from their customers and they denied the claim and only gave me $28 so they now owe me $585.

  Business Response

  Date: 08/16/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******************************
   
  Claim ID: ********
  On July 13, 2023, ******* contacted us via live chat regarding a transaction totaling $28.84 which ******* stated was canceled. We then opened an investigation into the matter and filed a dispute.
   
  On July 19, 2023, we notified ******* via email that we completed our investigation and based on the information available, we determined an error occurred. As a result, a credit in the amount of $28.84 was posted to Autishas account on the same date.
   
   
  Claim ID: ********
  On July 13, 2023, ******* contacted us via live chat regarding four transactions totaling $591.20 which ******* stated were canceled. We then opened an investigation into the matter and filed a dispute.
   
  As part of our dispute investigation, Chime may file a chargeback. A chargeback is a request to the merchant, from Chime, to have the funds from a disputed transaction returned to the member. Merchants are able to reject chargebacks and can provide their own evidence to show that a transaction is legitimate. Our records indicate we received compelling evidence from the merchant regarding Autishas dispute. 
   
  On July 27, 2023, we concluded our investigation and determined that a partial error occurred to the $6.00 and it was credited on the same date. For the remaining amount of $585.20, we determined that the claim remained denied. ******* was notified of this on the same day.
   
  On July 31, 2023, ******* inquired about reopening the case, and a rebuttal claim was opened.
   
  On August 2, 2023, we notified ******* via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied. 
   
  We 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: 08/16/2023

   
  Complaint: 20431827
  
  I am rejecting this response because chime is not being truthful. I contacted the business and they advised me to open a new dispute with my bank chime and I did so. Also, the amounts listed are all apart of the error that was found. The amounts are all within the same transaction chime just divided them apart. I also will not stop filing claims until chime realize the error on their end. I also called the business today and they sent me an email regarding this and that the bank chime didn't tell the truth. 
  
  Sincerely,
  
  *****************************

  Business Response

  Date: 08/22/2023

  Thank you for giving us the opportunity to follow up on *********************** BBB complaint.
   
  Our records indicate we received compelling evidence from the merchant regarding Autishas dispute. 
   
  Between July 31, 2023 and August 11, 2023, ******* made multiple requests to reopen the investigation and rebuttals were initiated. As of our latest decision on August 12, 2023, we notified ******* via email that our decision remains that no error occurred.
   
  We understand this is not the resolution ******* was seeking, but we are confident the investigation of the claims were properly conducted and resolved.
   
  We thank you for the opportunity to respond to ******* Jacksons complaint. If ***************************;continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************. 

  Customer Answer

  Date: 08/22/2023

   
  Complaint: 20431827
  
  I am rejecting this response because the business told me to open a dispute for the amounts. Chime approved only $28 of the claim. Which leaves $585 left. I'm not going to stop filing complaints until it's reversed and back into my account. I even have the email from the *** of the company as well. They've sent me a email stating that my dispute should have been approved for the entire amount. They records shows my complaints against them as well. Chime must give me my money back into my account. I love banking with chime I always refer others also to open a account. I can't believe they're taking me through this. If you'd like I can attach the email showing proof that the dispute is supposed to have been approved as they told me to file the dispute. Please understand. 
  
  Sincerely,
  
  *****************************

  Business Response

  Date: 08/29/2023

  Thank you for giving us the opportunity to follow up on *********************** BBB complaint.
  
  We understand this is not the resolution ******* was seeking, but we are confident the investigations of the claims were properly conducted and resolved. 
  
  We recommend that ******* work with the merchant for any additional refund. 
  
  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: 08/29/2023

   
  Complaint: 20431827
  
  I am rejecting this response because:
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:08/06/2023

  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.

  Chime refuse to issue me back my money that PayPal has sent back on Aug 4,2023. Nor have they issues my refund from doordash.

  Business Response

  Date: 08/16/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******************************
  
  Claim ID: ********
  On August 4, 2023, ******** contacted us via phone regarding a transactions totaling $20.08 which ***************************** stated was unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  On August 9, 2023, we notified Kimberly via email that we completed our investigation and based on the information available, we determined an error occurred. As a result, a credit in the amount of $20.08 was posted to ************************ account on the same day.
  
  We 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:08/06/2023

  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 July 29th I received a deposit into my account: ************ from the **** Chime immediately limited my access to my account features and placed a temporary limit on transactions. I received a email from chime telling me to provide documents verifying my identity and also documentation stating that I will be receiving the amount that was deposited which I did and Also my **** for my tax return which I did. Chime closed my account after receiving all requested documentation and stated that I violated the deposit agreement. They stated that a check for remaining funds in my account would be mailed but to allow the remaining transactions to settle on the account. The transactions settled within two business days as I personally contacted the merchant. The remaining balance in my account at the time of closing was approximately $33,514.06. Not having access to my account and or funds has caused and will continue to cause hardship for me and my family. I reach out to chime daily I send emails and continue to receive automated and or generic responses stating the same that a check will be mailed to the address on file within 30 days. This is very alarming to me as me and my family have sifted through over ***** complaints from consumers who face the same problem as me. I file this complaint now as I dont have 30 days to wait on a check that will never come based on complaints I have seen! I opened this account over two years ago believing Chime was a bank based on advertising stating as such. I simply want access to my account to my funds or to have a check expedited to the address on file immediately! The member service representatives arent knowledgeable they barely speak fluent English as well. Please help me to gain access to my funds immediately. Chime continues to send the same emails and this is becoming more frightening by the day. Thank you! Kwontravis *****

  Business Response

  Date: 08/16/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by Kwontravis Grant.
  
  On August 11, 2023, after a complete review of Kwontravis' account, **********************'s partner bank, The ************* 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 Kwontravis in accordance with Section (I)(C) titled Account Holds, Suspensions, and Closures of the Chime Deposit Account Agreement: ********************************************************************************. At this time, the account is not eligible for a refund. 
  
  We thank you for the opportunity to respond to Kwontravis ******* complaint. If Kwontravis ***** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Business Response

  Date: 08/16/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by Kwontravis Grant.
  
  On August 11, 2023, after a complete review of Kwontravis' account, **********************'s partner bank, The ************* 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 Kwontravis in accordance with Section (I)(C) titled Account Holds, Suspensions, and Closures of the Chime Deposit Account Agreement: ********************************************************************************. At this time, the account is not eligible for a refund. 
  
  We thank you for the opportunity to respond to Kwontravis ******* complaint. If Kwontravis ***** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Business Response

  Date: 08/16/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by Kwontravis Grant.
  
  On August 11, 2023, after a complete review of Kwontravis' account, **********************'s partner bank, The ************* 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 Kwontravis in accordance with Section (I)(C) titled Account Holds, Suspensions, and Closures of the Chime Deposit Account Agreement: ********************************************************************************. At this time, the account is not eligible for a refund. 
  
  We thank you for the opportunity to respond to Kwontravis ******* complaint. If Kwontravis ***** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

• Initial Complaint

  Date:08/06/2023

  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.

  I was charged $249.00 from *************** fee. I contacted Chime 3-4 times to get the problem fixed. I never authorized the charge. It is a scammer. When you look it up is shows to be a ****************** out of **. I advised them I have never had ******** a day in my life. I have a wife and 4 kids to provide for and that is alot of money at this day and time. I have sent chime multiple pictures where other people have been scammed with the same thing. I did not authorize it and I have told Chime that and they are not doing there job and getting my money back from being charged fraudulently.

  Business Response

  Date: 08/16/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ************************
  
  On June 7, 2023, **** contacted us via phone regarding a transaction in the amount of $249.00 which **** stated was unauthorized. After the transaction settled on the account, we then opened an investigation into the matter and filed a dispute. 
  
  On June 12, 2023, we applied a provisional credit to ****'s account for the full amount of the dispute. This temporary credit was provided to allow **** with full use of the funds while we completed our investigation.
  
  On June 17, 2023, we notified **** 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 **** that the provisional credit issued would be reversed. 
  
  On June 26, 2023, the provisional credit issued was reversed, and the account was debited in the amount of $249.00
  
  Between June 27, 2023 and July 19, 2023, **** contacted us requesting to reopen their dispute. As a result, multiple rebuttal investigations were opened. As of our latest decision on July 22, 2023, our determination remained that no error occurred.
  
  Upon receipt of ****'s complaint, we have escalated the referenced dispute 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: 08/17/2023

   
  Complaint: 20430636
  
  I am rejecting this response because:
  I never authorized this transaction. I dont even have phone insurance. It shows it is an insurance through ********** I have never had ********* I have cricket wireless as my provider and I never buy phones from them or have insurance with them so therefore I buy a new phone if mine breaks. This transaction showed to be in ************. I have never been there. The last time I have been out of the **************** was March 2023. You can look at my declined transactions with my card through chime. I had multiple transactions where my card was hacked and people was trying to use it but I kept my card locked. But I had just used my card at Mapco to buy drinks and forgot to lock my card back. And thats when my card was fraudulently used. Multiple times I have gave Chime the information needed to solve this case. They keep coming back with the same result, that it is not a fraudulent charge. I dont see how they keep coming up with this, because from my research it has happened to a lot of people. I feel like Chime is not even trying to get my money back. I have a wife and 4 kids and I work hard for my money. And I just want my money back that was stolen from me. 
  Sincerely,
  
  ***********************

  Business Response

  Date: 08/23/2023

  Thank you for giving us the opportunity to follow up on ***********************' BBB complaint.
   
  Between June 27, 2023 and July 19, 2023, *********;made multiple requests to reopen the investigation. Each time, we notified *********;via email that we concluded the review of the rebuttal claim and determined no error occurred. 
   
  On August 17, 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 $249.00 was posted to ***********;account on the same day.
   
  We thank you for the opportunity to respond to ***********************' complaint. If *********************;continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 08/25/2023

  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.
  
  Sincerely,
  
  ***********************