ComplaintsforChime Financial, Inc.

Financial Technology

Additional Complaint Information

Customer Complaint:

BBB's profile for Chime was created in November 2014. A review of complaints was done in June 2024. For information concerning account security and account log in issues, consumers should review the following links.

https://www.chime.com/trust-safety/

https://help.chime.com/hc/en-us/articles/4406299339671-Why-can-t-I-log-in-to-my-account

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Initial Complaint
07/15/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Good morning I reached out to get my situation looked at. I have proof that this account was closed out and my money was used on my account with a results of my account being closed out I was told that I would get the remain of my money on balance with a check sent to my old addresses years ago. I have did research and see that I can contact an attorney in general or the BBB and the **** for this matter all I would like it my money that was use unfair please. If not I have no choice to reach out to get this matter resolved I have told them this multiple times and know I am exhausted behind their decision because they refuse to close my account and send me my funds that’s from the dispute. Also a closure check and a disclosure.
Business response
07/23/2024
Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by Jeffrey H********.

Claim ID: ******
On June 21, 2019, Jeffrey contacted us via phone regarding thirty-seven (37) transactions totaling $387.51 which Jeffrey stated were unauthorized. We then opened an investigation into the matter and filed a dispute.

On July 2, 2019, we notified Jeffrey via email that we completed our investigation and based on the information available, we determined that no error occurred.

Account Closure:
On July 4, 2019, after a complete review of Jeffrey's account, we determined that the account was not in compliance with Chime’s internal policies and the account agreement provided at account opening, therefore we exercised our right to close the account.

At the time of closure, there was no remaining balance. Additionally, the account remains closed and is not eligible to be re-enabled at this time.

We thank you for the opportunity to respond to Jeffrey H********'s complaint. If Jeffrey H******** continues to have concerns regarding their complaint, please have them contact Chime Member Services at ************.
Customer response
07/23/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is notsatisfactory to me. The depute was closed and my before that happened my account was hacked I also had proof and showed them this multiple time but they denied me and cut my account off for no reason

Sincerely,

Jeffrey H********
Initial Complaint
07/09/2024
Complaint Type:
Product Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Received a welcome email that a Chime account was opened. I then received a debit card in the mail. I have never heard of chime before so all the research online suggests a bank and this seems to be happening to a lot of people. Accounts being opened in their name and then you have to call them and give them your information to try to close the account. Im not sure what to do because I dont want to give/verify my information but want the account closed.
Business response
07/18/2024
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, ***************** N.A. or ************ N.A.; ******s 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.

On July 8, 2024, 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.

We have escalated the account referenced in ********'s complaint for closure request. We appreciate their 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 ****** Services at ************.
Customer response
07/18/2024
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
07/08/2024
Complaint Type:
Product Issues
Status:
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.
Money is owed from a direct deposit incentive program
Business response
07/17/2024
Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *******************.

Please note that in order to qualify for a referral bonus, the referee must receive a qualifying direct deposit of at least $200 within 45 days of enrollment. When this step is not completed, unfortunately, Chime is not able to provide the referral bonus.

We have conducted a reasonable investigation of ***** account and were unable to identify any account discrepancies. If *** experiences any fraudulent activity on their account, or if they have any further concerns, we advise that *** call us at ************ and specifically identify any concerns.

We thank you for the opportunity to respond to ************** complaint. If ******************* continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************.
Customer response
07/18/2024

Complaint: 21956110

I am rejecting this response because:

Sincerely,

*******************
Customer response
07/19/2024
Contacting chime has lead me to this point that is the reason why I contacted you guys
Initial Complaint
07/08/2024
Complaint Type:
Customer Service Issues
Status:
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.
I was denied my dispute for $83.00 on 07/03/2024 of cash app transactions I didn't do under a Dallas ***** cash app I really needed that money back and for them to deny my dispute is very rude of them and i want my money back now and i will keep going back and forth with Chime if need be
Business response
07/16/2024
Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***************************.

On June 28, 2024, **** contacted us via phone regarding eight (8) transactions totaling $85.71 which **** stated were unauthorized. We then opened an investigation into the matter and filed a dispute.

On July 3, 2024, we notified **** via email that we completed our investigation and based on the information available, we determined that no error occurred.

On July 10, 2024, **** inquired about reopening the case, and a rebuttal claim was opened.

The rebuttal investigation is currently in process, and we are working to resolve ****'s case as quickly as possible. Please note, the timeframe for the rebuttal process is 45 days and **** will be notified via email once a final outcome has been determined.

We thank you for the opportunity to respond to ***************************** complaint. If *************************** continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************.
Customer response
07/16/2024

Complaint: 21941415

I am rejecting this response because:
Yes then after that there were once again another charge from the merchant and then another merchant as well which I made a dispute and y'all gave me temporary credit for that! So y'all need to go head and ***** my rebuttal now thanks.n
Sincerely,

***************************
Business response
07/22/2024
Thank you for giving us the opportunity to follow up on *************************** BBB complaint.

On July 21, 2024, we notified **** via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied.

We thank you for the opportunity to respond to *************************** complaint. If ***************************' continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************.
Customer response
07/22/2024

Complaint: 21941415

I am rejecting this response because:

Sincerely,

***************************
Y'all denied my rebettal yesterday this is ridiculous I need it fixed and my money back asap that cash app is not mine
Initial Complaint
07/07/2024
Complaint Type:
Sales and Advertising Issues
Status:
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.
I had ask to close account this low life has been refusing I want my personal information removed from bank immediately or lawsuit and complaint
Business response
07/16/2024
Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by Farrah G****.

On July 2, 2024, Farrah notified us via live chat that they would like their Chime Checking Account closed. On July 10, 2024, the account was closed per Farrah's request.

As a technology platform that facilitates a banking experience. Chime is required to securely retain your personal information to comply with financial crimes regulations and anti-money laundering rules. Therefore, we must retain your personal information in order to provide services safe from fraud, to you and other members.

To learn more about the kinds of personal information that Chime collect and the purposes for which we share and use the information, we highly suggest you to visit our Privacy Policy. Our privacy policy contains information about requests you can make regarding Chime's use of your personal information.

We thank you for the opportunity to respond to Farrah G****’s complaint. If Farrah G**** continues to have concerns regarding their complaint, please have them contact Chime Member Services at ************.
Initial Complaint
07/07/2024
Complaint Type:
Service or Repair Issues
Status:
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.
There was 2 charges on my ***** account from ******. I disputed them with chime because my card was used. It was declined. I appealed it and it was declined again. I have proof from ****** they refunded the money yet chime refuses to refund my money.
Business response
07/15/2024
Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by Brittany K*******.

On May 26, 2024, Brittany contacted us via Chime app regarding two (2) transactions totaling $1,136.60 which Brittany stated were unauthorized. We then opened an investigation into the matter and filed a dispute.

As part of our dispute investigation, we filed chargebacks for eligible transactions. 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 the same date, we applied a provisional credit to Brittany’s account for the full amount of the dispute. This credit was provided to allow Brittany with full use of the funds while we completed our investigation.

Our records indicate we received compelling evidence from the merchant regarding Brittany's dispute. On June 16, 2024, we concluded our investigation and determined no error occurred. Brittany was notified of this on the same day.

On June 24, 2024, the provisional credit issued on May 26, 2024 was reversed. As a result, Brittany’s account was debited in the amount of $1,136.60.

On the same date, Brittany inquired about reopening the case, and a rebuttal claim was opened.

On July 3, 2024, we notified Brittany 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 thank you for the opportunity to respond to Brittany K*******’s complaint. If Brittany K******* continues to have concerns regarding their complaint, please have them contact Chime Member Services at ************.
Initial Complaint
07/07/2024
Complaint Type:
Service or Repair Issues
Status:
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.
so as I was reviewing my transaction history, I noticed a charge that clearly stated in the details of the charge that it was for monthly service desk for chime. the amount of these services they charged me for totals out to $100. so confused, as to what and why services would even cost that amount, I asked for an explanation. I spoke with two different customer service agents, and a supervisor, waisted over 30 minutes of my time trying g to get am explanation of why I'm being charged 100. it shows in the transaction that the 100 charge is for monthly services, and they are telling me that it is not what the transaction says but I'm reading it word for word directly from my transaction history.
Business response
07/15/2024
Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *********************.

Our records indicate that a payment of $100.00 was posted to Taylors Credit Builder account on July 3, 2024. As of July 8, 2024, ****** has $0.15 available to spend on their Credit Builder Card.

On July 6, 2024, ****** reached out to Chime via phone inquiring about the $100.00 Card Payment from Secured Account posted on their Credit Builder account transactions page. We then informed the member how Credit Builder Secured Account works.

The Credit Builder program consists of two elements: the Secured Account and the Credit Builder Card. When funds are added from the Checking Account to the Secured account, this money is held as the total limit available in the Credit Builder.

When ****** makes transactions with their Credit Builder Card, the money spent is not the one in the Secured account, but money credited by Chime. When the end of the billing cycle is reached, and if the automatic payments are enabled, the funds are taken from the Secured account to cover the total amount spent on the period. If you disable it, ****** can pay their monthly charges off using ACH or by manually moving the money from the secured account to their card. Keep in mind that the safer Credit Building feature was designed to automatically pay Taylors bill before the due date. If the balance due is not paid, we may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on Taylors account may be reflected on their credit report.

The secured Chime Credit ************ Credit Card is our no annual fee, no interest, secured credit card that helps consumers build their credit. Consumers who enroll in the Chime Credit Builder Credit Card can help build their payment history, increase the length of their credit history over time, and more.

We thank you for the opportunity to respond to ****** Hices complaint. If ********************* continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************.
Initial Complaint
07/06/2024
Complaint Type:
Product Issues
Status:
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.
Chime Finacial never refunded my account in the amount of 4,800.00. I placed multiple phone calls to Chime Financial, with no resolution. Placed police report in Lee County Florida. My case information is Fraud. Complaint number *********. Deputy C. Stewart ID # *****. I placed over 40 plus emails to sheriffs office. I really need your help in helping with this matter.
Business response
07/15/2024
Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by Mary F****** R*******-b****.

On May 3, 2023, Mary contacted us via phone regarding (Three) 3 Pay Anyone transfers totaling $4,800.00 which Mary stated were unauthorized. We then opened an investigation into the matter and filed a dispute.

On May 4, 2023, we notified Mary via email that we completed our investigation and based on the information available, we determined that no error occurred.

On June 12, 2023, Mary inquired about reopening the case, and a rebuttal claim was opened.

On June 24, 2023, we notified Mary 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 Mary's complaint to the appropriate department for review. We appreciate their patience at this time.

We thank you for the opportunity to respond to Mary F****** R*******-b****’s complaint. If Mary F****** R*******-b**** continues to have concerns regarding their complaint, please have them contact Chime Member Services at ************.
Initial Complaint
07/06/2024
Complaint Type:
Product Issues
Status:
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.
Money was taken out of my account adding to over $700.There were several unapproved transactions on my account, adding up to over $700 and the same day I reported them, they told me I would have to wait till they are no longer pending to see if they fall off or the money is taken. After they were no longer pending I called again and I literally called them every day about my money. After they were no longer pending, they told me they are going to Investige and that could take till October 4 2024 which is unacceptable for all my bill money to be gone and I cannot pay my bills. I need them to get this resolved and get me m money back.
Business response
07/15/2024
Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by *******************.

On July 3, 2024, **** contacted us via phone regarding unauthorized transactions that were posted to their account. The transactions are still pending and Chime is unable to file a dispute until the transactions are settled.

On July 5, 2024, Mela contacted us via phone regarding 84 transactions totaling $708.70 which **** stated were unauthorized. We then opened an investigation into the matter and filed a dispute.

As part of our dispute investigation, we filed chargebacks for eligible transactions. 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 July 11, 2024, we applied a provisional credit to Melas account for the full amount of the dispute. This credit was provided to allow Mela with full use of the funds while we completed our investigation.

We understand the importance of dispute resolution. The investigation is currently in process, and we are working to resolve ***** case as quickly as possible. Based on the nature of the claim, we will complete the investigation no later than October 3, 2024. Mela will be notified via email as soon as the investigation is completed.

We thank you for the opportunity to respond to *********** complaint. If ******************* continues to have concerns regarding their complaint, please have them contact Chime ****** Services at ************.
Initial Complaint
07/05/2024
Complaint Type:
Product Issues
Status:
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.
I cashed a mobile check with chime . They have me wait 5 to 6 days to clear a ****** payroll check . Then lied to me about the times the check was gonna be deposited. I believe they been using my funds because as I'm writing this I still haven't recieved my money from my check .
Business response
07/14/2024
Chime is in receipt of the complaint filed through the Better Business Bureau (BBB) by ***********************************.

On June 28, 2024, *********** submitted a check to be reviewed by our Mobile Check Deposit system.

On July 1, 2024, *********** contacted us regarding the status of their mobile check deposit. We informed *********** that the check is still under review and can take up to five (5) business days for the check to post to the account. This helps us make sure that the check clears and will not bounce.

On July 5, 2024, our records confirmed the remaining check balance was posted to the account.

Chime records indicate at the time of the account opening, *********** was presented with a deposit account agreement. As stated in this account agreement, Limits may be imposed on the dollar amount or number of deposits made through Mobile Deposit, and Chime or its bank partners may change such limits at any time at our discretion.

The most up to date deposit account agreement can be found here:
*****************************************************************************************************

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

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