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:04/10/2025

  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 saw an advertisement on Instagram for a new member offer with Chime for up to $350 (as shown in the attached screenshot of the ad). I opened a Chime account on March 21st, 2025. Following the guidance of Chime *****s via their in-app chat, I completed the requirements for the new member bonus, which included making at least 15 purchases totaling $500 or more and setting up a direct deposit of $200 or more (as confirmed by a Chime ***** in the attached screenshot).On April 3rd, 2025, I contacted Chime support to inquire about the bonus. An ***** named ***** confirmed my eligibility for the Direct Deposit bonus and stated that it would be credited to my account within 7 business days from the date of my direct deposit, which was April 3rd (screenshot attached).However, on April 10th, 2025, after the 7 business day period had passed and the bonus was not received, I contacted Chime support again. A different ***** informed me that I am not eligible for the bonus because I did not enroll through the 'Intro Offer landing page' (screenshot attached).This is contradictory to the information I received from the first ***** who explicitly confirmed my eligibility and the payout timeline. I fulfilled the requirements as communicated to me by Chime's representative and based on the information provided to me. I am requesting the bonus that was promised and confirmed.

  Business Response

  Date: 04/17/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******* *******.
   
  On March 21, 2025, Harshad contacted us to inquire about the New Member Promotion.
   
  Please note that in order to qualify for a bonus, Harshad must open a Chime Checking Account as a first-time Chime account holder via the applicable promotional landing page, which Harshad can navigate to from a link provided in a mobile push notification, SMS text message, in-app notification hub message, in-app banner, or social media advertisements. 
   
  For more information on New Member Promotion, please check out the following link:
  *************************************************************
   
  We have escalated Harshad's complaint to the appropriate department for further review. We appreciate their patience while we review their account.
   
  We thank you for the opportunity to respond to ******* ******** complaint. If ******* Mahajan continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 04/18/2025

   
  Complaint: 23189481
  
  I am rejecting this response because:I tried multiple times to reach the support of chime. No response.
  
  Sincerely,
  
  ******* *******

  Business Response

  Date: 04/25/2025

  Thank you for giving us the opportunity to follow up on ******* ******** BBB complaint.
  
  Our review has determined that ******* did not complete all of the steps necessary to qualify for the offer and as a result, did not receive the incentive. 
  
  We thank you for the opportunity to respond to ******* ******** complaint. If ******* ******* continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 04/28/2025

   
  Complaint: 23189481
  
  I am rejecting this response because:Chimes agent told me I completed all the steps. If resolution is not made I will need to go to FTC for resolution.
  
  Sincerely,
  
  ******* *******

• Initial Complaint

  Date:04/10/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been receiving emails from a company called Chime between 4/4/2025 and today, 4/10/2025. It is my belief based on these emails that someone is opening a debit card with Chime using my name and email address. I am unsure about what additional personally identifiable information (PII) of mine has been used to request this debit card. I also received an email that the "debit card is on the way" to an address of ***************************************, but I live in *********I called Chime on 4/10/2025 at around 11:15 a.m. *** to report the fraudulent activity, and to close the fraudulent account, but they INSISTED that I provide them with my date of birth or last four of my social. I also asked to speak with a supervisor who asked the same information of me. Of course, I refused because I had never provided that to them to begin with, as I do NOT have an account with them, nor have I requested an account with **********************. They continued to state that in order to close out the correct account, they would need additional personal information from me. I refused to give this information. The biggest reason I wanted to report this situation, and also Chime is Chime's lack of concern to close out fraudulent accounts - I mean, what is the point of reporting fraud if they won't take the necessary steps to close out the fraudulent accounts? Again, I am unsure of what additional PII they have of mine, but I knew this needed to be reported. I do also have all of the emails from them that I can provide if needed.

  Business Response

  Date: 04/16/2025

  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 bank partners 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.
   
  We have escalated the account referenced in Amanda's complaint for further review. We appreciate Amanda's patience at this time.
   
  We thank you for the opportunity to respond to ****** ******' complaint. If ****** ****** continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

• Initial Complaint

  Date:04/10/2025

  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.

  April 10, 2025 $64.26:was taken out of my Chime account, by ********************** I had an investigation with a merchant, I didn't ask Chime to give me a temporary credit. I just needed to receive my money back from the merchant Ween. Chime has taken $64.26 out of my account. Both ********************** and the merchant Weem took money out of my account.

  Business Response

  Date: 04/15/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***** ******.
   
  On March 2, 2025, Margo contacted us via phone regarding 1 transaction totaling $64.26 which Margo stated was canceled. We filed a dispute and began an investigation into the matter. 
   
  On March 12, 2025, we applied a provisional credit to Margos account for the full amount of the dispute. This credit was provided to allow Margo with full use of the funds while we completed our investigation.
   
  As part of our dispute investigation, we filed chargebacks for eligible transaction(s). 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 Margo's dispute. On April 2, 2025, we concluded our investigation and determined no error occurred. Margo was notified of this on the same day.
   
  On April 9, 2025, the provisional credit issued on March 12, 2025 was reversed. As a result, Margos account was debited in the amount of $64.26.
   
  We thank you for the opportunity to respond to ***** Tittles complaint. If ***** Tittle continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

• Initial Complaint

  Date:04/10/2025

  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.

  My account says it will close in a month. I want to know why

  Business Response

  Date: 04/15/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by Bria Jeheeb.
  
  On April 10, 2025, after a complete review of Brias account, we determined that the account was not in compliance with Chimes internal policies and the account agreement provided at account opening. As a result, the account registered to Bria has been scheduled to close on May 10, 2025.
  
  We thank you for the opportunity to respond to Bria Jeheebs complaint. If Bria Jeheeb continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/16/2025

   
  Complaint: 23186557
  
  I am rejecting this response because:

  I have followed all guidelines and rules with this account. I have set up direct deposit with you guys. There is no reason why my account should be closed 
  
  Sincerely,
  
  Bria Jeheeb

  Business Response

  Date: 04/21/2025

  Thank you for giving us the opportunity to follow up on Bria Jeheebs BBB complaint.
   
  We determined that the account was not in compliance with Chimes internal policies and the account agreement provided at account opening. 
   
  We appreciate the circumstances surrounding Brias situation. However, the account registered to Bria is still scheduled for closure on May 10, 2025.
   
  We thank you for the opportunity to respond to Bria Jeheebs complaint. If Bria Jeheeb continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

• Initial Complaint

  Date:04/10/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Ive been victim of fraudulent transactions 3 times,,, Ive filed disputes with chime and provided all the evidences they need,,,chime has denied all 3 claims *** opened and provided no reasons. I feel helpless that I keep loosing money and chime is doing mo effort in trying to retrieve my funds. All they do is send an email saying no errors found when *** provided them with plenty of evidences of fraudulent transactions made on my account. If ******************** doesnt care to thoroughly investigate customers claim they should redirecting customers to file fraudulent claims if theyre just going to get denied regardless

  Business Response

  Date: 04/14/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******* ********.
   
  Claim ID: ********
  On November 13, 2024, Darrell contacted us via Chime app regarding five transactions totaling $263.18 which Darrell stated were Goods services not as described. We filed a dispute and began an investigation into the matter. 
   
  On the same day, Chime records confirmed Darrell requested to cancel their dispute.
   
  On November 26, 2024, Darrell inquired about reopening the case, and an additional review was opened. 
   
  On December 18, 2024, we notified Darrell via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied. 
   
  Claim ID: ********
  On November 26, 2024, Darrell contacted us via phone regarding a transaction totaling $60.51 which Darrell stated was Non receipt of goods or services. We filed a dispute and began an investigation into the matter. 
   
  On December 3, 2024, we notified Darrell via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  On December 3, 2024, Darrel inquired about reopening the case, and an additional review was opened. 
   
  On December 25, 2024, we notified Darrell via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied. 
   
  Claim ID: ********
  On January 7, 2025, Darrell contacted us via phone regarding three transactions totaling $176.86 which Darrell stated was unauthorized. We filed a dispute and began an investigation into the matter. 
   
  On January 18, 2025, we notified Darrell via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  Claim ID: ********
  On March 30, 2025, unauthorized contacted us via phone regarding two transactions totaling $134.43 which Darrell stated was unauthorized. We filed a dispute and began an investigation into the matter. 
   
  On April 9, 2025, we notified Darrell via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  We appreciate Darrell for sharing their feedback with us. We're dedicated to creating the best experience possible for all of our members and greatly appreciate Darrells input.
   
  We thank you for the opportunity to respond to ******* Vilsaints complaint. If ******* Vilsaint continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 04/14/2025

   
  Complaint: 23186027
  
  I am rejecting this response because:
  Provided no reasons as to why my claims were denied and provided zero reassurance that my money wont be stolen again 
  Sincerely,
  
  ******* ********

  Business Response

  Date: 04/16/2025

  Thank you for giving us the opportunity to follow up on ******* Vilsaints BBB complaint.
  
  Claim ID: ********
  On December 3, 2024, Darrell requested a copy of the documents we relied on in making our determination.
  
  On December 4, 2024, a copy of the documents Darrell requested was forwarded to the email on file.
  
  Claim ID: ********
  On January 19, 2025, Darrell requested a copy of the documents we relied on in making our determination.
  
  On January 20, 2025, a copy of the documents Darrell requested was forwarded to the email on file.
  
  For Claims ******* and ********, we have escalated for the requested documentation to be sent to Darrell via email as soon as possible.
  
  We recommend ****** visit the following for further information on how to keep their account secure: ******************************************************************************************************.
  
  We thank you for the opportunity to respond to ******* Vilsaints complaint. If ******* Vilsaint continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 04/17/2025

   
  Complaint: 23186027
  
  I am rejecting this response because: chime is just using automated systems to reply to my concernsmy cards were stolen and I gave chime proof that they were and fraudulent transactions were made on my account multiple times. Chime is sending me a receipt of the claims I file and is trying to make it pass as documents they used to conduct their investigation. Chime sent me an email saying that there were documents on there saying how they came to the conclusion but it literally just shows the claims I filed. The only resolution to this matter is chime refunding my money and making sure that my funds are safe and that I wont keep being victim of fraud and that chime will stop using artificial intelligence to conduct their investigations
  
  Sincerely,
  
  ******* ********

  Business Response

  Date: 04/18/2025

  Thank you for giving us the opportunity to follow up on ******* Vilsaints BBB complaint.
  
  We appreciate the circumstances surrounding Darrells situation. However, we have pursued every available action to resolve the dispute in Darrells favor. At this time, we are unable to provide any refund.
  
  We also appreciate Darrell for sharing their feedback with us. We're dedicated to creating the best experience possible for all of our members and greatly appreciate Darrells input.
  
  We thank you for the opportunity to respond to ******* Vilsaints complaint. If ******* Vilsaint continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 04/21/2025

   
  Complaint: 23186027
  
  I am rejecting this response because:
  Instead of properly investigating my claims and making sure my funds are secured and providing details on why my claims were denied after I was sent new debit cards. Chime is only trying to avoid taking accountability because millions of customers are being victims of frauds and ******************** is only using AI to investigate those claims and theres not a proper human agent doing their due diligences to 1 make sure the customers funds are safe and 2 to give more explanation on how chime came about their decisions 3) refund the customers the money that ******************** was supposed to keep safe but was stolen because of chimes inability to protect their customers funds 
  Sincerely,
  
  ******* ********

• Initial Complaint

  Date:04/09/2025

  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.

  After many many Phone calls with Chime about their denial of a dispute I was honestly ready to give up and just recieve my money back during the Lawsuit against the business. The entire purchase has been found fraudulent via the State and ****************** yet Chime says "there's no error"? To know more than the State and Federal Court system says alot. Then Today 04/09/2025 (almost 2 months later) they accept my dispute against the same company, on the same day, just for a lesser amount due to card limits. Wow. They sent their so called "investigation report" 2 weeks after the request was made since they denied it twice. Yet the amount for $100 for the exact same thing with LESS proof in documentation they approved. That just shows they maliciously denied the dispute purely for the amount being $2,400. Wow, definitely a violation of the ****. I can't seem to get Chime to do anything when I call, just get the same runaround with no resolve after weeks of waiting only for the same outcome. I'm here to warn all the other consumers DONT TRUST CHIME WITH YOUR MONEY! I'm scared to use them for anything more than $100 now after this. Seriously, I sent them return receipts and even proof of the contract/purchase being fraudulent, but they don't seem to care of their customers finances at all clearly. Maybe this will warn everyone else and get a response from Chime. I included my claim number under tracking number.

  Business Response

  Date: 04/16/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******* ****.
   
  CLAIM ID: ********
  On February 19, 2025, Caleigh called us regarding a transaction totaling $100.00 which Caleigh stated was goods/services received not as described. We filed a dispute and began an investigation into the matter.
   
  As part of our dispute investigation, we filed chargebacks for eligible transaction(s). 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.
   
  On April 9, 2025, we notified Caleigh 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 $100.00 was posted to Caleigh's account on April 9, 2025.
   
  CLAIM ID: ********
  On February 19, 2025, Caleigh called us regarding a transaction totaling $2,400.00 which Caleigh stated was goods/services received not as described. We filed a dispute and began an investigation into the matter.
   
  On March 6, 2025, we notified Caleigh via email that we completed our investigation and based on the information available, we determined that no error occurred. As a result, on the same date, Caleigh inquired about reopening the case, and an additional review was opened.
   
  On March 22, 2025 we notified Caleigh 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 Caleigh's complaint for further review. We appreciate Caleigh's patience at this time.
   
  We thank you for the opportunity to respond to Caleigh Clay's complaint. If Caleigh Clay continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 04/16/2025

  Complaint: 23184381

  
  

  I am rejecting this response because: They state here that CLAIM ID: 16098683

  On February 19, 2025 was reopened after a request I made, yet I never reached out over CLAIM ID: ******** because Chime never denied that claim, the first and only update I recieved on that claim that is for the exact same transaction was their approval and refund of the $100.00. Them approving CLAIM ID: ******** without reaching out to me or me having to reopen the dispute is the entire reason for my complaint. It shows that they claim to have investigated the $2,400.00 claim yet they didn't, they only found reason to deny it purely based on the amount in question.  The $100.00 claim is for the exact same thing at the exact same time, yet they approved it with zero issues. When they sent me what they had on the investigation for the $2,400.00 claim it was filled with nothing but what I sent them. No responses from the business nor anywhere where they reached out to the business regarding the dispute. Definitely not satisfied with their response considering that the entire first bit of their response is false. Never called over the $100.00 transaction because I only called over the denial. They never denied the $100.00 claim.

  
  

  Sincerely,

  
  

  Caleigh Clay 

   

  Business Response

  Date: 04/18/2025

  Thank you for giving us the opportunity to follow up on Caleigh Clay's BBB complaint.
   
  We have made a follow up escalation regarding Caleigh's complaint to the appropriate department for further review. We appreciate the patience of Caleigh while we are working on this matter.
   
  We thank you for the opportunity to respond to Caleigh Clay's complaint. If Caleigh Clay continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 04/21/2025

   
  Complaint: 23184381
  
  I am rejecting this response because: I will be rejecting responses and keeping all other customers informed of the process until ********************** makes their "Final Decision" for the 5th time now. Once Chime has actually taken action and I actually see a change then I will update this Feed again regarding their decision. But All responses will be rejected until a resolution is found. Let's see how Chime does, So far they have been very Shady, terrible **************** and Continues to drag their feet. Will update citizens and their potential future customers as we move through the process again, hopefully for the last time and Hopefully much quicker than all of the other times.
  
  Sincerely,
  
  ******* ****

• Initial Complaint

  Date:04/09/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Chime Dusputes Team closing claims prematurely, low tier software systems prevent bank clients from submitting video evidence, investigators intentionally do not communicate with bank clients. Recently I have submitted disputes and uploaded supporting documentation through the Chime banking app multiple times. After speaking with a supervisor at Chime today, she discovered the software did not upload the documents on NONE of the occasions. At the same time I receive a email saying my dispute was closed and denied. The investigation team has now closed disputes twice without all evidence being reviewed. I called Chime multiple times because letting it be known i had documentation and video, but not a single investigator contacted me to obtain the evidence. I have screenshot of me not authorizing transactions where money was removed from my account. As a customer depositing money into ********************** i find it unethical for me to be blocked from proving my claim and, communicating with bank personnel responsible for saying I CANT GET MY MONEY BACK OR THAT I CAN. I believe the investigators are denying valid claims and not doing their job cause its easier. The company who defrauded me out of money, has a fictitious address listed in ***, is operating illegally in my location, a BBB let me know that are operating outside the country. I have system error screenshots, overcharging and underpaying video, email with inoperable links to terms and conditions. More than enough for a adequate investigation team to approve my claim but Chimes investigation team acts as a shadow organization to its own clients. This is unfair and demoralizing as a long time client.

  Business Response

  Date: 04/16/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ********* ****.
  
  On March 21, 2025, Nathaniel called us regarding 15 transactions totaling $1,085.35 which Nathaniel stated were unauthorized. We filed a dispute and began an investigation into the matter. 
  
  On March 28, 2025, we notified Nathaniel via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  On March 31, 2025, Nathaniel inquired about reopening the case, and an additional review was opened. 
  
  On April 1, 2025, we changed the dispute reason from unauthorized transaction to incorrect amount charged based on the information available for our investigation. 
  
  On April 9, 2025, we notified Nathaniel 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, Nathaniel inquired about reopening the case, and an additional review was opened. 
  
  The additional review is currently in process, and we are working to resolve Nathaniels case as quickly as possible. Nathaniel will be notified an update to the investigation on or before April 23, 2025. 
  
  We thank you for the opportunity to respond to ********* ***** complaint. If ********* Monk continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/22/2025

   
  Complaint: 23183204
  
  I am rejecting this response because:

  
  1.) Chime investigators still have not given me a link to upload video so they can view the fraudulently ran system overcharging, and underpaying. This will provide solid evidence to approve my dispute, but they only allow screenshots , through which an investigation would be INCAPABLE of seeing the live system scamming. 2.) Chime investigators still have not given me the courtesy of a phone call, to understand the full picture. 3.) I requested a formal complaint be filed against both investigators who prematurely ended and denied my claim, without seeing full evidence. No complaint has been filed against those investigators. 4.) When I last spoke to Chime customer service, the representative said "we don't have ANY documents you have uploaded." I asked How? I have uploaded my documentation 5 different times thorugh app per Chime instructions but the system. The Chime representative stated teh system DID NOT SAVE THE DOCUMENTS. 5.) Chime has authorization text directly from me, DENYING the charges for approval but allowed the money to be taken anyway. 

  So overall Chime can find the McLuck fraudulent activity lawsuit in a simple ****** search, but the investigators are not putting in the simple work. Chime keeps telling me upload evidence through a portal that's clearly malfunctioning, proven by the fact I have to keep calling in to verify it evidence was received. I have used different providers than ****** and not made a single dispute with Chime because thise systems did not EVIDENTLY show them stealing my money. Chime guaranteed 100% no fraudulent liability, yet as a customer i am having to beg just to get a fair investigation. I believe it may be time to file a FOIA request to see how many claims Chime denies versus approval, without applying temporary credit within ten days of the filed claim, and without contacting clients and receiving all evidence. Hopefully this will be resolved by Chime corporate soon. 

   

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

  Business Response

  Date: 04/23/2025

  Thank you for giving us the opportunity to follow up on ********* ***** BBB complaint.
   
  On April 9, 2025, Nathaniel requested a copy of the documents we relied on in making our determination. On April 18, 2025, a copy of the documents Nathaniel requested was forwarded to the email on file.
   
  On April 13, 2025, we sent an email to Nathaniel seeking additional information for the investigation of the claim. 
   
  On April 21, 2025, we notified Nathaniel 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 Nathaniel 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 ********* Monk continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/23/2025

   
  Complaint: 23183204
  
  I am rejecting this response because Chime in each response has not addressed the major concerns listed in detail. Prematurely ending investigation 
  without reviewing all evidence. I have video evidence of the system scamming and Chime won't send a simple link to accept and watch the fraudulent system in real time. 

  I would ask Chime if they are aware of the lawsuit against the company ****** which I did not authorize multiple transactions to? Did they read the customer reviews on ***** with many complaining of the same fraudulent activity? No Chime is lazily allowing my money to be stolen. I reached out in time to get my reimbursement soon as te knowledge of a fake company came about. Yet Chime is on the side of the scamming company, NOT THEIR CLIENT who deposits checks into their bank every week. I will share this  experience on all review sites this is the worst showing of trust for a customer ever. 

   

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

• Initial Complaint

  Date:04/09/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had two charges on my account 12/08/24 to ROMORYXSUSD for ***** AND 12/17/24 to LUVEF for ***** I NEVER RECEIVED the products and filed to cancel payment I ALSO had 3 unauthorized charges 01/18/25 to ABT. SABALLAX for ***** 01/19/25 to STUNNINGWIGSFORANYSTYLE for 9.49 And 01/19/25 to COMPLETE MEDICAL EQUIPMENT for ***** I was given a different card HOWEVER, I was NEVER Credited for the FRAUDULENT CHARGES CHIME advertising states you will not be billed for FRAUDULENT charges HOWEVER, I was charged I repeatedly tried to contact CHIME CUSTOMER SERVICE but was continuously put into the AUTOMATED A I **************** and could NOT get through to a customer service agent to get any updates on the complaint Until I filed to cancel my account

  Business Response

  Date: 04/14/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ********* *******.
   
  Claim ID: ********
  On February 12, 2025, ********* called us regarding a transaction amounting to $49.98 which ********* stated goods or services were not received. We filed a dispute and began an investigation into the matter. 
   
  On February 27, 2025, we notified ********* via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  On March 31, 2025, ********* requested a copy of the documents we relied on in making our determination.
   
  Please note, we will send the requested documents as quickly as possible, but it may take up to 10 business days.
   
  Claim ID: ********
  On February 17, 2025, ********* called us regarding (3) three transactions totaling $103.18 which ********* stated were unauthorized. We filed a dispute and began an investigation into the matter. 
   
  On February 24, 2025, we notified ********* via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  On March 31, 2025, ********* requested a copy of the documents we relied on in making our determination.
   
  Please note, we will send the requested documents as quickly as possible, but it may take up to 10 business days.

  Additionally, we escalated Johnathon's concern about the Luvef transaction to the appropriate department for review. 

  We thank you for the opportunity to respond to ********* Prindles complaint. If ********* ******* continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

• Initial Complaint

  Date:04/09/2025

  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 12, 2025, and March 13, 2025, a company out of ********, ****** called Mosta Digital illegally took a total of $179 in 9 different transactions out of my bank account via my debit card. As the transactions on the 13th happened within seconds of each other, I immediately turned off my card. I contacted Chime Bank (owned by ***********) customer service to let them know that those transactions were not authorized by me or anyone else. I had not let my card out of my possession nor had I given information to anyone else. They filed a dispute and have now told me that they are denying my dispute and will not refund my money. I called customer service and spoke with a supervisor who said she would send me the information regarding why the dispute was done that way and yet 5 days later, no information has been sent to my account. The claim number is ********.

  Business Response

  Date: 04/14/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
  
  On March 14, 2025, ******* called us regarding nine (9) transactions totaling $178.71 which ******* stated were unauthorized. We filed a dispute and began an investigation into the matter.
  
  On March 28, 2025, we notified ******* via email that we completed our investigation and based on the information available, we determined that no error occurred. On the same date, ******* requested a copy of the documents we relied on in making our determination.
  
  On April 6, 2025, a copy of the documents ******* requested was forwarded to the email on file.
  
  On April 8, 2025, we notified ******* 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 $178.71 was posted to Shannons account on April 11, 2025.
  
  We thank you for the opportunity to respond to ******* ******** complaint. If ******* ****** continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

• Initial Complaint

  Date:04/09/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased a couple of handbags from **** ****** online. I never received the order, I filed a dispute with Chime. No response. My grandmother is in hospice care. I need my money to pay for her medical supplies and care. I sent all the supporting documentation and police report. They wont give me a temporary credit while they are investigating. I just want my money. Please help.

  Business Response

  Date: 04/14/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******* *****.
   
  On March 12, 2025, Natasha contacted us via phone regarding 1 transaction totaling $600.76 which Natasha stated goods or services was not received. We filed a dispute and began an investigation into the matter. 
   
  As part of our dispute investigation, we filed chargebacks for eligible transaction(s). 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 will notify Natasha the results of the investigation no later than June 10, 2025.
   
  We thank you for the opportunity to respond to ******* Birdos complaint. If ******* Birdo continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.