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:04/09/2025

  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.

  There was a transaction on 03/23/2025 for the amount of $144.01 to U-Haul. I got a text message from the fraud department asking if it was me and I said no. The money was still taken out of my account, along with $14.28 also to U-Haul. I had to wait to the charges cleared to dispute them even though they were supposed to be blocked after I confirmed that it wasnt me making the transaction. On 03/27/25 I disputed the charges with Chime and they denied me. I am now reaching out to the BBB to try and help me resolve this so that I can get my money back.

  Business Response

  Date: 04/14/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******* *****.
  
  On March 27, 2025, Jonessa called regarding two (2) transactions totaling $158.29 which Jonessa stated were unauthorized. We filed a dispute and began an investigation into the matter. 
  
  On April 7, 2025, we notified Jonessa via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  We have escalated the dispute referenced in Jonessa's complaint for further review.  We will notify them via email should this review change the outcome of their claim.
  
  We thank you for the opportunity to respond to ******* ***** complaint. If Jonessa Jones continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/15/2025

   
  Complaint: 23182549
  
  I am rejecting this response because: I did not authorize these charges! I have not made any attempts to use U-Haul services. Furthermore, I dont even have a drivers license to use anything from that company! I want my funds that you all were supposed to block.
  
  Sincerely,
  
  ******* *****

  Business Response

  Date: 04/21/2025

  Thank you for giving us the opportunity to follow up on ******* ***** BBB complaint.
  
  We understand this is not the resolution Jonessa was seeking, but we are confident the investigation of the claim was properly conducted and resolved. If ******* still does not agree with the outcome of the claim, they may submit an appeal for an additional review by contacting Chime *************** at ************ or through the Help section of the Chime apps Settings menu.
  
  Please note, in order to reopen the claim(s), <member first name> must include additional information that was not previously provided to us during our initial investigation. The timeframe for additional reviews is 45 days and <member first name> will be notified via email once a final outcome has been determined.
  
  We thank you for the opportunity to respond to ******* ***** complaint. If Jonessa Jones 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 have received a chime debit card to my home address and I never applied or heard of this bank. I never gave any of my information to that bank which is a fraudulent account and my name with my social security and address. I contacted the bank and was told in order to close the account I have to file an FTC report which I did, upon completion of report I got a reference number of completion, to which the bank said its not good enough and they need a PDF file report. I informed the bank the *** provides no such form but only a confirmation number which I gave them, the bank then told me they cant help me. I files a police report with my local precinct, however they cant do much as bank doesnt give me a statement of the account thats open under my name. The bank has my information which I never authorised and they are not closing this account upon my request even after I submitted and did the things they have asked me to do

  Business Response

  Date: 04/16/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******* *******.
   
  Chime takes reports of identity theft very seriously and has taken the appropriate action on the reported account.
   
  On March 28, 2025, the account in question was suspended. This will prevent the account from being used or any new account from being opened with the same information.
   
  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.
   
  Our records indicate that on March 20, 2025 an application for a Chime Checking Account using Katrinas information was submitted through Chimes website. Applicants are required to certify that the information provided at the time of enrollment is true, and as a result the application was deemed to be authorized and the application was approved.
   
  After a reasonable investigation, Chime flagged and closed the account on April 2, 2025. In order to prevent further unauthorized activity, Chime additionally flagged Katrinas personal information so no other accounts would be opened using Katrinas information on Chimes platform.
   
  As further reassurance, Chime would not report any information to external credit reporting agencies in relation to the unauthorized account, and ********************** will not hold Katrina responsible for any activity on the account. Since Katrinas personal information was used to open the account in question, ********************** recommends Katrina take the following precautions to monitor their identity:
  Review their annual credit report for any unauthorized accounts/activity
  Contact the major credit reporting agencies to place a freeze on their credit report
  File an identity theft report at ***********************************;

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

• 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.

  My cousins wife came to my house and connected to my WiFi on Dec 26th 2024 to buy one of my iPhones for her kid for Christmas. I charged her $120. She sent me the $ on chime. (My chime card went missing and I had to report it as stolen and get a new one, twice, because of her). She contacted chime and told them the transaction was unauthorized so chime sent it back to her. It was not unauthorized. I spoke with ******* **** ****** and she said she did not do that, that her account was hacked. ********************** wont even let me close my account until I pay the remaining money that I do not even owe because she took my iPhone and the money back!! That is not fair!! That means I could go to you and buy $5,000 worth of jewelry or whatever and then call them and say it wasnt me and then you would be up a creek without a paddle. Does that sound right to you? Please help

  Business Response

  Date: 04/14/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***** *****.
   
  For security reasons we are unable to provide information in regards to another member's account. In order to reach the best possible outcome and resolve the complaint, please advise the member who is experiencing the issue to contact Chime *************** at ************ and we will be more than happy to further assist.
   
  We also recommend ***** to reach out to the third party to reprocess the payment via Pay Anyone transfer. 
   
  Furthermore, please note that ***** would need to cover any remaining negative balance on the account for us to move forward with the account closure request.
   
  We thank you for the opportunity to respond to ***** Prices complaint. If ***** Price 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.

  Chime refuse to refund my money from ***** purchases I didnt make and said it was denied didnt show no proof our and evidence and they even put a stop payment on all ***** purchases and even sent me out a new card I wont my money back

  Business Response

  Date: 04/11/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***** *******.
   
  On March 20, 2025, Hanna called us regarding four (4) transactions totaling $38.96 which Hanna stated were unauthorized. On the same date, we processed a stop payment for the disputed merchant, and sent a new card to Hanna's address on file to prevent any further unauthorized transactions. We then filed a dispute and began an investigation into the matter.
   
  On April 2, 2025, we notified Hanna via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  We have escalated the request to send Hanna the documents used in our investigation. This will include information that we had available to us and additional information. If any, please know that 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 ***** Edwards continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 04/12/2025

   
  Complaint: 23180055
  
  I am rejecting this response because:
  I want my full amount of money refunded to me I didnt make any of these Apple purchases at all . 
  Sincerely,
  
  ***** *******

  Business Response

  Date: 04/15/2025

  Thank you for giving us the opportunity to follow up on ***** *******' BBB complaint.
   
  On April 11, 2025, Hanna requested a copy of the documents we relied on in making our determination. On the same date, a copy of the documents Hanna requested was forwarded to the email on file.
   
  We understand this is not the resolution Hanna was seeking, but we are confident the investigations of the claim was properly conducted and resolved.
   
  We thank you for the opportunity to respond to ***** *******' complaint. If ***** Edwards continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 04/15/2025

   
  Complaint: 23180055
  
  I am rejecting this response because:
  Iam owed a refund I didnt make these transactions 
  Sincerely,
  
  ***** *******

• Initial Complaint

  Date:04/08/2025

  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.

  On March 24 at 730 someone had called acting like chime saying someone was in my account that I had to change my password. I had gotten a text at 330 pm stating someone from ************* was trying to use my information. I had hit back no and that night someone had acted like chime and was already in my account acting like they had to move the money. That's when they transferred all my money to that number and then hung up on me. I tried to call it back and I just kept getting a voice mail. I looked up the number and it was from *************. I then called chime and made a fraud report right away and they denied my claim several times even though I sent evidence and the police report information that it was not me .

  Business Response

  Date: 04/10/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******** *****.
   
  On March 24, 2025, Brittany contacted us via phone regarding a Pay Anyone transfers totaling $1,287.00 which Brittany stated was unauthorized. We filed a dispute and began an investigation into the matter. 
   
  On March 25, 2025, we notified Brittany via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  Between March 26, 2025 and March 31, 2025, Brittany made multiple requests to reopen the investigation and additional reviews were initiated. As of our latest decision on April 2, 2025, we notified Brittany via email that our decision remains that no error occurred.
   
  We thank you for the opportunity to respond to ******** ****** complaint. If ******** Drake continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 04/11/2025

   
  Complaint: 23179608
  
  I am rejecting this response because: I have proved that fraud had happened .
  
  Sincerely,
  
  ******** *****

  Business Response

  Date: 04/14/2025

  Thank you for giving us the opportunity to follow up on ******** ****** BBB complaint.
   
  We understand this is not the resolution Brittany was seeking, but we are confident the investigations of the claim was properly conducted and resolved.
   
  We thank you for the opportunity to respond to ******** ****** complaint. If ******** Drake continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 04/14/2025

   
  Complaint: 23179608
  
  I am rejecting this response because:
  I did not give anyone permission to go into my account and steal my money .
  Sincerely,
  
  ******** *****

  Business Response

  Date: 04/17/2025

  Thank you for giving us the opportunity to follow up on ******** ****** BBB complaint.
   
  We understand that Brittany would like a different outcome for their dispute claim. However, we are confident that the investigation of the claim was correctly decisioned. We now consider this matter resolved.
   
  We thank you for the opportunity to respond to ******** ****** complaint. If ******** Drake continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 04/17/2025

   
  Complaint: 23179608
  
  I am rejecting this response because:
  
  Sincerely,
  
  ******** *****

• Initial Complaint

  Date:04/08/2025

  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.

  Chime stole money from my account 480

  Business Response

  Date: 04/14/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******* ******.
   
  On March 31, 2025, ******* filed dispute claims for transactions that posted to their account between February 27, 2025 and March 24, 2025. We have reviewed each claim extensively and affirm the final determinations as valid and we consider these matters closed. 
   
  We understand this is not the resolution Brianna was seeking, but we are confident the investigations of your claims were properly conducted and resolved.
   
  We thank you for the opportunity to respond to ******* Tuckers complaint. If ******* Tucker continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

• Initial Complaint

  Date:04/08/2025

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have my pay which I have been able to access ****** for months now . Today on 4/8/2025 I noticed that it went down to 360 which 140 of MY money is missing this iS NOT chime money its mine, on 3/25/2025 I had a larger deposit on payroll which they excuse to my pay decrease is because my income changed but like u said if you look at all my direct deposits you will see they all pretty much the same . It didnt even change when my check was way lower . First she tried to say because my account wasnt hooked up . This is my money they are stealing and they are scamming Im not borrowing they money this is mines they took it out my direct deposits and have the audacity to tell me I cant get the rest of my money..

  Business Response

  Date: 04/17/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******** ****.
   
  To activate MyPay on an account, members must accept the MyPay Line of Credit Agreement (Agreement) terms, which is also available anytime on Chimes website at ************************************************************
   
  As a reminder, Chimes MyPay product functions like a credit line, providing ******** with a payroll advance when needed before their next direct deposit. It is important to note that the money ******** receives from these advances is not their own; it comes from a credit limit that Chime has made available to them. Just like with any other credit line, when ******** takes out an advance, they are borrowing money that must be repaid.
   
  The Credit Limit is the maximum amount a member can access during their pay period, which is the interval between expected Qualifying MyPay Direct Deposits.
   
  The Available Now amount is the maximum advance a member can take on any given day. At the start of the member's pay period, immediately after receiving a qualifying direct deposit, this amount begins as a small portion of their credit limit.
   
  As outlined in the Agreement, the Credit Limit associated with MyPay is designed to fluctuate based on certain criteria. Please review the Agreement under Credit Limit which states:
   
  You understand and agree that we may reduce or increase your Credit Limit in our discretion at any time. You understand and agree that we do not have to provide you with advance notice of changes to your Credit Limit. Requests for increases in Credit Limits are not accepted or permitted. Your Credit Limit may be affected by direct deposit activity, Chime and Bank account activity, risk-based criteria, and availability of *************** Sources.
   
  As long as members continues to receive consistent direct deposits to their Chime account and meet the MyPay eligibility requirements, they will be able to continue using MyPay, and their credit limit may increase.
   
  We thank you for the opportunity to respond to ******** Fords complaint. If ******** **** continues to have concerns regarding their complaint, please have them contact Chime *************** at ************.

  Customer Answer

  Date: 04/17/2025

   
  Complaint: 23178288
  
  I am rejecting this response because:
  My pay went down because of a decrease from a direct deposit stated from a representative meaning last pay it was one thing next it was not . My point is my checks has always been in between so why when my checks was smaller my pay wasnt decreased it was at this moment. Which makes zero sense. I been having direct deposits coming in the this account for years 

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

  Business Response

  Date: 04/25/2025

  Thank you for giving us the opportunity to follow up on ******** Fords BBB complaint.
   
  To activate MyPay on an account, members must accept the MyPay Line of Credit Agreement (Agreement) terms, which is also available anytime on Chimes website at ************************************************************
   
  Johnnita's 'Available Now' amount is determined based on their direct deposit amount, direct deposit history, and other risk-based factors. As described in the MyPay Line of Credit Agreement, the following reasons may affect the MyPay credit limit:
  A change in the amount of direct deposits received to a members Chime account,
  If the member hasnt received a qualifying direct deposit in the last 36 days
  Changes to the members work information may result in Chime re-evaluating Available Now and credit limit factors at the start of their next pay period. This could result in a change to their Available Now amount and credit limit.
  Internal risk-based criteria 
  After an investigation, Chime can confirm that the MyPay product is working as intended. 
   
  We thank you for the opportunity to respond to ******** Fords complaint. If ******** Ford continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/28/2025

  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:04/08/2025

  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.

  So I recently filed disputes for my credit builder and debit card and they were denied. But I've received multiple emails from the companies the disputes were for saying that they've received chargebacks and honored them yet Chime denied my disputes? If they've sent the money back and I haven't received it that means Chime is keeping and stealing it. And how can some chargebacks go through and others arent if you denied the dispute in total? None of this makes sense and it all seems sketchy af. Then I ask for the evidence for why they were even denied in the first place and don't receive it. I appeal it and it's denied instantly so they clearly haven't given it a second look if the appeal is denied as fast as is was/is. This company is a bunch of crooks. Not once have I ever had a chargeback denied without a reason given from any other financial institution.

  Business Response

  Date: 04/11/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ****** *****.
  
  Claim ID: ********
  
  On March 18, 2025, ***********;called regarding forty-two (42) transactions totaling $358.85 which Dallas stated were unauthorized. We filed a dispute and began an investigation into the matter. 
  
  On April 1, 2025, we notified Dallas via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  Per review of Dallass Credit Builder account, the merchant issued a $2.99 credit on April 6, 2025.  On April 7, 2025, the merchant issued $120.00 in credits to Dallass Credit Builder account.  ****** can confirm this by reviewing their account statement, which they may access and view in the Settings section of their Chime app. 
  
  Claim ID: ********
  
  On March 18, 2025, ***********;called regarding fifty (50) transactions totaling $374.84 which Dallas stated were unauthorized. We filed a dispute and began an investigation into the matter. 
  
  On April 1, 2025, we notified Dallas via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  Dallas requested a copy of the documents we relied on in making our determination. Upon receipt of Dallas complaint, we have escalated for the requested documentation to be sent to Dallas via email as soon as possible. 
  
  We thank you for the opportunity to respond to Dallas Moores complaint. If Dallas Moore continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 
  
  Per review of Dallass Checking Account, on April 7, 2025, the merchant issued $175.00 in credits. Dallas can confirm this by reviewing their account statement, which they may access and view in the Settings section of their Chime app. 

  Customer Answer

  Date: 04/12/2025

   
  Complaint: 23176249
  
  I am rejecting this response because:

   

  The email I received said it contained documents used to deny my disputes but it contained nothing but the amounts and company I disputed things with. There were no attachments in the email. So please explain how there are documents ATTACHED to an email but there's nothing for me to click on to download. How were you able to deny and determine nothing happened with my disputes by regurgitating the information I gave to initially file the claim? That makes no sense what so ever. Screenshot of email received. And also how does on make a dispute and only get some of the charges back but not all of them? Again makes no sense. I've never had chargebacks denied with any other financial institution (or attempt of one) yet almost every time I've had to with Chime they deny deny deny. And all there was in the link you sent me was 1. My intake form which is just the questions and my answers for the dispute. 2. A copy of the kleetter you sent me denying my claim (WTF?) 3. An account statement of my checking account lol. This is supposedly the informatiom *air quotes* you used to deny my claims lol. What pieces of information did you sue that made it so easy to determine your decision? I'd love for you to extrapolate. 

   

   

   

   

   

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

  Business Response

  Date: 04/17/2025

  Thank you for giving us the opportunity to follow up on ****** ****** BBB complaint.
   
  Claim ID: ********
   
  On April 11, 2025, Dallas requested a copy of the documents we relied on in making our determination. On the same date, a copy of the documents Dallas requested was forwarded to the email on file.
   
  Claim ID: ********
   
  On April 11, 2025, Dallas requested a copy of the documents we relied on in making our determination. On the same date, a copy of the documents Dallas requested was forwarded to the email on file.
   
  Please note that on the email you received that contains the document used in the investigation, you can click the "Use this link to access" to view the attachments. 
   
  We understand this is not the resolution Dallas was seeking, but we are confident the investigations of the claims were properly conducted and resolved. If Dallas still does not agree with the outcome of the claims, they may submit an appeal for an additional review by contacting Chime *************** at ************ or through the Help section of the Chime apps Settings menu.
   
  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 additional review is 45 days and Dallas will be notified via email once a final outcome has been determined.
   
  We thank you for the opportunity to respond to ****** ****** complaint. If Dallas Moore continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/17/2025

   
  Complaint: 23176249
  
  I am rejecting this response because:

   

  The information you sent me that you "used" to make your determination was 1. A copy of my monthly bank statement. 2. A copy of the questions that were asked to me for the dispute process and my answers. And 3. A copy of the letter you sent me saying you were denying my dispute. NONE of this is valid information you could of used to make a determining decision in denying my disputes. Ya'll are crooks plain and simple. Included the "documents" they used to make their determination lol. These people need shut down 
  
  
  Sincerely,
  
  ****** *****

  Business Response

  Date: 04/18/2025

  Thank you for giving us the opportunity to follow up on ****** ****** BBB complaint.
   
  We appreciate the circumstances surrounding Dallas situation. However, we have pursued every available action to resolve the dispute in Dallas favor. At this time, we are unable to provide any additional refund.
   
  If Dallas still does not agree with the outcome of the claims, they may submit an appeal for an additional review by contacting Chime *************** at ************ or through the Help section of the Chime apps Settings menu.
   
  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 additional review is 45 days and Dallas will be notified via email once a final outcome has been determined.
   
  We thank you for the opportunity to respond to ****** ****** complaint. If Dallas Moore continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

• Initial Complaint

  Date:04/08/2025

  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.

  On March 25 I noticed some unauthorized transactions on my account and i reached out to chime customer support team to have my money recovered but they kept saying that they have concluded no error occurred. Therefore, no funds will be credited to my account and the claim for unauthorized transaction would be considered closed. ignoring my messages and claims with proof of transactions being unauthorized.

  Business Response

  Date: 04/14/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by **** A ******.
   
  On March 24, 2025, Kyle called us regarding a Pay Anyone transfer totaling $399.00 which Kyle stated was unauthorized. We filed a dispute and began an investigation into the matter. 
   
  On March 26, 2025, we notified Kyle via email that we completed our investigation and based on the information available, we determined that no error occurred.
   
  We thank you for the opportunity to respond to **** A Chavezs complaint. If **** A Chavez continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/15/2025

   
  Complaint: 23127845
  
  I am rejecting this response because a refund hasnt been received yet neither have I been contacted about steps needed to receive my money 
  
  Sincerely,
  
  **** A ******

  Business Response

  Date: 04/17/2025

  Thank you for giving us the opportunity to follow up on **** A Chavezs BBB complaint.
   
  We notified Kyle 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 Kyle was seeking, but we are confident the investigation of the claim was properly conducted and resolved.
   
  We thank you for the opportunity to respond to **** A Chavezs complaint. If **** A Chavez continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/18/2025

   
  Complaint: 23127845
  
  I am rejecting this response because: a refund wasnt received neither were any information provided regarding steps required to receive my refund from then after showing that it was unauthorized 
  
  Sincerely,
  
  **** A ******

  Business Response

  Date: 04/24/2025

  Thank you for giving us the opportunity to follow up on **** A Chavezs BBB complaint.
   
  We appreciate the circumstances surrounding ***** situation. However, we have pursued every available action to resolve the dispute in ***** favor. At this time, we are unable to provide any refund.
   
  We thank you for the opportunity to respond to **** A Chavezs complaint. If **** A Chavez continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/25/2025

   
  Complaint: 23127845
  
  I am rejecting this response because: they didnt let me explain my situation and they did not state the fact that my device got stolen and I had to reach out to my network carrier to get a new phone and they didnt even provide me with a document requested just a list of transactions I filed for, I also provided proof of a device passkey in a location very far from me being added to my account after getting a new device from my network carrier and signing into my gmail account 
  
  Sincerely,
  
  **** A ******

• Initial Complaint

  Date:04/08/2025

  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 am writing to formally dispute unauthorized transactions that have occurred on my Chime Financial *** account. The details of the transactions are as follows:Transaction Date: 1/17/25 Transaction Amount: $166.05 Transaction ID: *** I did not authorize these transactions, and they were made without my knowledge or consent. I request that you investigate these transactions and take immediate action to reverse the charges and refund the amounts to my account.

  Business Response

  Date: 04/10/2025

  Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ******* ******.
  
  On March 25, 2025, ******* called us regarding a transaction in the amount of $166.05 which ******* stated was unauthorized. We filed a dispute and began an investigation into the matter. 
  
  On April 6, 2025, we notified ******* via email that we completed our investigation and based on the information available, we determined that no error occurred.
  
  On April 7, 2025, we escalated the case, and an additional review was opened.
  
  As part of our dispute investigation, we filed a chargeback for the disputed transaction. 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. 
  
  Please be advised the additional review is currently under investigation. ******* will be updated no later than April 21, 2025. 
  
  On April 7, 2025, ******* requested a copy of the documents we relied on in making our determination. Upon receipt of ********* complaint, we have escalated the requested documentation to be sent to ******* 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 *************** at ************.

  Customer Answer

  Date: 04/11/2025

   
  Complaint: 23174538
  
  I am rejecting this response because: If chime really did a thorough investigation as they claim, they would see, I have no contract with ***, I have no account with *** and I do no business with ***. However, the fact they chime denied my dispute the first time in bad faith is evidence they did not do a thorough investigation and I have been without the $ stolen from me for months now. 
  
  Sincerely,
  
  ******* ******

  Business Response

  Date: 04/14/2025

  Thank you for giving us the opportunity to follow up on ******* Mortons BBB complaint.
   
  On April 10, 2025, a copy of the documents Spencer requested was forwarded to the email on file.
   
  The additional review is currently in process, and we are working to resolve Spencer's case as quickly as possible.

  As a part of our dispute investigation, a chargeback may be requested by Chime. A chargeback is a request to the merchant from Chime to have the funds from a disputed transaction returned to the member. Merchants can reject chargebacks and can provide evidence to show that a transaction is legitimate.

  Please note, the timeframe for the review process is 45 days and Spencer will be notified via email once a final outcome has been determined.
   
  We thank you for the opportunity to respond to ******* Mortons complaint. If ******* Morton continues to have concerns regarding their complaint, please have them contact Chime *************** at ************. 

  Customer Answer

  Date: 04/14/2025

   
  Complaint: 23174538
  
  I am rejecting this response because: I filed this complaint how long ago? The fact that Chime hasn't even given me a provisional credit is absolutely disgusting! I demand my stolen funds be returned asap! 
  
  Sincerely,
  
  ******* ******

  Business Response

  Date: 04/17/2025

  Thank you for giving us the opportunity to follow up on ******* ******** BBB complaint.
  
  Some dispute claims are not eligible for temporary credit due to the transaction type or the time the dispute was filed. When Chime investigates a dispute and issues temporary credit, we must follow the guidelines within ***************** transaction errors, Regulation E establishes the dispute process steps and the framework for issuing temporary credit.
  
  We are not able to provide a temporary credit because the dispute ******* filed is not a transaction processing error and is a late notification dispute that was filed 60+ days after the transactions statement date. For more information about temporary credits, please see our website: *****************************************************************************************************;
  
  We understand the importance of dispute resolution. The investigation is currently in process, and we are working to resolve ********* case as quickly as possible. 
  
  We will notify ******* the results of the investigation no later than July 6, 2025. We appreciate ********* ******** 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 ************.

  Customer Answer

  Date: 04/17/2025

   
  Complaint: 23174538
  
  I am rejecting this response because: I filed a complaint against *** Enterprises, *** ******************** regarding the unlawful theft of $****** from my chime account 4/17/25. ****** from *** Enterprises, *** ******************** got back to me immediately, to let me know they can not locate an account in my name. ****** advised me that this appears to be a fraudulent transaction. Yet I filed a complaint against Chime Financial, *** 3/29/25 and they're still conducting an investigation? The stolen ****** still has yet to be returned back to my account, which is causing me unjustified harm. Chime Financial, Inc.is acting in bad faith still by refusing to return my stolen $******! I have attached my communications with ******. Maybe Chime Financial, Inc. instead of acting in bad faith, penalizing me, fighting to keep my unlawfully stolen $******, Chime Financial, Inc. should actually do their job and reach out to *** and help one of their customers (me) get their stolen money back!
  
  Sincerely,
  
  ******* ******