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:01/25/2023

  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.

  chime closed my account, on jan 15th as i had waited patiently on my card which arrived on jan 16th, i checked and all my money was gone on my account which was $132.00 then i checked again it was a $-44.00 they have been ignoring my messages to their support team since this happened, they closed my account becasue of the fraud by whoever took the $132.00 that was in my account, yet they said that a dispute caused the account to go negative during the account closing but they fail to realize that i didnt have my card which was closed due to fraud, which i received on jan 16th but chime had closed my account before i even got to use activate or use the card chime owes me $170.00 i have tried to contact them but they are always ignoring my emails..

  Business Response

  Date: 02/02/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **********************
   
  Claim ID: ******* 
  On January 4, 2023, Travis contacted us via the Chime app regarding an ATM transaction totaling $2.50 which Travis stated was not dispensed. We then opened an investigation into the matter and filed a dispute. The same day, we applied a provisional credit to ***********;account for the full amount of the dispute. This temporary credit was provided to allow Travis with full use of the funds while we completed our investigation.
   
  On January 12, 2023, we notified ***********;via email that we completed our investigation and based on the information available, we determined that no error occurred. As a result, we also notified Travisthat the provisional credit issued on January 4, 2023, would be reversed and the account would be debited on January 20, 2023. 
   
  On January 20, 2023, the provisional credit issued on January 4, 2023, was reversed. As a result, ****** account was debited in the amount of $2.50.
   
  Claim ID: *******
  On January 7, 2023, ***********;contacted us via phone regarding an ATM withdrawal totaling $102.25 which Travis stated was not dispensed. We then opened an investigation into the matter and filed a dispute.
   
  On January 15, 2023, we applied a provisional credit to ******' account for the full amount of the dispute. This temporary credit was provided to allow Travis with full use of the funds while we completed our investigation.
   
  On January 28, 2023, we notified ***********;via email that we completed our investigation and based on the information available, we determined that no error occurred. As a result, we also notified Travis that the provisional credit issued on January 15, 2023, would be reversed and the account would be debited on February 3, 2023.
   
  Claim ID: *******
  On January 7, 2023, Travis contacted us via phone regarding a transaction totaling $23.19 which ***********;stated the incorrect amount was charged. We then opened an investigation into the matter and filed a dispute.
   
  On January 15, 2023, we notified Travis via email that we completed our investigation and based on the information available, we determined an error occurred. As a result, a credit in the amount of $23.19 was posted to ************;account.
   
  Claim ID: *******
  On January 8, 2023, Travis contacted us via phone regarding 2 transactions totaling $27.92 which ***********;stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On January 9, 2023, we notified Travis via email that we completed our investigation for part of the claim totaling $17.97 and based on the information available, we determined an error occurred. As a result, a credit in the amount of $17.97 was posted to Travis account.
   
  On January 11, 2023, we notified Travis via email that we completed our investigation for the remainder of the claim totaling $9.95 and based on the information available, we determined an error occurred. As a result, a credit in the amount of $9.95 was posted to ******' account.
   
  Claim ID: *******
  On January 8, 2023, Travis contacted us via phone regarding an ATM transaction totaling $2.50 which ***********;stated was not dispensed. We then opened an investigation into the matter and filed a dispute.
   
  On January 26, 2023, we applied a provisional credit to ******' account for the full amount of the dispute. This temporary credit was provided to allow Travis with full use of the funds while we completed our investigation.
   
  On January 28, 2023, we notified ***********;via email that we completed our investigation and based on the information available, we determined that no error occurred. As a result, we also notified Travis that the provisional credit issued on January 26, 2023, would be reversed and the account would be debited on February 3, 2023. 
   
  Account Closure: 
  On January 17, 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. Please note, at the time of closure, there was not a positive balance on the account. 
  
  We thank you for the opportunity to respond to ****************** complaint. If **********************;continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************

  Customer Answer

  Date: 02/02/2023

   
  Complaint: 18894013
  
  I am rejecting this response because:
  
  Sincerely,
  
  *********************

   

   

  when I asked them to show me how did they conclude that fraud wasnt done they are unaable to provide any information to reverse the decision, if so such as the $102 that was reverssed tell me why it was reversed.......?????? and they would use some excuse such as its not fraud because chime say its not fraud but unable to give any adequate information as to why they made the deciions to reverse the claim, also i had fraud on my account thats why they closed when i didnt even have card, waiting for my card to arrive it was fraud on my account, and they will give you a credit but turn around and reverse it for no reason just basically giving the customer a loan most of the time not having enough any information as to why they reversed just reversing it just to get their money back.......... january 17th was when fraud occured again from which I had ****** in my account then the accunt was closed, they they debited a credit they had giveen me for another case and i am owed from ******* dollars becasue they havent giving me my money that was in my account the day they closed my account cause i could not use my accoutn because i did not have a card my card got to my house on jan 17th that evening and their was activity on my account 2 days before while i was waiting to recieive my card, which took every bit of 2-3 weeks....when they took back the 101 please show me where the atm didnt have a error because they atm did not give me the amout i requested...they only gave me a fraction of the amount they still reverse the claim not givign me any info as to how they came up with the decision they came up with but i am still owed money...from the $132 that was in my account when it closed and the amount of 101 ***** they took back for nothign but they will allow the $2 and the small claims to stay if they dont have enough security from hackers they dont need to be in operating......especiially when waing on my card and money still gets taken from my account then they say they closed it because i violated terms what terms did i violate or was it because you sent my card to someone else household and they used the card so you had to cancel the account to make it look like i done something wrong cause i had no card when my account closed.......

  Business Response

  Date: 02/09/2023

  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: 02/11/2023

   
  Complaint: 18894013
  
  I am rejecting this response because:
  
  Sincerely,
  
  *********************

  you didnt say anything, but I want my money or I will hold bank corp responsible for chimes errors they have made on my account and its not going to end pretty for chime

  Business Response

  Date: 02/15/2023

  Thank you for giving us the opportunity to follow up on ****************** BBB complaint.
   
  Chime records reflect that at the time of account closure, ******' account had a negative balance. Based on this, there were no funds to return 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: 02/20/2023

   
  Complaint: 18894013
  
  I am rejecting this response because:
  
  Sincerely,
  
  *********************

   

   

   

   

  2 days before the account closed, while i had been on a 3 week wait for a debit card because my last card was closed for fraud, 1 day before i received my card and 1 day before my account  closed there was fraud again and chime allowed $130 to get taken from my account so during the final hours before my card arrived there was $130 on my account and a day later they closed my account again....stating they closed it for fraud so obviously they knew fraud was on my accoutn because they closed it for good and they would never tell me why but once i realized my $130 was missing i knew why and they obvously sent my card that i was supposd to receive to another individual and they took my money out of my bank accoutn cause i had no way of using a card that i didnt have the owe me 130 which was on my account before it closed and i need it

  Business Response

  Date: 02/27/2023

  Thank you for giving us the opportunity to follow up on ****************** BBB complaint.
   
  The last transaction on ******' account occurred on January 16, 2023. At the time of account closure, ****** had opened disputes. This disputes had received provisional credits that had been applied to ******' account. When Chime concluded our investigations, these credits were reversed. Upon receipt of ******' BBB follow up, we have affirmed there are no funds to provide ************* 
  
  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:01/24/2023

  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.

  Someone at the ************ charge my card $935.00 and I did not authorize these charges.and chime failed to give me my money back. They telling me I need to show proof where I was at that time.

  Business Response

  Date: 02/03/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *******************************.
   
  Claim number 5737940
   
  On December 12, 2022, ******* contacted us via email regarding 2 transactions totaling $541.63 which ******* stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On December 13, 2022, we applied a provisional credit to ******** account for the full amount of the dispute. This temporary credit was provided to allow ******* full use of the funds while we completed our investigation.
   
  This 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 March 6, 2023. ******* will be notified via email as soon as the investigation is completed.
   
  Claim number 5756661
   
  On December 13, 2022, ******* contacted us via phone regarding a transaction totaling $404.37 which ******* stated was unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  On December 15, 2022, we notified ******* via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  On December 16, 2022, ******* requested a copy of the documents we relied on in making our determination.
   
  On December 20, 2022, a copy of the documents ******* requested were forwarded to the email on file.
   
  Between December 15, 2022, and January 5, 2023, ******* made multiple requests to reopen the investigation, and rebuttals were initiated. As of our latest review on January 8, 2023, we notified ******* via email that our decision remains that no error occurred, and the claim remains denied.
   
  We understand this is not the resolution ******* was seeking, but we are confident the investigations of the claims were properly conducted and resolved. We now consider this matter resolved.
   
  We thank you for the opportunity to respond to ********************************* complaint. If ******************************* continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************. 
   

• Initial Complaint

  Date:01/24/2023

  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.

  01/17/2023 a mobile check was deposited and Chime said the hold was 5 days they held ******* from a deposit ******* full deposit amount. My children starved and I had to wait 6 days and they still would not release my funds until 11pm PST

  Business Response

  Date: 02/02/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***********************************************
   
  On January 18, 2023, ******** contacted us regarding a mobile check deposit they were expecting in the amount of $1,268.81 , which ******** stated was not completely posted to their account.
   
  Our records indicate ******** deposited a check using the Mobile Check Deposit Feature on January 17, 2023. Of these funds $200.00 was posted to ********'s account  on January 18, 2023. The remaining $1068.81 was posted to ********'s account on January 25, 2023.
   
  Chime is a financial technology company, not a bank. ******* services provided by ***************** N.A. or ************ N.A.; Members FDIC.
   
  Chime records indicate at the time of the account opening, ******** was presented with a deposit account agreement. As stated in this account agreement, Limits may be imposed on the dollar amount or number of deposits made through Mobile Deposit, and Chime or its bank partners may change such limits at any time at our discretion. 
   
  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:01/24/2023

  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 1/09/2023 I was charged $411.25 from UHC motion and I did not authorize this transaction. I filed a dispute with Chime and within a couple of hours, they said the claim was not done in error. I asked for an explanation at which point they told me it would take up to 10 business days to get the information they used to make their decision. On 1/19/2023, I got an email with their explanation, which I attached below. Yes, I used my card with them on 10/01/2022 for $80.74, which is nowhere near $411.25.

  Business Response

  Date: 02/02/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******************************
   
  On January 11, 2023, ******* contacted us via email regarding a transaction totaling $411.25 which ******* stated was unauthorized. We then opened an investigation into the matter and filed a dispute. On that same day, we notified ******* via email that we completed our investigation and based on the information available, we determined that no error occurred. ******* then requested a copy of the documents we relied on in making our determination. 
   
  On January 19, 2023, a copy of the documents ************;requested were forwarded to the email on file.
   
  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 claim, they may submit a rebuttal to ********************************. 
  
  Please note, in order to reopen the claim, ******* must include additional information that was not previously provided to us during our initial investigation. 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 *********************** complaint. If ***************************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.
   
  
  
  

  Customer Answer

  Date: 02/03/2023

   
  Complaint: 18887765
  
  I am rejecting this response because during the time of their denial in less then 24 hours I asked multiple times how to escalate this and the response was the same everytime. We will send you our records in 10 business days. Never once did someone try to contact me via phone which I am sure would have been much easier. I did get a email from Chime stating they were reopening and it could take 45 days for them to make a decision and issued a refund to my account. That does not fix the problem of POOR communication and that they took less then 24 hours to make their decision, 10 days to send me a statement of they made my decision and there reasoning does NOT even make sense. 
  
  Sincerely,
  
  *****************************

  Business Response

  Date: 02/09/2023

  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 claim(s) were(was) properly conducted and resolved. If ************;still does not agree with the outcome of the claim(s), they may submit a rebuttal to ********************************.
   
  Please keep in mind that in order to reopen the claim, additional information not previously provided to us during our initial investigation must be provided. 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 *********************** complaint. If ***************************;continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************. 
  
  
  

  Customer Answer

  Date: 02/10/2023

   
  Complaint: 18887765
  
  I am rejecting this response because: 

  They did not even do any type of investigation, they closed my claim in less then 24 hours and took 10 days to provide documentation that they say is sufficient to deny my claim. I attached above. Their documentation to me is not sufficient to deny my claim. I still do not understand how they can deny my claim in a few hours, but it takes them 10 days to provide "documentation" supporting their response.

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

  Business Response

  Date: 02/15/2023

  Thank you for giving us the opportunity to follow up on *********************** BBB complaint.
   
  Upon receipt of *******'s complaint, we escalated their dispute for additional review. Based on this review, we opened a rebuttal investigation. The rebuttal investigation is currently in process, and we are working to resolve *******'s 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. 
  
  ******* was notified of this by email on February 3, 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: 02/16/2023

   
  Complaint: 18887765
  
  I am rejecting this response because: I am waiting to see what the final outcome is. I just do not understand and still have not received an explanation as to how the claim was denied in less then 24 hours, it took about 10 days to get the reason for the denial which was not acceptable and now it will take 45 days to see if they will accept the rebuttal. I find their customer service to be unacceptable. 
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:01/24/2023

  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.

  A unauthorized transaction March 30,2022 at 12:52p.m For $1600 Claim #******* I did not do this transaction I called chime and let them know I even did a police report and email it to them I did everything they ask me to do and they still didn't give me my money back. Only email they sent me was basically someone will get back to you. Chime will not give you your money back unless you put them on the news, start a petition to have them close or *** them . I believe that's the only way anyone get their money back. i have all the proof

  Business Response

  Date: 02/02/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ********************************************************************************* contacted us via phone regarding one PayFriend transfer totaling $1600.00 which ******* stated was unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  On April 11, 2022, we notified ******* via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  On April 12, 2022, ******* inquired about reopening the case, and a rebuttal claim was opened.
  
  On May 2, 2022, 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 16, 2022, ******* inquired about reopening the case, and a rebuttal claim was opened.
  
  On May 18, 2022, we notified ******* via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied. 
  
  We understand this is not the resolution ******* was seeking, but we are confident the investigations of the 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: 02/04/2023

   
  Complaint: 18887264
  
  I am rejecting this response because: I didn't send anyone anything and I told Chime customer service this. I have every email that was sent and every email they sent me. I emailed Chime the police report. The persons information that it was sent to. On my statement it say for rent in another city and I never moved from the city I stay in. I showed proof of that. Hotel stays for weeks almost 2 months. Transaction from *******. And still never moved. Chime is lying and they should be shut down
  
  Sincerely,
  
  *****************************

  Business Response

  Date: 02/12/2023

  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. Please note, we have reviewed the document provided by ******* through the BBB. This document is not sufficient to reopen their 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 ********************************. 
  
  

  Customer Answer

  Date: 02/14/2023

   
  Complaint: 18887264
  
  I am rejecting this response because: I didn't getting anything resolved I did not get my money back I sent them the police report and proved I didn't do it
  
  Sincerely,
  
  *****************************

  Business Response

  Date: 02/15/2023

  Thank you for giving us the opportunity to follow up on ******************************* BBB complaint.
   
  If ******* has any additional information to supply regarding their dispute, they are welcome to submit it to Chime. However, we have reviewed all previously received documentation and are unable to reopen *******'s dispute. 
   
  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:01/24/2023

  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.

  I am a single mother who is on disability. I noticed recently that I had several unauthorized transactions from an online casino. Gamboling is illegal in ********* so Im not sure how these transactions would even clear or be approved by the chime or any credit card provider for that matter. They told me over the phone I qualified for a provisional credit if the dispute wasnt settled within 10 days. Now I have a email from them stating that this dispute dont qualify for the temporary credit. These disputes fall under the guidelines for a temporary credit so I want to know why I was lied to??? I may leave chime if they dont make this right.

  Business Response

  Date: 02/02/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ************************** 
   
  On January 11. 2023, ****** contacted us via phone regarding 357 transactions totaling $5,474.43 which ****** stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
   
  The investigation is currently in process, and we are working to resolve ******* case as quickly as possible. Based on the nature of the claim, we will complete the investigation no later than April 10, 2023. ****** will be notified via email as soon as the investigation is completed. 
    
  We thank you for the opportunity to respond to ******************** complaint. If ************************* continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************. 
  
  

  Customer Answer

  Date: 02/03/2023

  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:01/23/2023

  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.

  This issue has stemmed from an issue I had with a cell phone service provider. Where I was not receiving the services I was paying for so the service provider and I reached the agreement for them to refund me the money I had paid them. Those funds were dispersed from the merchant in 3 separate transactions. Two of those transactions were through a different financial service and they settled almost immediately. However, the third transaction was through chime. When the merchant sent that refund to chime, Chime took it upon themselves to decline the transaction and sent it back to the merchant. I have called and called repeatedly with chime trying to sort the matter out but was only treated rudely, left on hold for hours, or transferred for no reason. I tried disputing their action but no matter what evidence I presented them they refused to right the wrong they had made. They took it upon themselves to step into a matter that did not involve them in which they had no knowledge in the matter for them to go and ***** themselves judge and jury over my business. I have disputed the issue with them over, I even provided the emails from the merchant, where I honestly feel like it should have been none of their business in the first place. Who are they to judge what money I deserve and what I do not? This is not the first issue either. I was also having problems with Uhaul. Chime lied to me and told me that ***** would not be authorized to debit my account again in the future and if they did Chime would get my money back immediately. That turned out to be a huge lie. Not only was ***** able to debit my account again. Chime did nothing to get me my money back as they had promised. Instead, they actually had the nerve to tell me the same lie again. I told them I already was told that, so wheres my money? No one there would help in resolving the issue for me. To date, Chime is the reason I have been deprived hundreds of dollars that were mine, and they had no right to do so.

  Business Response

  Date: 02/02/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *********************************************************************************** contacted us via phone regarding four transactions totaling $296.31 which ***** stated was charged incorrectly. We then opened an investigation into the matter and filed a dispute. On that same day, we notified ***** via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  On October 19, 2022, ***** inquired about reopening the case, and a rebuttal claim was opened. During that same day, 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 October 20, 2022, ***** inquired about reopening the case, and a rebuttal claim was opened. 
  
  On October 22, 2022, 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 January 2, 2023, ***** contacted us via  email regarding one transaction totaling $42.05 which ***** stated was unauthorized. We then opened an investigation into the matter and filed a dispute.
  
  On January 3, 2023, we notified ***** via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  We understand this is not the resolution ***** was seeking, but we are confident the investigations of the claims were properly conducted and resolved. We recommend ***** works directly with merchants regarding these matters. 
  
  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:01/23/2023

  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 company randomly closed my account wont even give a valid reason on why. You cant even dispute the decision because they didnt have a reason to close my account and they did right when I was expecting payments and set me back on my bills because of this.

  Business Response

  Date: 02/02/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
   
  On November 1, 2022, after a complete review of Marquell's 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.
   
  We thank you for the opportunity to respond to ******** Smiths complaint. If *************************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.
   
  
  
  

• Initial Complaint

  Date:01/23/2023

  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.

  Greetings,I entrusted Chime with my direct deposit from work, at the time Selfhelp (Non-profit) , I received two direct deposits, both of which Chime withheld and told me they are investigating. Then they told me the money was sent to my bank. My bank told me Chime didn't make a deposit. Chime has since closed my account.

  Business Response

  Date: 02/01/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***********************.
   
  Chime records confirmed ******* initiated three transfers through the Automated Clearing House (ACH) network from their Chime Checking Account to a ******* account in October 2022. These three transactions were successful. 
  
  Chime will investigate any missing deposits provided proof that these transactions were not deposited to the ******* account as ******* directed.  
  
  On December 2, 2022 after a complete review of *******'s 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.
  
  We thank you for the opportunity to respond to ******* Halls complaint. If *********************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.
  
  

• Initial Complaint

  Date:01/23/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I filed a claim with chime on 12/31/22. The claim number is *******. My claim has been denied twice at this point. Chime is saying no error occurred which is insane. I have spoken to multiple people and no one can give me any answers. I prepaid a mobile detailing company to come to my house on 12/31/22 to complete a job. They never showed. I called the company, no answer. At that point I did research on the company and found the company is a scam. I then filed a fraud report, a dispute with my bank and a BBB complaint on the company. I have sent in multiple documentation showing that the company admitted they did not complete the job. In two emails the company stated they would do a refund but I needed to cancel my claim. Well after reading the reviews this is just another tactic they use to get you to cancel the claim and they never provide the refund. Therefore I have stopped communicating with the company and chosen to work directly with chime. However chime refuses to credit my account. An error occurred when the company failed to complete the job. Even the company has acknowledged that they didn't complete the job as promised yet chime still refuses to help me. I have also attached all the documentation I sent to chime and still that isn't good enough. I spoke to a supervisor on 1/21/23 who even stated he doesn't understand why the claim was denied and if he was on the investigation team it would Have been approved. The company made me sign a document upon pre-paying for services. The document was signed on 12/29 for a job that was supposed to be completed on 12/31. I have also attached that document as well. I have requested the documents that were used to come to this conclusion and nothing has been sent as of today. Instead I received another email saying my claim was denied. I have been with chime for a while and never experienced an issue. I'm beyond frustrated and disappointed. Please give me back my money!

  Business Response

  Date: 02/01/2023

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***************************.
   
  On January 21, 2023, ****** contacted us via email regarding a transaction totaling $176.47 which ****** stated they did not receive services. We then opened an investigation into the matter and filed a dispute.
   
  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 your dispute. Later that day, we concluded our investigation and determined no error occurred. You were notified of this on the same day. In reply that day, ****** inquired about reopening the case, and a rebuttal claim was opened. During that same day, 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. Additionally that day, ****** requested a copy of the documents we relied on in making our determination.
   
  On January 23, 2023, ****** inquired about reopening the case, and a rebuttal claim was opened.
   
  On January 25, 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 the same day, a copy of the documents Portia requested were forwarded to the email on file.
   
  Chime recommend ****** work directly with the merchant to resolve their issue. We understand this is not the resolution ****** was seeking, but we are confident the investigations of the claim was properly conducted and resolved. We now consider this matter resolved.

  Customer Answer

  Date: 02/02/2023

   
  Complaint: 18883659
  
  I am rejecting this response because: Chime has documentation from both merchant and myself that services were not rendered. Telling me to resolve the matter with merchant when the merchant has not responded to any of my emails is unbelievable. What's the purpose of banking with chime if you don't support your customers? Next step is a civil suit.

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

  Business Response

  Date: 02/08/2023

  Thank you for giving us the opportunity to follow up on ******************************* BBB complaint.
   
  We appreciate the circumstances surrounding ******'s complaint. We have escalated the complaint referenced in ******'s dispute for an additional review. If any further information becomes available, we will contact ****** by email. 
  
  We thank you for the opportunity to respond to ****** Colberts complaint. If *************************** continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.
  
  

  Customer Answer

  Date: 02/09/2023

  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,
  
  ***************************