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:06/19/2023

  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.

  On the date of 6/19/2023 Chime gave me an abrupt notification that they have CLOSED MY ACCOUNT AND STOLE MY MONEY WITH ZERO WARNING OR PROPER REASONING! I immediately contacted Chime via email and phone to gain resolve and access to my account/money and they met me with a fraudulent notice of a bogus violation. I have not broken any agreed to terms, policies and agreements and have only deposited and transferred funds within my account within my personal right and legal justification. Chime has never tried to reach out to me beforehand this date about this regard and refuse to provide to me my money before 30 days' time. This is an act of theft and fraud! I emailed them stating I want access back into my account to transfer my funds or rushed check with my money, and I have had zero reply.

  Business Response

  Date: 06/29/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **************************
   
  On June 18, 2023, after a complete review of ******** account, we determined that the 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.
   
  A refund check for the remaining balance on the account was processed on June 22, 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:06/18/2023

  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 closed my checking account with over **** dollars in it citing that I did not comply with their account deposit terms. They stated they would not allow me to withdrawal my funds and I would need to wait 30 days or more to receive a check by mail. When I informed them I moved they refused to correctly update my mailing address in their system. I informed them the money was for car repairs and medical treatment. The way I was treated by this company is criminal.

  Business Response

  Date: 07/08/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******************************
  
  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.
  
  On June 30, 2023, a check for the remaining balance on Christophers account was mailed to them.
  
  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:06/18/2023

  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.

  04/13/2021 Account was suspended without any warning or explanation 04/14/2021 received email stating my account would be closed and I had 5 days to get my funds, due to some internal policy with stride bank . I have contacted chime non stop since 04/13/2021 in regards to releasing my funds. I have sent emails and uploaded through secure links from chime agents , and got confirmation of the requested documents and was told it would take 4 hours. Nope i am being sent in a circle each time. I have well over 7k combined in my checking account and savings. I have screen shots and emails to support my complaint of every single communication that I hav with chime. Also every member service rep and supervisor name and summary of the conversations noted with ticket id number date and time as well as length of conversations since the day my account was suspended. I have done everything on my end to clear up any questions or concerns that might have arisen leading to my account being suspended 04/13/2021 . I provided everything requested promptly right away once it was requested since 04/13/2021 up until 06/18/2023. I have continuously tried to resolve this issue with chime and *********** but they are refusing to resolve this , and Im not understanding how Chime / stride bank could be allowed to ABANDON & ABUSE THEIR PRACTICES and mislead customers to trust their bank , and expect fr us as customers meet their expectations and what they seem fit , instead of meeting their policy guidelines. I feel as if I was robbed ,bribed and took advantage of through out these years of fighting for my money to be released.There was suspicious activity concerns, ok so I provided EVERYTHING.If chime or stride dont release my funds I am asking for bbb to please help me with bringing this to EVERY NEWS ,PRESS ,MEDIA, THE REGULATORS OVER CHIME BANK/ stride, FEDERAL RESEVE SO THAT THEY ARE AWARE . SO IM ABLE TO BE HEARD AND BRING FAIR PRACTICES TO THOSE GOING THROUGH THE SAME!

  Business Response

  Date: 06/28/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **************************
  
  On April 14, 2021, during a routine monitoring of accounts, Chime's partner bank, ************ N.A., identified some unusual activity regarding the amount and/or origin of certain funds which were deposited to Bryneecas Chime account. As a result, a hold was placed on the account and documentation was requested from Bryneeca that could verify the source of the funds deposited.
  
  Between June 15, 2023 and June 28, 2023, ******** submitted some of the requested information for our review.
  
  The account remains suspended and is not eligible to be re-enabled or for a refund check until Bryneeca provides valid copies of the required documents. Chime is unable  to take any further action at this time without approval from ************ N.A..
  
  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: 06/30/2023

   
  Complaint: 20203673
  
  I am rejecting this response because:
  
  Sincerely,
  
  *************************

  Customer Answer

  Date: 06/30/2023

  
  Complaint: 20203673
  
  I am rejecting this response because:
   
  CHIME IS A SCAMMING LIAR , CHIME/STRIDE JUST WONT DO THEIR PRACTICES FAIRLY . I GOT EVERY PIECE EVIDENCE TO SUPPORT WHAT I SAY AND HAVE BEEN PUT THROUGH BY CHIME/STRIDE BANK . 
  
  For starters ; 
  I have been reaching out to chime since 04/14/2021 please view the attachments . Unfortunately Im not able to attach all the attachments due to the size limit .
  thankfully I have it because CHIME /STRIDE bank would try and stick to saying I barely after 3 years provided them documents they requested. 
  I have provided them with everything and chime is continuing to find something to make up to not release my funds . 
  
  Not to mention they sent me a email ON 04/14/2021 after suspending my account 04/13/2021 stating I have 5 days to get my money out . They lied clearly 5 days from the notice dated 04/14/21 would be the 04/19/2021 please see attachment email on 04/14/21 04-15/21 and 04/16/2021. They told me one thing and did what they please this is screaming unfair practices. 
  moving forward 
  heres what I provided 
  DRIVERS LICENSE CARD BOTH FRONT AND BACK (my madien last name which I opened the account in and MY NEW DL WITH my marriage last name) 
  ME HOLDING MY DRIVERS LICENSE CARD WITH A PAPER WITH MY NAME AND DATE ON IT 
  MY SOCIAL SECURITY CARD 
  MY MARRIAGE LICENSES -BECAUSE MY SSN CARD SHOWS MY MARRIAGE LAST NAME. 
  
  I PROVIDED THEM WITH A STATEMENT OF THE ***** OF FUNDS AND INTENDED PURPOSES . ALSO WITH THE PROMISSORY NOTES . -WHICH IT SHOWS ME AS THE BORROWER. MY BANK ACCOUNT INFO FOR MY FUNDS TO BE DEPOSITED INTO WHICH WAS MY CHIME CHECKING ACCOUNT.  
  
  I PROVIDED MY incorporation ARTICLES OF ORGANIZATION FROM THE Secretary of the state .  
  
  I reached out to stride bank and spoken with ***** FROM RISK MANAGEMENT 
  *********************
  06/29/23 email with a follow up stating our conversation and she stated STRIDE BANK DO NOT do HOLDS OR HAVE ACCESS To CHIMES ACCOUNT I WOULD HAVE TO DEAL WITH CHIME . 
  
  so why did CHIME RESPONSE TO MY COMPLAINT LIEING AND STATING THEY HAVE TO WAIT ON THE PARTNER BANK STRIDE ??? 
  
  
  with all this being said ima once again send these documents to ********************************! 
  

   

  IF MY attachments dont upload successfully supporting my complaint via internet then I will fax right away 
  Sincerely,
  
  *************************

  Customer Answer

  Date: 06/30/2023

   
  Complaint: 20203673
  
  I am rejecting this response because:

  Please see the attached

  Heres some documentation communication with me and chime , -this is not all my documentation I have way may . In which I can provide to support my complaint 

  
  

  Heres a few of the ticket numbers from chime through the years of being ran in circles -please note that I have over 20 more ticket numbers I also have every one I spoke to name and supervisor  

  
  69385805-

  69466744-

  69471400-

  69468254-

  69472253

  69383745

  32683712

  69498973

  69494760

  69582833

   

  
  THEY ARE NOT REVIEWING MY DOCUMENTS IN WHICH I CONTINUE TO SUMBIT . IM GOING TO RESUBMIT RIGHT AWAY . However THEY HAVE TOLD ME THIS SINCE 04/14/2021 .CHIME /STRIDE IS LIEING. I JUST NEED MY FUNDS RELEASED TO ME IF THERES A DOCUMENT IN QUESTION THEN PLEASE LET ME KNOW SO THAT I CAN PROVIDE A SUPPORTING DOCUMENT TO CLEAR ANY QUESTIONS INSTEAD OF HAVING ME SEND THE SAME DOCUMENTS OVER AND OVER . 

   

  IF MY COMPLAINT REMAINS UNRESOLVED WHAT STEPS ARE NEEDED FOR BBB TO HELP ME WITH Arbitration . 
  Sincerely,
  
  *************************

  Business Response

  Date: 07/11/2023

  Thank you for giving us the opportunity to follow up on *************************' BBB complaint.
  
  The account remains suspended and is not eligible to be re-enabled or for a refund check until Bryneeca provides valid copies of the required documents. Chime is unable to take any further action at this time without approval from Stride Bank, N.A..
  
  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:06/18/2023

  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.

  CLAIMS 3706304,3706659 While incarcerated, chime allowed someone to steal my money and spend ridiculous amounts of my money.Althought I provided OVERWHELMING PROOF THAT I DIDNT DO THIS AND THAT THE THIEF HAS BEEN CHARGED THREW MY OWN INVESTIGATION,CHIME STILL REFUSES TO GIVE ME MY MONEY BACK WHICH HAS CAUSED EXTREME HARDSHIP IN MY LIFE!Chimes reasoning says the complete opposite of what I provided.They images are listed above

  Business Response

  Date: 08/03/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******************************
   
  Claim ID: *******
   
  On February 18, 2022, ************;contacted us via phone regarding seventy-two transactions totaling $4,222.54 which ************;stated were unauthorized. We then opened an investigation into the matter and filed a dispute. 
   
  On February 19, 2022, we notified Jeffrey via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  Between May 12, 2023 and June 28, 2023, ************;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. 
   
  On June 28, 2023, ************;requested a copy of the documents we relied on in making our determination which were sent to the email on file on July 23, 2023.
   
   
  Claim ID: *******
   
  On February 18, 2022, ************;contacted us via phone regarding twenty-eight transactions totaling $7,094.66 which ************;stated were unauthorized. We then opened an investigation into the matter and filed a dispute. 
   
  On February 19, 2022, we notified Jeffrey via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  Between May 12, 2023 and July 23, 2023, ************;contacted us requesting to reopen their dispute. As a result, multiple rebuttal investigations were opened. As of our latest decision on August 1, 2023, our determination remained that no error occurred.
   
  On June 28, 2023 and July 23, 2023, Jeffrey requested a copy of the documents we relied on in making our determination which were sent to the email on file on July 23, 2023 and August 1, 2023.
   
  We understand this is not the resolution ************;was seeking, but we are confident the investigations of the claims were 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: 08/04/2023

   
  Complaint: 20203446
  
  I am rejecting this response because:
  The information that chime used to make a decision is INCORRECT.CHIME SAID THAT THEY DONT HAVE THE PERSON NAME WHO HAD MY CARD WHEN ITS DIRECTLY IN THE POLICE REPORT. AS WELL AS DOESNT EVEN GIVE A REASON WHY MY CLAIM WAS DENIED..THE INFORMATION THEY USED TO MAKE A DETERMINATION IS ATTACHED.
  Sincerely,
  
  *****************************

  Business Response

  Date: 08/09/2023

  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. If ************;still does not agree with the outcome of the claims, 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: 08/10/2023

   
  Complaint: 20203446
  
  I am rejecting this response because:LOOK AT THE ATTACHMENTS I PROVIDED,THERE IS A POLICE REPORT SHOWING THAT SOMEONE HAS ACTUALLY BEEN CHARGED WITH THEFT DUE TO THIS SITUATION,YET CHIME ISNT ACKNOWLEDGING THE **** THAT I HAVE PROVIDED OVERWHELMING PROOF THAT THESE CHARGES WERE UNAUTHORIZED.CHIME STILL HASNT GIVEN ME THE REASON MY CLAIMS WERE DENIED.I GAVE PROOF THAT IT WAS IMPOSSIBLE FOR ME TO MAKE THESE TRANSACTIONS AND I HAVE PROVIDED A STRONGLY DETAILED POLICE REPORT WITH THE THIEFS NAME AND CHARGES.CHECK THE ATTACHMENTS AND GIVE ME MY MONEY!
  
  Sincerely,
  
  *****************************

  Business Response

  Date: 08/16/2023

  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 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: 08/17/2023

   
  Complaint: 20203446
  
  I am rejecting this response because:With all the paperwork and proof that I provided,chime still hasn't given me an explanation on why my claims were denied.I will never give up on this and I'll seek further legal action.
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:06/17/2023

  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.

  On 5/24/23 I reported to my chime banking dispute team that I had ordered food from Uber eats however my order was never delivered and I was still charged $47.30. I provided chime with multiple screen shots showing my order was never picked up or brought to me and the issues I was having with Uber eats help chat. On 6/17/23 I received an email from Chime stating that my dispute was denied and no errors were made. I should be issued a full refund because I never got my order and I had screenshots showing that. *** also explained to them that **** eats has said they were going to reach out to resolve this and never did. Even in my BBB complaint of Uber eats they say the same thing yet nothing has been resolved.

  Business Response

  Date: 07/04/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******************************
   
  On May 24, 2023, *************;contacted us via phone call regarding a transaction totaling $47.30 which ****************************;stated was a non receipt of goods or services. 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 17, 2023, we concluded our investigation and determined no error occurred. *************;was notified of this 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 ********************************.

• Initial Complaint

  Date:06/17/2023

  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.

  -occurred on 6/15/23 -$102.11 stolen from my account AFTER receiving a text from chime to confirm charges which i -denied and said was not me, they still released the funds.-as a financial tech company that pretends to be a bank, you are a SCAM. If you allow fraudulent transactions to occur, you need to make it right, I should not be the one who has to contact the merchant or do anything when I told you up front to not allow the transaction.-Chime has said they will file a dispute and I should hear back in SEPTEMBER -

  Business Response

  Date: 07/03/2023

  
  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *****************************.
   
  On June 17, 2023, Malique contacted us via phone regarding a transaction in the amount of $102.21 which Malique stated was a duplicate charge. 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. We are still awaiting a response from the merchant. The investigation is currently in progress and will be completed by September 15, 2023, and ******* will be notified via email of the results. 
   
  On June 18, 2023, we applied a provisional credit to Maliques account for the full amount of the dispute. This temporary credit was provided to allow Malique with full use of the funds while we completed our investigation.
   
  We thank you for the opportunity to respond to Malique Alleynes complaint. If Malique Alleyne continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.
  
  
  

• Initial Complaint

  Date:06/17/2023

  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.

  Took 200 out and never put back in account

  Business Response

  Date: 07/07/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******************************
  
  On June 13, 2023, ***** contacted us via application regarding a transaction totaling $200.00 which ***** stated was unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  On June 13, 2023, we notified **********;via email that we completed our investigation and determined that merchant credit totaling $200 was applied to the account on June 4, 2023. 
  
  Upon receipt of *****'s complaint, we have escalated the referenced dispute for further review. ***** 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 ********************************.

• Initial Complaint

  Date:06/17/2023

  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 received a fraudulent charge to my account for ****** dollars I contacted Chime closed the account filed a dispute with them twice both times they rejected the claim. Ive been with this company 6 years, they have gone down hill. This is not a legit bank there member services is automated. I have lost ****** dollars do to the negligence of this institution and will no longer be a member.

  Business Response

  Date: 06/27/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ********************************
  
  On May 17, 2023, Crispus contacted us via phone regarding a transaction totaling $390.00 which ******* stated was unauthorized. We then opened an investigation into the matter and filed a dispute. 
  
  On May 29, 2023, we notified Crispus via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  On the same date, Crispus inquired about reopening the case, and a rebuttal claim was opened.
  
  On June 16, 2023, we notified Crispus 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: 06/28/2023

  I do not feel a real person is viewing my claim as I am denied every time! The merchant said they would give me a full refund with a head letter from Chime that I never received only automated messages until over a month later! Now the merchant is insisting I go through disputing the charge through this bank because of how long it took to receive! This is not a good service their member service is almost 100% automated. Very hard to contact anyone for time sensitive matters and they will not dispute fraudulent charges Ive heard this from numerous members.extremely frustrating 

  Customer Answer

  Date: 06/29/2023

  ******** is my last name

  I do not feel a real person is viewing my claim as I am denied every time! The merchant said they would give me a full refund with a head letter from Chime that I never received only automated messages until over a month later! Now the merchant is insisting I go through disputing the charge through this bank because of how long it took to receive! This is not a good service their member service is almost 100% automated. Very hard to contact anyone for time sensitive matters and they will not dispute fraudulent charges Ive heard this from numerous members.extremely frustrating 

  Business Response

  Date: 07/16/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *******************************.
   
  On May 17, 2023, Crispus contacted us via phone regarding one (1) transaction totaling $390.00 which ******* stated was unauthorized. We then opened an investigation into the matter and filed a dispute. On May 29, 2023, we notified Crispus via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  On June 6, 2023, Crispus inquired about reopening the case, and a rebuttal claim was opened. On June 16, 2023, we notified Crispus 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 Crispus 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 ********************************.
  

• Initial Complaint

  Date:06/16/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received an email that an account was set up with Chime that I hadn't created. I called on 6/15/23 and they confirmed there was an account set up in my name with my birthdate and social security number. They advised me to report the identity theft then send them a copy of the report in order to get more details. They also cancelled the account. On 6/16/23, I emailed a copy of the identity theft report with a request for documentation pertaining to the account including information provided to open the account so that I know what info the perpetrator has. According to the government site I created the report with, I am entitled to this information by law. I have emailed back and forth requesting the info 4 times now and continue to get only form emails back (one even addressed to someone else and all with incorrect grammar). I am getting no actual responses or info about the account that was fraudulently set up in my name and with my info. I am not even sure of the validity of this business as I seem to be getting a run around and am now wondering if Chime itself is responsible for the fraudulent activity.

  Business Response

  Date: 07/06/2023

  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 ************* 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 an application for a Chime Checking Account using Tammys 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 June 15, 2023. In order to prevent further unauthorized activity, Chime additionally flagged Tammys personal information so no other accounts would be opened using Tammys 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 Tammys personal information was used to open the account in question, ********************** recommends ***** take the following precautions to monitor their identity:
  (1.) Review their annual credit report for any unauthorized accounts/activity
  (2.) Contact the major credit reporting agencies to place a freeze on their credit report
  (3.) File an identity theft report at ******************************
  
  Upon receipt of *****'s complaint, we have escalated their request to the appropriate department for further review. ***** will receive any updates regarding their request via email as soon as possible. 
  
  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: 07/10/2023

   
  Complaint: 20199442
  
  I am rejecting this response because: the documents requested from Chime (particularly documentation of the information that was used to open the account so that I know what personal information has been compromised) have still not been provided by Chime.  I did receive a form email indicating there would be a link to access some kind of information, but there was not a link included in the email so I have no idea what they were intending to send.  I have emailed explaining that the link was not provided, but have yet to hear back. Regarding Chime's suggestions of actions I need to take to monitor my identity, all were immediately taken when the incident was first reported.  I would still like a copy of the application for the account so that I know what information was used.  According to Section 609(e) of the Fair Credit Reporting Act, I believe this information should be provided to me. 

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

  Business Response

  Date: 07/16/2023

  Thank you for giving us the opportunity to follow up on ************************* BBB complaint.
  
  A copy of the documentation ***** requested has been uploaded to the BBB portal for their 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:06/16/2023

  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 an account with ******************** and my direct deposit was sent from my employer on 6/13/23 and it is now 634pm on 6/16 and I still haven't received my paycheck. I called chime on 6/14 and was told there was an issue with their 3rd party system but it was fixed and I should have my pay check in the coming hours. Never got it, I called on 6/15 and was told my check was never sent, which isn't true because I went to my payroll department and saw the proof and I still haven't received my check. I called today 6/16 at different times of the day and still no paycheck. I am on hold with them as I'm writing this complaint. Ever since I had to change my name on my account 2 weeks ago it has been nothing but problems. The supervisor's won't give the contact info for Bancorp which owns them so I can talk to them directly.

  Business Response

  Date: 07/06/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
  
  On June 15, 2023, ****** contacted us regarding a direct deposit they were expecting from their employer in the amount of $1,069.82, which ****** stated was not posted to their account.
  
  Our records indicate that the direct deposit that ****** referenced was returned to the sender on June 14, 2023. We recommend that ****** contact their employer for further information on their deposit's status. 
  
  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 ********************************.