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Business Profile

Financial Technology

Chime Financial, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Financial Technology.

Important information

Complaints

Customer Complaints Summary

  • 7,881 total complaints in the last 3 years.
  • 2,146 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:11/05/2022

    Type:Product Issues
    Status:
    Answered
    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 october 8, my Chime bank account got locked with any email or explanation.The app, and the help forum stated that I should email ******************************* and that's what I did.There was no response. I called chime and they said I should email ******************************** instead and that's what I did.They told me that although I already attached proof of identity, they somehow required more, so I did.I sent another email and there was no response.I called chime again and they said to be patient, and that they were working on it. It has been a month since they said that and I have not gotten any response.Based on the fact that the real support email address is obsfuscated, the support's direct intention to stall the ticket as long as possible, and everything else, I can reasonably state that this business is attempting to withold me from my money.

    Business Response

    Date: 11/16/2022

    Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************

    On October 4, 2022, during a routine monitoring accounts, we identified unusual account activity. As a result, we placed a hold on the account and requested documentation from **********;that could verify their identity.
     
    Between October 13, 2022, and November 14, 2022, ***** submitted some of the requested information for our review.
     
    Upon receipt of this complaint, we have escalated ******* issue for further review. They will receive an update via email as soon as possible. 
     
    We thank you for the opportunity to respond to ************** complaint. If ******************;continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

    Customer Answer

    Date: 11/20/2022

     
    Complaint: 18360476

    I am rejecting this response because:

     

    After following up with the requested documents, going through multiple steps of verification, and waiting for many weeks, I received an email stating that my account is closed for not being in compliance with internal policies, and to reply when I "can provide the requested documents". It is never stated what policies i've broken, and what documents I need to provide after I've already provided my passport, a selfie with my ID, and everything else they asked.

    I also have money in the bank account, and there is no way for me to receive back that money upon the closure of my account.



    Sincerely,

    ***************

    Business Response

    Date: 11/23/2022

    Thank you for giving us the opportunity to follow up on ************** BBB complaint.

    An email was sent to ***** on November 19, 2022 with the required information to ********** the account. At this time, we have not received this information.  
     
    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:11/05/2022

    Type:Product Issues
    Status:
    Answered
    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 state work checks were DP TO MY CLOSED CHIME ACCOUNT. I MOVED .3 ***** CHIME HAS NOT RETURNED THE MONEY AS OF YET I CALLED A MILLION TIMES THEY WON'T ASSIST WITHOUT KNOWLEDGE OF MY LAST TRANSACTION..THE ACC IS CLOSED I HVE NO ACCESS.I WANT MY DP TO BE SENT BCK TO SENDER (IHSS ) *********** SO THAT MY JOB CAN REISSUE BCK TO ME. Spoken to so many Chime Employees THIS A SCAM BANK PLS ASSIST ME ASAP.I HVE LOST MY ********** BEHIND THIS. CHIME STATED MY MONEY IN A SUSPENSE ACC UNCLAIMED. IM TRYIN TO CLAIM IT 3 ***** THEY HANGS UP. WAS TOLD TO CNCT- ******************************** STILL NOTHING. IHSS CANT HELP UNTIL CHIME RETURN THE FULL $ BACK. THIS IS HOW THEY FRAUD US KEEPIN $ ON CLOSED ACCOUNTS.My pay @$1555. Bi weekly Since AUGUST 10/TH THEIR HOLDING MY DIRECT DEPOSITE. ACCOUNT INFO:************************* 6/5/67 SSA# **** ********************** ISSUES ACCURD ON & ABOUT AUGUST **** PLEASE HELP ME RETREIVE MY MONEY BCK ON MY CLOSED ACCOUNT.ONCE U CLOSE ACCOUNT NO ACC INFO AVAILABLE TO ME

    Business Response

    Date: 11/16/2022

    Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **************************
     
    On September 8, 2022, ****** contacted us regarding seven direct deposits they were expecting, which ****** stated was not posted to their account.
     
    Our records show that August 7, 2022, the direct deposits Yvette referenced were posted to the account.
     
    We would like to note, ******** account is currently open. If ****** is having account access issues, they may contact us at ******************************** for assistance with regaining access. 
     
    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:11/05/2022

    Type:Billing Issues
    Status:
    Answered
    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 October 15 I tried to use my debit card it was declined. I didnt think this was right because I knew I had funds in the bank. I was then advised by a member of Chime bank thank my account was being flagged because of fraudulent activity and that it would be resolved in 5-7 business days. The resolution never came. I have not have any access to any money since 10/18/22. I have called, emailed, and called every number I could find on the internet to try and resolve this matter with no luck. As I stated I have not had any access to any of my money. I have bills to pay, I had children to take care of. I have had to borrow money to try to stay afloat since then. I dont know what to do. Im about to be evicted because now its a new month and I dont have any money to pay rent. If anyone has any advise please reach out.

    Business Response

    Date: 11/15/2022

    Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******************************
     
    On October 18, 2022, Chime's partner bank, *********** suspended the account after it was determined that the account was not in compliance with internal policies/the member agreement executed at enrollment. To provide the safest possible banking platform for our members, sometimes holds are placed on accounts in order to keep members money and information safe while we verify the account is not being abused.
     
    Between October 18, 2022 and November 9, 2022, Nicholas submitted some of the requested information for our review.
     
    We have escalated the inquiry/issue referenced in **************;complaint for further review. ******** will be contacted via email as soon as an update is available. We appreciate Nicholass patience while we are reviewing their 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 ********************************.

  • Initial Complaint

    Date:11/05/2022

    Type:Sales and Advertising Issues
    Status:
    Answered
    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 money stolen out of my account on may *******. Chime did not refund me my money till this day. They have denied that the money was stolen. It shows the address where is was stolen from and the *** has a camera that can prove I was not the one withdrawing the money. They do not want to even try looking into this.

    Business Response

    Date: 11/11/2022

    Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ************************************
     
    On May 21, 2022, ******* contacted us via  email regarding one ATM withdraw totaling $383.00 which ******* stated was unauthorized. We then opened an investigation into the matter and filed a dispute.
     
    On May 31,2022, we notified ******* via email that we completed our investigation and based on the information available, we determined that no error occurred. Additionally that day, ******* requested a copy of the documents we relied on in making our determination. During that same day, a copy of the documents ******* requested were forwarded to the email on file.
     
    Upon receipt of ********* complaint filed with the BBB, we escalated the dispute referenced in *******'s complaint for further review. ******* will be notified via email as soon as the investigation is completed. We appreciate Julissas patience while we are reviewing their 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:11/05/2022

    Type:Billing Issues
    Status:
    Resolved
    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.
    Well for the last month and a half my last four digits on my chime account have been entered incorrectly by time I've been calling every other day to get this fixed emailing the correct information to them and it is not fixed there is $1,000 that is being held up because of this that I need into my account and made available as I am to buy a car with that money and I cannot now that the account is messed up my social security check goes into this account as well desired resolution

    Business Response

    Date: 11/11/2022

    Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******************************
     
    Upon receipt of *******'s complaint filed with the BBB, we directed *******'s request to the appropriate team. ******* will be notified via email as soon as an update is available.

    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: 11/11/2022

    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:11/05/2022

    Type:Service or Repair Issues
    Status:
    Answered
    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 bank returned my deposit back to SSA and closed my account

    Business Response

    Date: 11/11/2022

    Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****************************
     
    On January 16, 2022, **** notified us they would like their Chime Checking Account closed. That same day, the account was closed per ****** request. 
     
    Our records show that on November 1, 2022, the direct deposit **** referenced was returned to the sender. This was returned on November 1 as Chime does not allow direct deposits to be made to closed accounts. We now consider this matter closed.
     
    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:11/05/2022

    Type:Billing Issues
    Status:
    Answered
    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 October 30th 2022 I had money taken out of my account. The persons name is ********************* to the amount of $323 dollars. I don't know this person was taken out of my checking while I'm sitting at home. The bank is asking for more information but all has is a name no phone no bank account name or numbers. They keep denying my dispute saying that they are finding no error. I have never transferred money to anyone not even my own mother.

    Business Response

    Date: 11/14/2022

    Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **************************
     
    On October 30, 2022, ****** contacted us via email regarding a transaction totaling $323.00 which ****** stated was unauthorized. We then opened an investigation into the matter and filed a dispute.
     
    On October 31, 2022, we notified ****** via email that we completed our investigation and based on the information available, we determined that no error occurred. On that same ******************** inquired about reopening the case, and a rebuttal claim was opened.
     
    On November 1, 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 November 2, 2022, ****** inquired about reopening the case, and a rebuttal claim was opened. Later that 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. In reply that ******************** inquired about reopening the case, and a rebuttal claim was opened. Additionally that ******************** requested a copy of the documents we relied on in making our determination.
     
    On November 5, 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. Please note, we will send the requested documents as quickly as possible, but it may take up to 10 business days.
     
    Upon receipt of ******** complaint filed with the BBB, we escalated the dispute referenced in ******** complaint for further review. ****** will be notified via email as soon as the investigation is completed.  We appreciate ******* patience while we are reviewing their 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 ********************************.
     

    Customer Answer

    Date: 11/15/2022

    I have received any documents and it's been past 10 business days.

    They even fought me on closing my account.

    Business Response

    Date: 11/16/2022

    Thank you for giving us the opportunity to follow up on *************************** BBB complaint.
     
    On November 2, 2022, ****** 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.
     
    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:11/05/2022

    Type:Product Issues
    Status:
    Answered
    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 sent me an email that was said to be from **************** requesting proof of me being me and all direct deposits made to my checking account. Well I gave them the proof they requested on 2 separate occasions. Today they closed/suspended my account. I get my paycheck later today and I am not able to get it to pay my bills and care for my kids. I called chime they claimed Bancorp said I didn't send enough proof which I did I asked for a number to call and speak with Bancorp I was told I could only email them through the emails they sent me I have not received and responses at all still can't access my account they have stolen my money money I worked hard for money that I need to care for my kids they stole it and keep giving me the run around .

    Business Response

    Date: 11/08/2022

    Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ************************
     
    On November 2, 2022, during a routine monitoring accounts, Chime's partner bank, ***************** N.A., identified some unusual activity regarding the amount and/or origin of certain funds which were deposited to Audreys Chime account. As a result, a hold was placed on the account and documentation was requested from ****** that could verify the source of the funds deposited.
     
    Between November 2, 2022 and November 7, 2022, ****** submitted some of the requested information for our review.
     
    The account remains closed and is not eligible to be re-enabled or for a refund check until ****** provides ALL valid copies of the required documents. We emailed ****** on November 8, 2022 requesting the documentation that is still needed to re-enable the account.
     
    The requested documentation can be sent to us by email 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: 11/08/2022

     
    Complaint: 18347766

    I am rejecting this response because: As I explained to them over the phone and VIA email not all origins provide statements and since I was told via email I could not send screenshots they would not get all required documents. Also in the same phone conversation their staff was able to confirm the origins since they have access to my account to see who gave me money and where it came from. 

    Sincerely,

    ***********************

    Business Response

    Date: 11/09/2022

    Thank you for giving us the opportunity to follow up on ******************* BBB complaint.
     
    To provide the safest possible banking platform for our members, sometimes holds are placed on accounts in order to keep members money and information safe while we verify the account is not being abused.
     
    We are more than happy to work with ****** to get their account reinstated/issue a refund for the remaining balance on the account. We emailed ****** on November 8, 2022 requesting the documentation that is still needed to re-enable the account. The account remains closed and is not eligible to be re-enabled or for a refund check until ****** provides ALL valid copies of the required documents. 
     
    The requested documentation can be sent to Chime by email 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: 11/09/2022

     
    Complaint: 18347766

    I am rejecting this response because: once I again which I have stated numerous times I have submitted every form of documentation that I could and that was allowed. Since I was told I could not submit documents that were screenshots I am not able to submit certain information because I am not able to provide an actual statement. Also as I have stated the only proof I am able to provide an actual statement for is my payroll checks and copies of my ID which I provided in a reply to an email that told me to send copies of my ID and proof of residency I did that my cellphone bill and my payroll stub was used not only for proof of residency but also proof of how I receive money. I can't obtain statements from instant cash apps I can only take screen shots and since I am not allowed to send screenshots as proof there not going to get any other proof other than a pay stub. I've had to go over this so many times and I've repeated myself so many times only to keep getting told the same thing over and over with account still locked so I am moving forward Chime will need to speak with attorney when he reaches out to them.

    Sincerely,

    ***********************

    Business Response

    Date: 11/10/2022

    Thank you for giving us the opportunity to follow up on ******************* BBB complaint.
     
    The account remains closed and is not eligible to be re-enabled or for a refund check until ****** provides ALL valid copies of the required documents. We emailed ****** on November 8, 2022 requesting the specific documentation that is still needed to re-enable the account. 
     
    The requested documentation can be sent to Chime by email 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: 11/10/2022

     
    Complaint: 18347766

    I am rejecting this response because: this is the same response I've received 3rd time now obviously chime isn't willing to do anything to fix it because they keep ignoring what I'm saying.

    Sincerely,

    ***********************

  • Initial Complaint

    Date:11/05/2022

    Type:Product Issues
    Status:
    Answered
    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 10/21/22 I received a direct deposit of ****** via ************ (Chime), On 10/22/22 I got a purchase notification from Lyft for $21.13, I immediately called Chime to report. I had no control of using the Chime App. While speaking with Chime another transaction came through from ****** Market for $165.32, ****** again for $126.97, the rep ****** she turned off the card but another transaction for Lyft $27.14, CVS pharmacy $13.76, *************** Department $5.15, $220 were transferred from my Credit Builder account with Chime to my checking, a door dash purchase $27.57, door dash again $25.33, $172 were transferred from credit builder to checking, Sunoco $3.28, $160 transferred to apple cash, Lyft $35.12, Lyft $37.64, ********************* $45.69, ********************* $29, ***************** $13.09, Rosedale drugs $6.21, ****** market $59, Citigo 6 & Southf for $2.97, all this happened while I was speaking with representative. I disputed 10/22/22-declined 10/24, disputed again declined 10/25/22, each time representative did **************, I was able to find Chime customer affidavit form & make complaint with FTC & submit, no representative ever told me about the form or sent it to me, Chime gave me back $333, per documents attached the scammers put me in overdraft by $210 & yet chime ****** they didn't find an error from first 2 disputes; yet they still owe me & do not want to give my money back, I want a refund of ******, which is my money and the $210 overdraft from the scammers hacking my card with Chime, Chime see that these transactions were all done in *******, **, I live in ** & were nowhere near ** on any of these transactions, Chime should give me my money back and contact the stores for their money, go after the scammers, I have been with Chime for some time & the representative didn't do what it take to protect me. All this could have been prevented. Chime is through ************ which is protected by FDIC, which means consumers money is protected

    Business Response

    Date: 11/11/2022

    Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******** Christmas.

    Claim ID: *******
    On October 22, 2022, Crampton contacted us via phone regarding 6 transactions totaling $576.92 which Crampton stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
     
    On October 30, 2022, we notified Crampton via email that we completed our investigation for part of the claim totaling $333.19 and based on the information available, we determined an error occurred. As a result, a credit in the amount of $333.19 was posted to Cramptons account. For the remainder of the claim totaling $243.73, based on the information available, we determined that no error occurred.
     
    Claim ID: *******
    On October 25, 2022, Crampton contacted us via phone regarding multiple transactions totaling $392.00 which Crampton stated were unauthorized. We then opened an investigation into the matter and filed a dispute.
     
    On October 26, 2022, we notified Crampton via email that we completed our investigation and based on the information available, we determined that no error occurred.
     
    Claim ID: *******
    On October 25, 2022, Crampton contacted us via phone regarding 4 transactions totaling $79.18 which Crampton stated were unauthorized. We then opened an investigation into the matter and filed a dispute. The same day, we notified Crampton via email that we completed our investigation and based on the information available, we determined that no error occurred.
     
    We have escalated the disputes referenced in ********** complaint for further review. Crampton will be notified via email as soon as the investigations are completed.

    We thank you for the opportunity to respond to ******** Christmas' complaint. If ******** Christmas continues to have concerns regarding their complaint, please have them contact Chime directly by email at ********************************.

  • Initial Complaint

    Date:11/05/2022

    Type:Product Issues
    Status:
    Answered
    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 not received an email confirmation from Chime stating whether or not my account I never used will be re-opened. I called & spoke Representatives for 2 days from October 31, 2022 - November 1, 2022 still no email confirmation. They have a scanned copy of my *********** Security card. At this point I now want them to delete my account & send me an email confirmation that they've discarded/deleted my ID & SS card.

    Business Response

    Date: 11/10/2022

    Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******************************
     
    On October 31, 2022, ******** contacted via email requesting to reopen their account. As a result, we requested documentation from ******** that could verify their identity. On that same day, ******** submitted some of the requested information for our review. Later that day, ******** submitted some of the requested information for our review.
     
    The account remains closed until ******** provides valid copies of the required documents We emailed ******** on November 9, 2022, requesting the documentation that is still needed to re-enable the account. 
     
    The requested documentation can be sent to us by email 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: 11/11/2022

     
    Complaint: 18345496

    I am rejecting this response because: Chime refuse to email me within a 24hr. time frame on yes or no to reopening my account so that I could borrow funds from the app.  I never used the app & the 1st initial Representative I spoke with told me I needed to submit my state ID & something with my Social Security number on it, so I submitted both my state ** state ID & my Social Security card, both were scanned & emailed to them.  Their most recent email to me since I filed my complaint with The Better Business Bureau is still asking me for more information.


    I want them to completely delete my personal information & close my account for good because those were the main 2 most sensitive forms of identity that I could submit to them.  Yet they're still acting as thoughn that's not enough.  They never had any intentions on allowing me to borrow any ***** funds from the app, & what's worse is that their employees have my Scoial Security number in their possesion.  I NEVER submit a copy of something so sensitive unless I'm dealing with the ******************* my ************************* or a ** Government Agency.  Several years ago I had to file a identity theft report with The ** *************************************** here in **.  So my personal information is still in the database of DC Police Department.  Chime didn't respond within 24-48hrs., 2 weeks have almost gone by & they're still sending me emails requesting more of my identity.  Their employees seem to have no idea on what forms of identity carries the most weight here in ***************** because many of them are not from here.  I want confirmation from whoever is the Founder or Head of this app/Company to send me a email confirmation that my 2 sensitive forms of ID are completed discarded ***** their database & the account is permanently closed.  I won't contact them in the future about reopening an account I never used because of how they handled the very same situation this time.

    Sincerely,

    *****************************

    Business Response

    Date: 11/16/2022

    Thank you for giving us the opportunity to follow up on ******************************* BBB complaint.
     
    The account remains closed until ******** provides valid copies of the required documents We emailed ******** on November 9, 2022, requesting the documentation that is still needed to re-enable the account. 
     
    The requested documentation can be sent to us by email 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: 11/16/2022

     
    Complaint: 18345496

    I am rejecting this response because: ON OCTOBER 31, 2022 I EMAILED/SUBMITTED A SCANNED COPY OF MY SOCIAL SECURITY CARD & MY STATE ** ID CARD.  ********** THE DISPUTE RESOLUTION SPECIALIST IS LYING BECAUSE I'VE ATTACHED THE VERY EMAIL I SENT TO CHIME IS ATTACHED TO THIS RESPONSE.  THIS IS THE REASON FOR ME FILING A COMPLAINT WITH THE BETTER BUSINESS BUREAU AGAINST CHIME.  THIS IS ALSO THE REASON FOR ME REQUESTING THAT CHIME SEND ME AN EMAIL CONFIRMATION THAT MY DC STATE ID & SOCIAL SECURITY CARD THAT WAS SCANNED & SENT TO THEM BE DISCARDED.  AFTER CHIME TOOK MY IDENTITY, NEVER REOPENED THE ACCOUNT THAT I NEVER USED SO THAT I COULD BORROW MONEY,  THEY HAVE THE AUDACITY TO LIE & SAY THAT I NEVER SENT THE NECESSARY DOCUMENTS.  I DON'T WANT THEM TO JUST KEEP THE ACCOUNT CLOSED, I WANT ALL MY PERSONAL INFO FROM MY ID TO MY SOCIAL SECURITY CARD TO BE DELETED FROM THEIR DATABASE.  THEY LEGALLY HAVE NO RIGHT TO HOLD ON TO MY IDENTITY, ESPECIALLY AFTER LYING & SAYING I DIDN'T SUBMIT THEM THEN HAVING MY CREDENTIALS & NEVER REOPENING MY ACCOUNT.  


    IF I DON'T RECEIVE AN EMAIL CONFIRMATION THAT MY INFORMATION HAS BEEN DELETED, NOT DEACTIVATED NOR CLOSED.  DELETED!!!!  I'LL BE FILING A COMPLAINT WITH THE BUREAU OF CONSUMER PROTECTION & THE ATTORNEY GENERAL OF CONSUMER PROTECTION.

    Sincerely,

    *****************************

    Business Response

    Date: 11/17/2022

    Thank you for giving us the opportunity to follow up on ******************************* BBB complaint.
     
    On October 31, 2022, ******** contacted via email requesting to reopen their account. As a result, we requested documentation from ******** that could verify their identity. On that same day, ******** submitted some of the requested information for our review. Later that day, ******** submitted some of the requested information for our review.
     
    The account remains closed until ******** provides valid copies of the required documents We emailed ******** on November 9, 2022, requesting the documentation that is still needed to re-enable the account. 
     
    The requested documentation can be sent to us by email 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 ********************************.

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