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:07/06/2023

  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.

  as soon as my direct deposit hit my bank, a person to person transfer happened and when i got the notification i immediately called and was on the phone with chime for 3 hours trying to get it resolved, to no end, they filed a dispute but denied the dispute 3 times now, i reached out directly to stride as they ARE chime, and they have been no help, this is $2700 we are talking about! i am waiting to talk with an attorney to find out what my next steps are since ****** has not wanted to help either. after 3.5 years with chime/stride i never thought something like this would happen! they stole money and will not do anything about it, i even had 2 chime representatives tell me 1.) i was not the first person to call in with this issue and 2.) that their systems were having issues. but yet i still do not have my money back!

  Business Response

  Date: 06/28/2023

  ************************* 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 6, 2023, you contacted them to open a dispute claim for 1 Pay Anyone transfer in the amount of $2,700.00 that was sent to the incorrect recipient. On June 7, Chime concluded their review and notified you via email that they determined no error occurred. The same day, you requested to reopen the claim.
  
  On June 8, Chime concluded their review of the rebuttal claim and notified you via email that they determined no error occurred. You requested another claim reopening that rebuttal claim was denied on June 19.
  
  You requested another rebuttal the same day and Chimes reinvestigation concluded no error occurred.
  
  On June 26, you asked again to reopen the claim the rebuttal claim is open and under investigation as of this date.
  
  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: 06/30/2023

   
  Complaint: 20241513
  
  I am rejecting this response because:

   

  this does not resolve anything, if anything it shows that chime nor stride has even attempted to resolve this issue, i have called customer support and they are no help and barley understand english so i am not able to get very far, i have already gotten this SAME response from stride via email but after that they never email back.  chime has admitted to having system issues when this person to person transfer, that i did NOT authorize, happened, yet keep denying the claim. i need my hard earned money back and im sick of getting so actual response or help from chime nor stride, which is why i am here through the BBB now. 
  
  Sincerely,
  
  *************************

  Business Response

  Date: 07/22/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **************************
   
  On June 6, 2023, ****** contacted us via email regarding a Pay Anyone transfer totaling $2,700.00, which ****** stated was transferred to incorrect recipient. We then opened an investigation into the matter and filed a dispute.
   
  On June 7, 2023, we notified ****** via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  Prior to sending a Pay Anyone transfer, a member will be prompted to confirm the transaction. Once the transfer is sent, it cannot be canceled or reversed. It is the senders responsibility to ensure the information is accurate prior to confirming the Pay Anyone transfer request.
   
  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: 07/23/2023

   
  Complaint: 20241513
  
  I am rejecting this response because:
  i did not do this transaction, i am not sure what chime does not understand, my direct deposit hit my bank at 11pm(about), and then i got a notice to my phone a transfer took place IMMEDIATELY after my direct deposit happened, i called chime immediately, i was informed by a supervisor, after being on the phone for 2 hours trying to get help, that i was not the first person to call in saying this and that he filed a dispute and i would get my money back, that did not happen. i reopened the dispute and when chatting with another representative they again informed me they had been having system issues. (again chime admitting they were having issues) they reopened my dispute a couple times and still i never got my money back. at this point i am looking for an attorney that will take my case as loosing $2,700 took a car from us and food from my kids and almost cost us out house as well! chime AND stride have been no help, just copy and pasting generic responses. 

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

  Business Response

  Date: 07/29/2023

  Thank you for giving us the opportunity to follow up on ******************** BBB complaint.
  
  On July 6, 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 understand this is not the resolution ****** was seeking, but we are confident the investigations of the claim was properly conducted and resolved. 
  
  We thank you for the opportunity to respond to ******************** complaint. If ************************* continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************. 

  Customer Answer

  Date: 07/31/2023

   
  Complaint: 20241513
  
  I am rejecting this response because:
  this is all that is ever said in every email, and on every chat or phone call. there was most definitely an error, and they will not do anything about it! there are many other complaints just like mine where chime is fraudulently taking money and telling the account holders there was no error this was $2700 not $5 

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

• Initial Complaint

  Date:07/06/2023

  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.

  I have been to get my direct deposit from my job for hours now, i am late on rent and I need my money and chime at been getting my checks late or is a issue with a third party and it has happened several times where my check has came late. And Ive checked my my app where I can see my check stubs and it says I have been paid but chime saying its having issues and I need my money asap.

  Business Response

  Date: 07/14/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
  
  Our records show that the most recent direct deposit posted to ******************************* account was on July 6, 2023. 
  
  Please note that when a direct deposit is initiated by the sender, it goes through mandatory processing steps before arriving at Chime. Upon receipt of *****'s direct deposit, we post it to their Chime Checking Account Monday through Friday, excluding bank holidays.
  
  If ***** has further concerns regarding a direct deposit posting to their account, they may provide specific identifying information related to the deposit in question, and Chime will review 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:07/06/2023

  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 is holding their users paychecks. They are claiming it is a third party issue but they will not provide any further details on the matter. Some users that were supposed to be paid earlier in the week and some as early as last week have still not received their direct deposits. They were originally told it was because of the holiday, but tonight many of the apps users got word that it was due to a third-party company. This is absolutely unacceptable. People rely on chime to be able to pay their bills and feed their families. I hope this matter gets addressed as quickly as possible. I and many other users are planning to cancel our accounts with chime once we receive our paychecks. This is not the first time this has happened with chime as it happened back in October 2022. Chime has gone as far as blocking concerned users on social media as they face backlash which proves that they do not care and do not want to hear from their users about a huge mistake on their part.

  Business Response

  Date: 07/14/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
  
  Our records show that July 6, 2023, is the most recent date a direct deposit was posted to ******'s account.
  
  Please note that when a direct deposit is initiated by the sender, it goes through mandatory processing steps before arriving at Chime. Upon receipt of *************;direct deposit, we post it to Joshuas Chime Checking Account Monday through Friday, excluding bank holidays.
  
  If ****** has further concerns regarding a direct deposit posting to his account, he may provide specific identifying information related to the deposit in question, and Chime will review 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 ********************************.

  Customer Answer

  Date: 07/14/2023

   
  Complaint: 20280093
  
  I am rejecting this response because: I am more upset at how the company handled the situation. While I do not agree with the company for not being more transparent about what happened to millions of peoples paychecks, I was even more appalled to how they treated their customers. Their response addressed neither of my concerns mentioned in my original complaint. While I have had time to reflect more on the situation, I still wish that the company did more for their customers during that time. 
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 07/23/2023

  Thank you for giving us the opportunity to follow up on *************************** BBB complaint.
   
  Our records show that July 19, 2023, is the most recent date a direct deposit was posted to ******'s account.
   
  We appreciate ****** for sharing their feedback with us.  
   
  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:07/05/2023

  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.

  I contacted Chime to initiate a dispute against 2 merchants I did not recognize and the investigation came back that the charges were legit. I found a way to contact the merchants I was disputing and they told me that Chime never sent them a dispute at all, rather than sending out the diapute to the merchant theyre just stopping it in house, i have dozens of emails stating if im unhappy i can submit a rebuttal. Tired of the back *** forth, get me back my money!

  Business Response

  Date: 07/22/2023

  
  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ********************************
   
  On Jun 26, 2023, ******* contacted us via email regarding 2 transactions totaling $87.22 which ******* stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
   
   On Jun 26, 2023, we notified ********************* email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  From June 27, 2023, to July 6, 2023, ******* inquired about reopening the case, and each time a rebuttal claim was opened. At the conclusion of each rebuttal investigation, we notified ********************* 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 ********************************.

• Initial Complaint

  Date:07/05/2023

  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 has a feature of their mobile banking which makes it convenient to mail a check. Chime debits your account in the amount you choose and they mail a physical check on your behalf. I used this feature for the first time in February 2023 to pay back a disability overpayment. However, for whatever reason the disability agency told me they couldnt locate it and asked me for the check number. When I first got the notification that the check was mailed by chime to the payee. I reached out to chime support via email and told them that I needed the check images for my reference. They never sent it to me and it is now July 2023! But to make matters worse, when I ask for the check images or at the very least - the check number. They have to transfer me to several escalation supervisors rather than just providing the simple check number and date the merchant processed it!! It is now nighttime and Ive been trying to get this check number and images since 1pm this afternoon! This is very strange to me because how could a bank not have copies of a physical check image???? Let alone not know the check number??!!!!! My next step is contacting law enforcement !!

  Business Response

  Date: 07/22/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **********************************
   
  We have escalated *******'s complaint to the appropriate department for further review. We appreciate their patience while we review their 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:07/05/2023

  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.

  5/19/2023 my checking account was hacked and over 9K was stolen out of my account. So far they paid me back $4800 and still owe me $3352 they they denied paying me back!!! It was all done with in minutes and CHIME decided what they wanted pay me back and what they did not! The $1552 happened within an hour after midnight with 66 transactions to a ********* out of state that I do not live in! The other was an email transfer with a minute of 3 other transfers for $1800 and they decided to not just pay that one transaction!!!! They owe me a check for $3352!!!

  Business Response

  Date: 07/22/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******************
  
  We have escalated ****** disputes for an additional review. We appreciate their patience while we conduct this review. 
  
  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:07/05/2023

  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.

  We completed a wire transfer on July 3rd, 2023 - we have confirmation that the wire transfer was completed, and I do see the funds removed from our account. The recipient has stated that they did not receive their funds and the bank does not know where the funds are. We have a transaction ID for the wire to confirm it was made. I am requesting that the bank return our funds and I will process payment a different way as I do not trust this bank.

  Business Response

  Date: 07/22/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
   
  Chime does not currently support wire transfers. Any funds directed to a member's Chime account via wire transfer will automatically return to the sender. To send or receive funds internationally, we recommend using a third party service such as TransferWise.
   
  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:07/05/2023

  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 May 4th I went to a restaurant with family for a birthday celebration. I paid with my debit card and my mother went to the front unbeknownst to me and paid the tab as a gift in cash. I was assured I would get a refund on my debit however that never happened with the original merchant. I have reached out to chime, my banking institution for assistance. I was told the dispute claim was denied. Now twice. I requested the documents used to make this determination and it was just the receipt. I have told them this is a duplicate payment I need a refund.

  Business Response

  Date: 07/22/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***************************.
   
  On May 10, 2023, Kenyetta contacted us regarding a transaction in the amount of $213.08 which *************;stated was paid by other means. 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 18, 2023, we concluded our investigation and determined no error occurred. Kenyetta was notified of this on the same day.
   
  On June 27, 2023 and July 5, 2023, Kenyetta requested a copy of the documents we relied on in making our determination which were forwarded on the email on file on July 3, 2023 and July 12, 2023.
   
  Between June 27, 2023 and July 5, 2023, ******** also contacted us requesting to reopen their dispute. As a result, multiple rebuttal investigations were opened. As of our latest decision on July 5, 2023, our determination remained that no error occurred. 
   
  We understand this is not the resolution *************;was seeking, but we are confident the investigation of the claim was properly conducted and resolved. 
   
  We thank you for the opportunity to respond to ***************************' complaint. If ******** Mapps continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 07/23/2023

   
  Complaint: 20277049
  
  I am rejecting this response because: The information gathered is only my paid receipt.  I did make the payment but was also informed by the merchant I would be getting a refund due to the duplicate payment.  Chime didn't gather any supporting facts that would discredit my claim.  I need my money back 
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 07/29/2023

  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 investigation of the claim was properly conducted and 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: 07/31/2023

   
  Complaint: 20277049
  
  I am rejecting this response because: No proper investigation was done. I need a refund for the duplicate payment.  Gather both receipts for the duplicate transaction. 
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:07/05/2023

  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 6/30/23 I initiated a $500 transfer to my Venmo account. The funds were removed from Chime and sent to Venmo in a pending status. I have numerous transcripts and screenshots from chime reps telling me the funds went thru. Today Venmo shows it was canceled and the funds returned to chime but the funds are not there even tho chime says they are.

  Business Response

  Date: 07/22/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ************************** 
   
  Chime has no record of a settled transaction deducting funds from their Chime Checking Account to be deposited to their Venmo account. ********************** will investigate any missing funds provided proof those funds were deducted from their Chime Checking 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: 07/23/2023

   
  Complaint: 20277028
  
  I am rejecting this response because: I have tried numerous times to get help via chat and phone and all they do is transfer you to a so called special team, who then says the same thing. I believe they have bots running the chat not to mention it's extremely slow and lags. I have provided all the evidence several times and will add more. 
  
  Sincerely,
  
  *************************

  Business Response

  Date: 07/29/2023

  Thank you for giving us the opportunity to follow up on ***************************;BBB complaint.
   
  We understand that this is not the resolution ******* was seeking, but based on our investigation, Chime has no record of a settled transaction deducting funds from their Chime Checking Account to be deposited to their Venmo account. If ******* will provide proof of those funds were deducted from their Chime Checking Account, ********************** will investigate any missing 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 ********************************.

  Customer Answer

  Date: 07/31/2023

   
  Complaint: 20277028
  
  I am rejecting this response because:

  I have given you proof multiple times. The screenshots were included. I'm tired of the games. This was on June 30th for crying out loud. Then you go and take $500 from my boyfriend's account which is absolutly illegal as nothing was disputed with him. I attached his screen shot and you need to give him his money back. You literally puckefba random transaction in the amount of $500 to get money back to me but that's illegal. This needs to be fixed today. I never ever disputed that charge. 
  
  Sincerely,
  
  *************************

  Business Response

  Date: 08/14/2023

  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 transfer were properly conducted and resolved. 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: 08/14/2023

   
  Complaint: 20277028
  
  I am rejecting this response because they have closed my request and won't return the $500 they took while investigating my claim.They don't even know where the $500 they don't even know where the $500 that they requested cashapp take from my boyfriend's account went. I never received and he never got it back! You did this while trying to resolve my issue.i never disputed any cash app transactions.it was *****. See you in court!
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:07/05/2023

  Type:Billing 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 have been a member of chime since 2019 And I only made 3 disputes with this time frame of being a chime member. I recently had my device stolen and charges were made to my account I dispute these with chime there were denied with out any efforts to resolve this matter. I called customer service to resolve this issue I was met with scripts of how this claim was denied so I called Amazon within two minutes Amazon confirmed that these charges were authorized by another person. After this matter was brought to there attention back at chime my spot was removed as well and I was told it was removed due to my ineligibility but if that was the case I would been ineligible before I made the dispute claim. But either way I will be closing my account soon and I dont. Recommend anyone use this service unless you want your money stole and get disconnected from any customer service when asking about your money . This company need to be stoped and I highly recommend not to bank with these scammers.

  Business Response

  Date: 07/22/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **************************** 
   
  On July 4, 2023, ******** contacted us via phone regarding four (4) transactions totaling $48.14 which ***************************;stated were unauthorized transactions. We then opened an investigation into the matter and filed a dispute. 
   
  On July 4, 2023, we notified *************;via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  On July 5, 2023, *************;inquired about reopening the case, and a rebuttal claim was opened.
   
  On July 8, 2023, the merchant 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.
   
  On July 12, 2023, we notified *************;via email that we completed our investigation and based on the additional information provided, we determined an error occurred. As a result, we also notified *************;that the provisional credit issued on July 8, 2023 was now considered permanent.
   
  In addition, members can remain eligible for SpotMe by receiving a single qualifying direct deposit of at least $200 every month. Since *************;received their last qualifying deposit on May 24, 2023, SpotMe was automatically disabled. To regain access to SpotMe, *************;must receive a qualifying direct deposit. 
   
  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: 07/23/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and this company customer services all laughed once I said I was gone leave a bad report on the company for the fraudulent business that was done. Now they want to fix it to late and to bad this company chime is terrible and I will never use there banking services again.
  
  Sincerely,
  
  ***************************