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:05/04/2023

  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.

  File A Dispute the first of April 2023. The merchant agreed to pay the money I also have a email from chime stating this. My account was negative. I have called the dispute department several times finally got a rep to understand what I was talking about. Chime y'all are crooks. I shouldn't have to wait on my money. ******* from the dispute department said this was y'all fault. Y'all need to fix this. I will go on every review site and let the world no about this.

  Business Response

  Date: 05/24/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **************************
  
  On April 25, 2023, an email was sent to ***** stating that a temporary dispute credit was added to their account. This information was inaccurate and we apologize for this experience. Because we value ***** as a member, we provided a one-time courtesy credit to their account on May 4, 2023. As such, we 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 ********************************.
  

• Initial Complaint

  Date:05/04/2023

  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 march 1st 2023 someone hacked into my chime account and took $266 @4:46pm $299@4:45pm and $300@4:44pm while i was in the shower i forgot to turn off my transaction because i usually do. I filed a transaction dispute that same day and every since they keep denying my claim without investigating it the person didnt even have a legit email it just say Hilasamoran@email i worked hard for my money and someone just took it all and left me with $2.80. Im still fighting to get my money back but chime is giving me a hard time so can you please help me?

  Business Response

  Date: 05/23/2023

  ***************************************;
  Internal
  Assign
  
  
  
  Thursday 10:26 am
  Please disregard the response above. Dates are incorrect for the document request. Updated response below.
  
  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******************
   
  On March 1, 2023, Necoll contacted ** via phone regarding three Pay Anyone transfers totaling $865.00 which ****** stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On March 2, 2023, we notified Necoll via email that we completed our investigation and based on the information available, we determined that no error occurred. On the same day, ****** requested a copy of the documents we relied on in making our determination which were forwarded to the email on file on March 7, 2023.
   
  Between March 2, 2023 and April 23, 2023, Necoll made multiple requests to reopen the investigation. As of our latest decision on May 5, 2023, we notified Necoll via email that our decision 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 ***************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 05/23/2023

   
  Complaint: 20019939
  
  I am rejecting this response because:If you guys look at this person who took my money have a email that doesnt exist. That right there should of been a red flag to chime. I wouldnt just let someone take all my money i had on my chime account that would be foolish. I worked for that money and someone just took it all and chime claiming to do an investigation seeing that this unknown person has a false email and they over looking that part making me think it was probably them that did this to me.so yes i will continue to reopen the investigation until my money is put back on my account.
  
  Sincerely,
  
  *****************

  Business Response

  Date: 05/28/2023

  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 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: 05/31/2023

   
  Complaint: 20019939
  
  I am rejecting this response because: as you can see this person was stealing my money by the minute i was in my bathroom taking a shower i didnt have my transaction off. I dont understand how they not seeing that this person stoled my money. im really starting to believe chime had something to do with this and i want them investigated too. They see that this person has a fake email and they not doing nothing about it. Its obvious this person is a scammer and im not giving up until this person is put away for this crime he did to me. And give back my hard earned money.
  
  Sincerely,
  
  *****************

  Business Response

  Date: 06/07/2023

  Thank you for giving us the opportunity to follow up on *****************' BBB complaint.
   
  We understand we have disappointed Necoll. We apprecaite their feedback but are unable to provide a credit for their disputed transactions. 
   
  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: 06/09/2023

   
  Complaint: 20019939
  
  I am rejecting this response because:Im not satisfied some stranger took my money without my consent i dont understand how you guys can't see this person has a fake email account that should of been a red flag to chime to see that its a hacker that took my hard earn money. I worked hard for my money
  That money was for my son funeral cost. Im so hurt and disappointed in chime for not investigating this throughly im not giving up until my money is back on my account so i can pay for my deceased son funeral cost.
  Sincerely,
  
  *****************

• Initial Complaint

  Date:05/04/2023

  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.

  my name is *************************** i am a former chime customer and have a complaint against practices of chime financial i recently applied to get a new account bank card from chime financial through the website i applied with my full government name full social security number i have applied for a new account because all of my credentials were compromised through the internet and wanted a fresh start.i spoke to an agent of the bank and chime financial says i am not who i am and that there is an account under my name which i had closed due to fraud activity and they have been problematic and heartache.i am also no longer in ********* of said bank card given at sign up.chime also claims i never lived at address used upon sign up i gave the agent my full social my birth date and phone number at the time which was ************* i had moved to a new device number at the time and have completely moved addresses now and at a new living situation, chime had not been helpful.i ask that chime remove my name and government credentials for bancorps file system and allow me to start new with a new bank card and new account or this issue should be escalated with financial penalty.my name is *************************** my address is ************************************************************* my social is 600-09-9726 i am asking that chime fix what is broken renew instant eligibility for a whole new account

  Business Response

  Date: 05/23/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
   
  Tony can only have one account at a time with Chime. If Tony cant access the account because they updated their personal information, we advise that they contact ** directly 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 ********************************.

  Customer Answer

  Date: 05/23/2023

   
  Complaint: 20019591
  
  I am rejecting this response because: I never updated my information and the address that I used when I signed up initially is the address I never changed.

   

  I closed my account and they kept it open during the pandemic and I lost all of my stimuluses. I am extremely upset with this business and want some sort of payback for my life turning in a horrible downward spiral because of Chime financial
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 05/29/2023

  Thank you for giving us the opportunity to follow up on ***************************** BBB complaint.
   
  Chime records confirm ****'s account was closed per their request on June 20, 2020. Please note, **** is welcome to reopen their account at any time through Chime. Chime is unable to generate a new account number for a member. 
   
  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: 05/31/2023

   
  Complaint: 20019591
  
  I reject this response because if I were to try and reopen  chime financial would give me difficulty and not help,but hinder. Furthermore chime has been recorded as being problematic with customers and is currently known to make account reopening more difficult per there writ as posted with Bancorp, their Filing Institution. It is not in chimes best interest to serve hopefully return clients.
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 06/07/2023

  Thank you for giving us the opportunity to follow up on ***************************** BBB complaint.
   
  We understand we've disappointed **** and we appreciate their feedback. 

  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:05/04/2023

  Type:Delivery 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 opened the car Amazon account under my name I tried to order stuff underneath my name and it wouldn't let me. So I went to my account seeing that there was a Switch Account button so I clicked on it and my name came up and another name came up of ***************************. So I clicked on *************************** and lo and behold it had my debit card number my address my name everything. So I Googled is it normal to have two names on Amazon account it replied yes that can happen. So I went ahead and placed an order and it was delivered to my house. Well there was an order of a VV electric bike for $602 and I did not order that bike so it's a fraudulent charge somehow someone ********* the purchase and I want my money back and I cannot get it resolved with Amazon for the life of me so I filed a dispute with my bank.

  Business Response

  Date: 05/23/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **********************************
   
  On April 21, 2023, ****** contacted us via phone regarding one (1) transaction totaling $802.87 which ****** stated was unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On April 30, 2023, we notified ****** via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  On April 30, 2023, ****** requested a copy of the documents we relied on in making our determination. We have escalated this matter for further review. On the same ******************** inquired about reopening the case, and a rebuttal claim was opened.
   
  On May 05, 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.
   
  On May 10, 2023, ****** inquired about reopening the case, and a rebuttal claim was opened.
   
  On May 21, 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 have escalated the dispute referenced in ******'s complaint 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 ********************************.
  

  Customer Answer

  Date: 05/23/2023

   
  Complaint: 20019323
  
  I am rejecting this response because:
  My Amazon account was hacked and someone by the name of ************************* made a purchase or purchases that came to $802.87. I did not make this transaction or authorized. Chime bank is so incompetent all I want is my money back.  I can't get anywhere with Amazon they told me to contact chime which I did and got nowhere.  Someone help me please. 
  Sincerely,
  
  *********************************

  Customer Answer

  Date: 05/25/2023

  Once again I'm not satisfied with chime response. 

  They need to reimburse me my money.  My Amazon account was clearly hacked and a large purchase was made by the name of ************************** 

  Please have chime reimburse me my money back. 

  Thats the only result I will accept. 

  Thanks 

  ****************************;

  Business Response

  Date: 05/31/2023

  Thank you for giving us the opportunity to follow up on ******************************;BBB complaint.
   
  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.
   
  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:05/04/2023

  Type:Sales and Advertising 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.

  Someone stole $4,849 out of my account. Everything I had to my name was totally wiped out of my account. The total of 24 transactions were processed all on the same day, 5/2/23. I was at work when I saw 24 notifications on my phone and was concerned in the charges so I tried to sign in with the same log in Ive had for 5-6 years. Chime couldnt recognized my sign in because someone changed my email and phone number. The hackers were located somewhere in ***** (I received an email stating that there was a sign in somewhere else) and I live in *******. I was devastated. Then I called chime to let them know what was going on. I could still see these transactions as Im on the phone with the representative. My heart dropped to my stomach when I was left with $3 on my account. This shouldnt have happened and I trust chime with my money. Im a single mom of two boys and that was all we had to get by. I need my money fully funded back into my account. Ive filed a police report, ***********. I also submitted a claim with CFPB as well. Action needs to be taken right away. Please help me.

  Business Response

  Date: 05/24/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ********************
  
  Claim ID: *******
  On May 2, 2023, ***** contacted us via phone regarding 2 transactions totaling $122.81 which ***** stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  On May 9, 2023, we notified ***** via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  Claim ID: *******
  On May 2, 2023, ***** contacted ** via phone regarding 15 transactions totaling $2,349.20 which ***** stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  On May 11, 2023, we notified ***** via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  We have escalated the disputes referenced in *****'s complaint for further review. ***** will be notified via email as soon as the investigation is completed.
  
  We thank you for the opportunity to respond to ***** Trans complaint. If ******************* continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 05/25/2023

   
  Complaint: 20018202
  
  I am rejecting this response because: I have not received any email regarding the process of my money. Its been over 2 weeks.  I lost $4800 and my claim was denied. No error occurred? How does that make any sense when the funds were taken out of my account without my consent. These transactions were unauthorized and chime did not work diligently to protect my money. I reject this. 
  
  Sincerely,
  
  *******************

  Customer Answer

  Date: 05/25/2023

  I did not understand the email I received regarding the response from Chime. They have not done anything and I dont know what else I need to do
  
  Please advise
  
  *****

  Business Response

  Date: 05/31/2023

  Thank you for giving us the opportunity to follow up on **************** BBB complaint.
   
  The rebuttal investigation is currently in process, and we are working to resolve ************;case as quickly as possible. Please note, the timeframe for the rebuttal process is 45 days and **********;will be notified via email once a final outcome has been determined.
   
  We thank you for the opportunity to respond to ***** Trans complaint. If ******************* continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************. 
  
  
  

  Customer Answer

  Date: 06/01/2023

  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:05/04/2023

  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.

  My bank account was hacked on April 25, 2023. Someone hacked in and changed my PIN number then moved all my savings into my checking account and spent everything on a staples in **. Now Im in ** and spent my card on lunch that day at 11:30am. Then at 3:30pm that day I receive several charges on my account from a staples in ** store number ****. Chime completed an investigation and according to them no error occurred. But as I explained to them Im in ** and couldnt possibly have been in ** that day by 3:30. This is completely ridiculous and that money was literally all I had.

  Business Response

  Date: 05/23/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **********************************
   
  On April 25, 2023, **********;contacted ** via phone call regarding (6) transactions totaling $2,200.00 which **********;stated were unauthorized transactions. We then opened an investigation into the matter and filed a dispute. 
   
  On May 4, 2023, we notified Sarah via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  On May 4, 2023, **********;inquired about reopening the case, and a rebuttal claim was opened.
   
  On May 10, 2023, we notified Sarah via email that we reopened the claim based on the additional information provided and determined that an error did occur. As a result, a credit in the amount of $2,200.00 was posted to *****************************;account on May 10, 2023.
   
  We thank you for the opportunity to respond to ****************************;complaint. If ***************************;continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 05/23/2023

  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:05/04/2023

  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 4/21/2023 my chime account was hacked for 6465..00 .My phone number was change without my permission or knowledge. My savings of ******* was transferred to my checking..My checking was drained of all funds. Chime returned ******* but refused to refund ******* cashapp transactions. Chime allowed 21 transactions to the same person within a 4min time frame. Chime did text me inquiring about the phone number change at 12:30 am. I was sleeping.

  Business Response

  Date: 05/23/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ************************
   
  On March 21, 2023, *** contacted ** via phone regarding twenty-three (23) transactions totaling $2,465.36, which *** stated were unauthorized. 
   
  On March 23, 2023, after the transactions settled on the account, we then opened an investigation into the matter and filed a dispute.
   
  On April 4, 2023, we notified *** via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  Between April 5, 2023 and May 18, 2023, *** made multiple requests to reopen the investigation. 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.
   
  On May 18, 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 complete our investigation. We will notify *** via email upon conclusion of our 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:05/04/2023

  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.

  Days ago I completey ruined my phone. After getting a new one, I was not able to log into my chime banking at all. Not through web nor phone solely because of my phone number. This means I do not have access to my money because chime serves as my banking organization. Ive confirmed my social security number, address, email, provided a photo of myself with my ID. Explained that my phone is in my boyfriends name with a photo of the receipt showing the ************* AND phone number and they are refusing to allow me access to my money because the phone is not in my name. If they do not respond to this allowing me access to my account I will gladly pay to *** them. As I have provided more than enough. Even if they want to be weird about the phone number the LEAST they could do was allow me to log into my banking with my email and password. I cannot move funds around. I just had a payment for my classes declined and I have about 800 in my savings that I cannot touch.

  Business Response

  Date: 05/02/2023

  ************************* 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 you are currently trying to update your phone associated with your account. Per **********************'s procedures, they have requested either a bill showing the phone number and your name, or the number connected to a family plan, in order for Chime to make that number available for use.
  
  Chime indicates that as of May 1,2023, you have not provided this documentation, so Chime is unable to fulfill your request.
  
  If you wish to cancel your ****************************** would be happy to mail you an expedited refund check for the remaining checking/savings/credit builder balance. Chime encourages you to respond to the email sent on May 1 if you have further questions or concerns.
  
  Chime and *********** place great importance on providing an excellent customer experience. Please contact ********************** ****** Services at ************ if you have any further questions or concerns.

  Business Response

  Date: 05/24/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
   
  Chime generally allows members to update their phone number through the Chime mobile app. If a member is unable to complete this process, we may request specific information to confirm that the phone number is associated with the member. If this information is not provided, we're unable to update the phone number. 
  
  If a member is unable to update their phone number, we can close their account through **********************. This can be done by email 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 ********************************.
  

• Initial Complaint

  Date:05/04/2023

  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 use Chime as my primary banking provider, they work in conjunction with ************ In late November of last year, I had Chime cut and mail a check to my landlord to cover my rent for the month of December. This was done through a Chime feature, known as Mail A Check, and it is one of the services provided through money movement. This check either never arrived at the correct location or was stolen or was applied to the wrong account by my landlord. I was not made aware of this issue until January of this year. At this time, I reached out to Chime and asked for information regarding this transaction. I specifically needed the transaction number and most importantly the check number and the proof of the cancelled check where it had been deposited (as it showed in my account that the check had in fact gone through). Over the last four months, I have been promised multiple times that the images of the cancelled check will be emailed to me. This has still not taken place. I was threatened with eviction because of an unpaid month's rent and despite showing in my bank statement that the payment went out to my landlord, they would not accept that proof without the check number and/or the image of the cancelled check. I am asking that this situation be resolved ASAP, as I am still facing penalties from my place of residence, because I cannot prove to them that my payment was sent and sent on time. This is a simple matter for any Bank. All that needs to be done is that proof of a canceled check be provided so that it can be shown whom cashed that check. It is ridiculous to me that I have been wrangling for FOUR months to get such a simple matter resolved.

  Business Response

  Date: 05/02/2023

  ************************* 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 November 29, 2022, a $218.00 Mail a Check payment was sent at your request to ************* at *****************************************************************************, with the account number "*******************************".
  
  **********************'s records indicate this check was cashed by the recipient on December 14, 2022.
  
  On February 13, 2023, you contacted Chime via email and requested a copy of the check. On March 6, an agent told you the request was escalated which does not appear to have occurred. Due to agent error this was never followed up on even after you requested it repeatedly.
  
  On May 1, after review of your complaint, Chime sent you a copy of the check indicating the check was cashed by the merchant. Chime apologizes for your experience and the delay in providing you with a copy of the check image.
  
  Chime and *********** place great importance on providing an excellent customer experience. Please contact ********************** ****** Services at ************ if you have any further questions or concerns.

• Initial Complaint

  Date:05/04/2023

  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 started banking with chime beginning of 2023. I opened a chime credit builder account and was told I would using my OWN MONEY not borrowing and I wouldn't be charged anything. It would also help my credit. I have been charged over $4,000 for transferring money to the credit builder. My kids father has recently DIED that was the money I received for my children and now we are going to be homeless in 30days!!! I need my money back now!!

  Business Response

  Date: 05/23/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
  
  On February 14, 2023, Deanna elected to enroll in Move My Pay. Move My Pay is an optional Credit Builder feature that allows members to automatically move a set amount from their Checking Account to Credit Builder whenever they get paid. Deanna can always make changes or move money between their Chime accounts at any time.
  
  Funds ****** moves into their Secured Account from their Checking Account increases their available to spend by that amount, minus any outstanding spending that has not yet been paid, therefore the amount ****** has in their Secured Account may not be the same as their available to spend. The funds from ******'s Secured Account are not immediately used to pay for purchases used on their Credit Builder card. Instead, those funds are used to pay ******'s balance automatically on their payment due date.
  
  If ****** wishes to change the Move My Pay setting, they may also do so in the ****************** > Credit Builder card section of the settings.
  
  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 ********************************.