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:05/02/2023

  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 April 18th, 2023, I received a text asking if I had tried to use my debit card at ******* for $400 to which I replied no. Shortly after, I received a phone call from a 800 number, so I answered, and it was someone claiming to be a Chime representative. I believed him, because he knew the last 4 of my social, and the last 4 of my debit card. Shortly after my phone call, I got an email stating my "Spot Me" amount had been increased to $80. That's when I knew!!! I called Chime instantly! I called and the first girl that answered, I said, please tell me you have documentation of someone calling me regarding fraudulent charges on my account (which I already knew the answer to this unfortunately) to which she responded with, no ma'am, we've had a lot of calls about that today. Anyway, after about an hour later and 4 Chime reps later, I was able to file a dispute. I sent over the documentation they asked for, which was a screenshot of the text I received, a screenshot of the number that called me, and a screenshot of a transfer of $500 to a specific (470) area code number that was actually refunded instantly I'm assuming by the person who received it.Fast forward to 5/1/23, I get a response that my dispute had been denied stating they found no error! The transactions took place at 3 ********* locations in *******, ** totaling $1,942.26!! I have now been in contact with *********, since Chime decided to suggest that to me last night when I called to appeal the decision of the dispute!! I have since sent over documents stating I was no where near ** on the mentioned date since I live in ************! I'm thinking Chime got hacked and they are refusing to say anything. How else would the person know EVERYTHING Chime uses to verify my identity!! Not to mention, how did the scammer know I even have a Chime bank account?I'm a single mother of two and just want MY money back that I earned!!

  Business Response

  Date: 05/12/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by Ashlee Reading.
   
  On April 18, 2023, ****** contacted ** via phone regarding twenty seven (27) transactions totaling $1,942.26 which ************** stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  On May 1, 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 dispute referenced in ******'s BBB complaint. We appreciate ******'s patience while we review their dispute. 
   
  We thank you for the opportunity to respond to ****** Readings complaint. If ****** Reading continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.
  

  Customer Answer

  Date: 05/14/2023

   
  Complaint: 20007127
  
  I am rejecting this response because: I now got another response from the reopened dispute, that no error was made!!!! Even though I sent everything I could possibly use, even called the merchant that the transactions were made, which was no use, they did absolutely nothing to help me!

  I wouldnt recommend Chime to my worst enemy!
  
  Sincerely,
  
  Ashlee Reading

  Business Response

  Date: 05/21/2023

  Thank you for giving us the opportunity to follow up on Ashlee Readings BBB complaint.
   
  On May 14, 2023, Ashlee inquired about reopening the case, and a rebuttal claim was opened.
   
  On May 15, 2023, we notified Ashlee 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 $1,942.26 was posted to *************;account on May 15, 2023.
   
  We thank you for the opportunity to respond to ****** Readings complaint.
  
  
  

• Initial Complaint

  Date:05/02/2023

  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.

  On the 26th of ************* took out an indisclosed amount of money from my bank and my bank was notified by me and by ******* as far as my understanding goes but they refuse to do anything about it so I am contacting you guys for help all I want is my money back because I have bills to pay and children to feed this has been a huge inconvenience for me seeing as how I am disabled and cannot get around

  Business Response

  Date: 05/12/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **********************
   
  On April 27, 2023, Dwana contacted us to inquire about the status of a refund of $536.37 from Walmart. We informed Dwana that canceled pending transactions can take up to 5 business days to expire.
   
  On May 4, 2023, the transaction that Dwana referenced expired, and the funds were returned to the account. Please note, expired authorization holds do not appear on a members accounts and are not listed as a refund on members statements.
   
  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:05/02/2023

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My name and email address were fraudulently used to create a Chime account. On May 2, 2023, I received three emails from Chime in quick succession, stating that I had opened a Chime bank account, set up direct deposit, and attempted to log into the account. I have never heard of Chime before, and did NOT open this account nor provide any direct deposit details, nor did I attempt to log in. I have reported this fraudulent account to ********************** and asked that they close it immediately. I am awaiting a response from them.

  Business Response

  Date: 05/21/2023

  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 Alisas 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 May 3, 2023. In order to prevent further unauthorized activity, Chime additionally flagged Alisas personal information so no other accounts would be opened using *****'s 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 Alisas personal information was used to open the account in question, ********************** recommends ***** take the following precautions to monitor their identity:
  Review their annual credit report for any unauthorized accounts/activity
  Contact the major credit reporting agencies to place a freeze on   their credit report
  File an identity theft report at ******************************
  
  We thank you for the opportunity to respond to *************************** complaint. If *************************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  Customer Answer

  Date: 05/24/2023

  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:05/02/2023

  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.

  This is in regards to my dispute #*******.I provided a police report AS WELL as an *** report on these unauthorized transactions:It got denied initially, with no explanation why, and now its in rebuttal, and I HAVE NOT received my temporary credit.I am demanding my temporary credit due to me under regulation E

  Business Response

  Date: 05/12/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******************************
   
  On April 10, 2023, ****** contacted us via chat regarding multiple transactions totaling $1,410.56 which Pierre  stated was unauthorized. We then opened an investigation into the matter and filed a dispute. On April 18, 2023 we determined the transactions appeared authorized and ******'s dispute was denied. 
   
  As our dispute investigation was concluded within ten business days, no temporary credit was required. 
  
  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:05/01/2023

  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.

  So recently my chime account was over drafted and charged twice according to someone on the dispute teams. I believe ***** was his name. and for some reason it was over the $25 set limit (Image 1), and my account was over the limit by $*****. Making my account ******, note that the second transaction of ***** appears no where on my account on ********************. (Image2). I initially filed a dispute and was given claim number ********, and on 3-1-23 I received an email that the funds had been returned (image 3). On 2-27-2023 a deposit had covered ****** and I received an email confirming my new balance (image 4). I waited 7 business days and called several times in between and was assured the funds would return in 7 business days, I waited 10 business days and still have not been sent the funds. After being very patient I called customer service again and spoke to a ******* and had to go through everything that I had already been through to file another dispute, claim number ******** and I was told I would receive an email about this claim in 24-28hrs on 3-13-2023, after calling about the second dispute it had been settled in my account and no communication of it and still no money has been returned. It is currently 4-23-2023 and I have still not received my funds. I have tried to contact them and they keep giving me the run around. I believe this instant has occurred several times and this is the only one I have solid proof of, I believe they have taken alot from me as this has happened several times. Note: images may not be in order as I have sent this to them and another government site.

  Business Response

  Date: 05/19/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
  
  On February 18, 2023, a transaction totaling $90.09 was charged and put in a pending status on the account.
  
  On February 19, 2023, a transaction totaling $90.09 was charged and put in a pending status on the account.
  
  On February 21, 2023, one (1) of the transactions in the amount of $90.09 settled and posted to the account. Additionally, the other transaction in the amount of $90.09 expired and the funds were returned to the account, available to spend. 
  
  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:05/01/2023

  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 Feb 21,2023 Funds were stolen from my account, I immediately reported the info and was told i CANNOT Dispute a pending charge , I waited 3 days later when it settled and Filed the Dispute, 2 Months Later and My Claim has been denied 12 times and i continue to rebuttal they havent issued a provisional credit which I HAVE BEEN PROMISED EACH TIME I CALL IN.I HAVE REACHED OUT TO BBB, *********** && chime tells them they are still working on my case

  Business Response

  Date: 05/21/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ************************
  
  On February 23, 2023, Akayla contacted us via phone regarding one (1) transaction totaling $3,500.00 , which Akayla stated was unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  On February 25, 2023, we notified Akayla via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  Between February 26, 2023 and May 9, 2023, Akayla 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 have initiated a chargeback to investigate the matter further and are still awaiting a response from the merchant. We will notify Akayla upon conclusion of our review. 
  
  On March 15, 2023, we applied a provisional credit to ******'s account for the full amount of the dispute. This temporary credit was provided to allow Akayla with full use of the funds while we complete our investigation. 
  
  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:05/01/2023

  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.

  Hello I was contacting you guys to touch bases with you guys, I was denied by my bank (chime) for a dispute I made that i was scammed for amount of $1,932.80 and i sent them screenshots and proof that it wasnt me they still denied me and its going on a month and a half. And the transaction happened in ********** and i live and stay in ******** **************.

  Business Response

  Date: 05/21/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **********************
  
  On April 12, 2023, ***** contacted ** via phone regarding one (1) transaction totaling $1,932.80 which ***** stated was unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  We notified ***** that we completed our investigation and based on the information available, we determined that no error occurred.
  
  From April 21, 2023, to April 30, 2023, ***** inquired about reopening the case, and a each time a rebuttal claim was opened.
  
  We notified ***** 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:05/01/2023

  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.

  Firstly I would like to say that I have had numerous issues with Chime but for this particular complaint the issue is on April 5 2023 I filed dispute for several transactions made with a particular merchant. I had made several payments to merchant for supplies and for work put into a project they were doing for me however when it was time to receive finished product I did not receive it I tried to work it out with merchant but was getting nowhere so thats when I filed dispute with chime. I was told they would investigate dispute and they would *** me with results. On April 8th 2023 I received ***il stating chime was closing my account that if I had any funds in account a check would be mailed in *********************************************************************************************************************************************************************************** account was closed ect. Well I was looking at chime website f&q it stated to get refunded from transaction faster to contact merchant so I decided to do this they inform me they only received 5 disputed transactions they gave me the amount and the refund transaction ID numbers and date of refund as well as call to chime April 19 2023so I call chime to inquire they basically do there usual never answer a direct question with any definitive answer or resolution to your issue. Basically they say they will send me a check for the refunded transactions u wait 10 more days call back no one could answer me about check being mailed from the refund that was suppose to be returned to my closed account u was told they had to have the check mailing department ***il me. I then stated I do not want the same ***il stating same thing account closed check mailed ***************************************************************************** will be mailed I was to yes they will ***il u with specifics . Nope didn't happen I recieved same ***il no direct answers. I want my funds I was to the refunded transactions would be placed in check for and mailed to me. It is unacceptable to close an account then make person wait indefinitely for their funds

  Business Response

  Date: 05/12/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **********************
   
  On April 6, 2023, Amie contacted us via email regarding 33 transactions totaling $3,035.70 which *********;stated were goods/services not received. We then opened an investigation into the matter and filed a dispute.
   
  The investigation is currently in process, and we are working to resolve Amies case as quickly as possible. Based on the nature of the claim, we will complete the investigation no later than July 5, 2023. Amie will be notified via email as soon as the investigation is completed.
   
  On April 8, 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. Since the account is in a negative balance, no funds are owed 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: 05/12/2023

   
  Complaint: 20004915
  
  I am rejecting this response because:

  I called several time inquiring about this and was not given any indication of this I expressed that the merchant involved in dispute had only recieved the 5 disputes that they had already refunded and nothing else so I had expected those funds returned to me by chime as they can not with hold my funds that in cases like this thats the reason they give provisional credits but chime didn't do that in this case they can not with hd or deny access to my funds which have already been returned none of this is my fault and I should not be inconvenienced by this not to mention they have only sent 5 disputes to penchant not the 33 they speak of on the fact that 5 of the 5 have been refunded why would they not send other disputes to merchant to see thT they have to say as they are aware im owed refund they are not investigating the transactions if they were the merchant would have been contacted and given the other disputes not just 5. This is a tactic by chime to withhold my funds. Had Vhime not closed my account upon the merchant refunding transactions I  would have had access to those funds so again I have the right and chime has an obligation to give me access to my funds, and also they should have communicated with me via phone on the several calls I made to them or via email through the several emails I also sent them not one time did they indicat this I will attach screenshot with their response to my inquiries trying to resolve this as this is exactly what I was trying to avoid happening and I also expressed that to them. Chime needs to prove they contacted merchant about all ****************************************** they need to release my funds that have been refunded or give me provisional credits if they want to take 120 days to investigate what should only take 10 days. Thank you ********************;
  
  Sincerely,
  
  *********************

  Business Response

  Date: 05/18/2023

  Thank you for giving us the opportunity to follow up on *********************** BBB complaint.
  
  The investigation is currently in process, and we are working to resolve ****'s case as quickly as possible. Based on the nature of the claim, we will complete the investigation no later than July 5, 2023. **** will be notified via email as soon as the investigation is completed.
  
  If ****'s dispute claim qualifies for provisional credit, it will be issued within 10 days. 
  
  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:05/01/2023

  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 3/9/23 I sent my fiance money via money transfer to her cash app, ended up disputing the transaction on my chime account 3/16/23. I then canceled the dispute on 4/9/23 chime proceeded to cancel the transaction to her cash app. I reached out and nothing was done they blamed it on cash apps end. Its now may 1st, her account is still negative $450 and Ive yet to see my $450! They continue to transfer me to different departments and tell me different excuses! I loved chime until this occurrence. I hope they can get it straightened out so I can continue to use chime

  Business Response

  Date: 05/10/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *******************
   
  On March 16, 2023, ************;contacted ** via the mobile app regarding a transaction totaling $450.00 which Coltlan stated was (goods or services) not as described. We then opened an investigation into the matter and filed a dispute. 
   
  On April 9, 2023, Coltlan requested to cancel the dispute claim.
   
  On May 1, 2023, Coltlan inquired about reopening the case, and a rebuttal claim was opened.
   
  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 Coltlan will be notified via email once a final outcome has been determined.
   
  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:05/01/2023

  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.

  Money was taken from my account $310, by a supposed chime customer service rep without my permission and chime is taking their sweet time putting the funds back in my account

  Business Response

  Date: 05/10/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *********************************.
   
  On May 01, 2023, Latrice contacted ** via phone regarding 1 PayAnyone transfer totaling $310.00 which Latrice stated was unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On May 02, 2023, we completed our investigation and based on the information available, we determined an error occurred. As a result, a credit in the amount of $310.00 was posted to Latrice's account on May 02, 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 ********************************.