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Business Profile

Banking Services

The Bancorp Bank

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Banking Services.

Important information

  • Customer Complaint:
    Due to the volume of complaints filed against this business, BBB only publishes the details for 15% of the total complaints filed.

Complaints

Customer Complaints Summary

  • 902 total complaints in the last 3 years.
  • 185 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.

Sort by

Complaint status

Complaint type

  • Initial Complaint

    Date:02/10/2025

    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.
    I have been using the momentum Prepaid card. They inactivated the card. No explanation. They won't send me a new one unless I email my driver license, utility bill and social security card. I have 4000 dollars in that account. I think they robbed me.

    Business Response

    Date: 02/26/2025

    February 26, 2025


    RE: BBB ID 22813091

    Dear Ms. *****,

    This letter is sent in response to a complaint The Bancorp Bank, N.A. (“Bank”) received from the Better Business Bureau regarding your Momentum Prepaid Mastercard (“Card”). The Bank issues the Card on behalf of InComm Financial Services, Inc. (“InComm”), the program manager.

    Our records indicate that your most recent Card was issued and activated on December 10, 2024.

    On January 14, 2025, a hold was placed on your Card due to potential high-risk activity.

    InComm requested documentation, which you provided on January 15. As a result, your Card was reactivated on January 16. An email was sent informing you the Card had been reactivated and a review of the transaction records indicates you have since accessed the funds on your Card.

    Please note, there are currently no blocks or holds on your Card, and it remains active.

    If you have questions about this letter, please send your message to the Bank using the email address shown below.

    Sincerely,
    Complaints Research Team
    The Bancorp Bank, N.A.
    [email protected]



  • Initial Complaint

    Date:12/31/2024

    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.
    MyVanilla reloadable Mastercard issued by Bancorp Bank, continues to allow me to add money onto card (balance around $200) without notifying me that they no longer exist. Even when I called the customer service phone number they responded as if still in business, only to find out that ALL my subscription payments were declined. This is unacceptable!

    Business Response

    Date: 01/15/2025

    January 15, 2024


    RE: BBB ID 22749660

    Dear Ms. ****,

    This letter is sent in response to a complaint The Bancorp Bank, N.A. (“Bank”) received from the Better Business Bureau regarding your MyVanilla Prepaid Mastercard (“Card”). The Bank issues the Card on behalf of InComm Financial Services, Inc. (“InComm”), the program manager.

    Our review of the records indicates on December 9, 2024, InComm placed the Card on hold due to high-risk activity. 

    On January 13, a refund of $203.24 was initiated and will be sent via FedEx to the Kingston Drive address listed above.

    If you have questions about this letter, please send your message to the Bank using the email address shown below.

    Sincerely,
    Complaints Research Team
    The Bancorp Bank, N.A.
    [email protected]


    Customer Answer

    Date: 01/16/2025

    Better Business Bureau:

    I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me. 

    Regards,

    Complaint ID: 22749660

     

     

     

  • Initial Complaint

    Date:11/09/2024

    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 November 4, I moved $5000 from an account into my Chime checking account ending in 6636. I used my digital card via Apple Pay to purchase some random items. I also moved $1500 from my Chime account into my Cash App account. On November 6, I received an email from Chime saying that my checking account had been closed and to call them. I did that and they said that I had violated, some policies and terms of Bancorp (the parent company of Chime) and that my funds would not be returned. I then talked to a different customer service representative at Chime and was told that this issue would be escalated to the specialty team and I would receive an email in 24 to 48 hours. I never received an email and so I called Chime again and they told me that the person who told me I would get an email was wrong and that, I would not be getting my money back. I have read all of the terms and policies, and although chime is allowed to close my account at any time for reason or no reason, chime is not allowed to keep my funds for themselves. If they suspected me of something illegal, they would Have to turn my funds over to the government. I have not been accused of anything, and Chime is required by law to return my funds within 14 days by law.

    Business Response

    Date: 11/20/2024

    November 20, 2024



    RE: BBB ID 22534439

    Dear Mr. *******,

    This letter is in response to the complaint the Bancorp Bank, N.A. (“Bank”) received from the Better Business Bureau regarding your Chime demand deposit account (“Account”).  The Bank provides banking services to Chime Financial, Inc. (“Chime”), the program manager. 

    Our review of the records indicates on November 6, 2024, the Bank exercised their right as described in the Deposit Account Agreement to close the Account due to activity deemed high-risk.

    Please note, on November 13, a Letter of Indemnity was received from Morgan Stanley Private Bank and the remaining funds were returned according to their instructions. Please contact them for further information on the funds.

    If you have questions about this letter, please send your message to the Bank using the email address shown below.

    Sincerely,
    Consumer Research Team
    The Bancorp Bank, N.A.
    [email protected]

    Customer Answer

    Date: 11/21/2024

    Better Business Bureau: I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.I contacted ETrade/Morgan Stanley yesterday on 11/20/2024 and asked if they requested the funds or received the funds back. The answer was “NO.” I have gotten the runaround from Chime so I would appreciate if you could provide proof that the funds were requested back and sent.Furthermore, Chime has consistently stated that the funds were not Eligible for a refund. **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered. Regards, Complaint ID: 22534439    

    Business Response

    Date: 11/26/2024

    November 26, 2024




    RE: BBB ID 22534439

    Dear Mr. *******,

    Chime and the Bank have confirmed the remaining funds were returned to Morgan Stanley Private Bank as indicated on your Chime November Checking Account Statement on 11/13/2024.  

    Enclosed is the statement for your reference.  Please contact them for information regarding your returned funds.

    Sincerely,
    Consumer Research Team
    The Bancorp Bank, N.A.
    [email protected]

     

  • Initial Complaint

    Date:11/05/2024

    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.
    I have a Venmo Mastercard through Bancorp Bank. On Sept 27 I made a payment to Guided Awakenings for a somatic energy healing service because the owner told me she was 45 minutes from Pittsburgh but actually was 90 minutes away. I cancelled my appointment two days prior to the appointment directly with the service provider. When I asked her to refund my $75, which was paid in advance, because nowhere was it indicated that my payment was nonrefundable, she told me she didn’t know how to refund it but would look into it. When I inquired again several days after the date she was supposed to look into it, she told me she was out of town and could not do it. At that point I filed a dispute through the Venmo app. That was on October 20, 2024. On October 23 I provided supporting documentation of my conversation, however I could only upload one document in the app. My dispute is still under review for some reason even though it is a very clear situation. I paid for a service. I did not receive said service. There was no attempt by the service provider to refund me, nor did they list anywhere that payments are nonrefundable. It is ridiculous that it is taking so long. Today is November 4, I would like to be refunded for my purchase.

    Business Response

    Date: 11/26/2024

    November 26, 2024



    RE:  BBB ID 22515031

    Dear Ms. ******,

    This letter is in response to the complaint The Bancorp Bank, N.A. (“Bank”) received from the Better Business Bureau (“BBB”) regarding the Venmo Mastercard (“Card”).  The Bank issued the Card on behalf of PayPal, Inc. (“PayPal”), the program manager.

    Our review of the Account records indicates on October 20, 2024, you contacted PayPal to dispute a transaction for $75.00 as Merchandise Not Received.  A claim was opened, and the investigation began.

    On October 28 you requested to change the dispute to Credit Not Processed.  As a result, on November 7, PayPal issued a provisional credit while the investigation is ongoing.  An email message was sent advising you of the update and that if the claim was denied, the provisional credit would be reversed.  Once the claim is finalized a final notification letter will be sent to you with the results.

    We trust you are satisfied with the updates and if you have questions about this letter, please send your message to the Bank using the email address shown below.

    Sincerely,
    Complaints Research Team
    The Bancorp Bank, N.A.
    [email protected]


    cc: Lexe Taylor / Better Business Bureau

    Customer Answer

    Date: 11/27/2024

    Better Business Bureau:

    I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me. 

    Regards,

    Complaint ID: 22515031

     

     

     

  • Initial Complaint

    Date:10/24/2024

    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.
    I purchased a ticket from Southwest Airlines and somebody fraudulently use my credit that was under my fiancé account that I paid for my bank is telling me they can’t give me a credit because it was over 60 days, but I still never received the flight. Took a flight or anything Southwest is not trying to give me my money back. I don’t know the person have no clue who this person was that used my money to fly out on a flight through Southwest airlines and chime is my bank online banking that I paid for with and they’re telling me ain’t nothing they could do about it.

    Business Response

    Date: 11/20/2024

    November 20, 2024



    RE: BBB ID 22468868

    Dear Ms. *******,

    This letter is in response to the complaint the Bancorp Bank, N.A. (Bank) received from the Better Business Bureau (“BBB”) regarding your Chime demand deposit account (Account).  The Bank provides banking services to Chime Financial, Inc.

    Our review of the Account records indicates on September 9, 2024, you contacted Chime to dispute three transactions totaling $451.93.  A claim was opened, and the investigation began.

    On September 18, the investigation was completed and based on the information available, it was determined no error had occurred.  An email messages was sent informing you of the outcome.

    You have indicated that a credit voucher was issued for $417.97 and has been used by someone else. Since the remaining disputed transactions are related to a voucher issued by Southwest Airlines, Chime is unable to assist with this situation any further and you will need to contact Southwest Airlines directly. 

    We understand this was not the resolution you were seeking regarding your claim but believe the investigation of your claim was properly conducted and resolved.  If you have questions about this letter, please send your message to the Bank using the email address shown below.

    Sincerely,
    Consumer Research Team
    The Bancorp Bank, N.A.
    [email protected]



  • Initial Complaint

    Date:10/01/2024

    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 filed a dispute with Chime-The Bancorp Bank for some fraudulent Uber Charges. I first contacted Uber who then told me the charges were done in a different state of New York. I explained there was no way that I could've done any charges because I live in a different state in Minnesota and do not use any ride share apps. I was told by Uber that I needed to contact my bank which I did. A dispute was filed and then denied by Chime/The Bancorp Bank. I spoke to a supervisor who told me that they would review the claim again. And I have not heard anything back since then.

    Business Response

    Date: 10/17/2024

    October 17, 2024



    RE: BBB ID 22365246

    Dear Ms. *******,

    This letter is in response to the complaint the Bancorp Bank, N.A. (“Bank”) received from the Better Business Bureau regarding your Chime demand deposit account (“Account”).  The Bank provides banking services to Chime Financial, Inc. (“Chime”), the program manager. 

    Our review of the Account records indicates on September 14, 2024, you contacted Chime to dispute four (4) transactions totaling $342.01 as Unauthorized.  A claim was opened, and the investigation began.

    On September 16, the investigation was completed and based on the information available, it was determined no error had occurred.  An email message was sent informing you of the outcome.

    On October 1, a review was opened per your request. On October 10, the review concluded and based on the information available it was determined that no error occurred.  An email message was sent informing you of the outcome.

    We understand this was not the resolution you were seeking regarding your claims but believe the investigation of your claims were properly conducted and resolved.  If you have questions about this letter, please send your message to the Bank using the email address shown below.

    Sincerely,
    Consumer Research Team
    The Bancorp Bank, N.A.
    [email protected]

    Customer Answer

    Date: 10/17/2024

    Better Business Bureau:

    I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.

    **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.




    Regards,

    Complaint ID: 22365246

     

     

     

  • Initial Complaint

    Date:09/17/2024

    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.
    The bank is also known as Chime. I tried to deposit a legitimate check and they rejected it. The mobile banking app provides those services and didn't give me a reason why they wouldn't deposit it to my account except that they couldn't verify my information. I tried to inquire about the reason and they refused to give a reason. Also I have been having issues with them depositing my survivors benefits and they say that they don't withhold money from their customers cause they know how important it is for their customers to have access to their money. It took me to inquire about my deposit to get them to deposit my money. They said they don't know when the deposit is made when I was told by social security administration that they transfer funds a week before the deposit date and that after they transfer the money it's up to the bank. Well it took me to inquire about the deposit through a phone call to see the deposit 5 min later. They lie to their customers to protect their not doing their job. And they always have a reason to why they don't do their job and fulfill their customers needs and what their job entails for them to do.

    Business Response

    Date: 10/03/2024

    October 3, 2024


    RE: BBB ID 22300449

    Dear Ms. ******,

    This letter is in response to the complaint the Bancorp Bank, N.A. (“Bank”) received from the Better Business Bureau regarding your Chime demand deposit account (“Account”).  The Bank provides banking services to Chime Financial, Inc. (“Chime”), the program manager. 

    Our review of the records indicates the Bank received deposits from the Social Security Administration on August 28 and September 30, 2024, each in the amount of $1,284.00.  Both of the deposits were posted to the Account  the same day they were received.  If you believe the funds should have posted earlier, we encourage you to contact the originator directly.

    In addition, the Mobile Check deposit attempts for the $25.00 First Florida Credit Union were rejected due to an invalid account number on the check. We encourage you to contact the check originator to recover the funds.  

    If you have questions about this letter, please send your message to the Bank using the email address shown below.

    Sincerely,
    Consumer Research Team
    The Bancorp Bank, N.A.
    [email protected]

  • Initial Complaint

    Date:08/29/2024

    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.
    Multiple times this bank has allowed access to my funds from other companies who had access only to old cards and numbers and no verification. I have called when I was scammed and they have only blocked the merchant but allowed them the money in the transaction because they say they can't block or stop pending transactions even if they were just recently within minutes posted. They do not keep records of conversations on the computer and state they are a bank but when discussing on the phone they deny any responsibility for keeping money secure stating they are not a bank which is false advertising. I have had them for years and only in recent 2 years have I had this issue. They have just started to not keep track of funds and accounts.

    Business Response

    Date: 09/10/2024

    September 10, 2024


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


    RE: BBB ID 22213422

    Dear Ms. ******,

    This letter is in response to the complaint The Bancorp Bank, N.A. (“Bank”) received from the Better Business Bureau (“BBB”).

    We have reviewed the correspondence sent to the BBB, but unfortunately have been unable to locate your card/account.  In order for us to investigate this matter we will need you to provide us with the full card/account number, the name the account is registered under and the address on file. 

    We ask that you please send the information to the Bank using the email address shown below.

    Sincerely,
    Consumer Research Team
    The Bancorp Bank, N.A. 
    [email protected]




  • Initial Complaint

    Date:08/25/2024

    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 am writing to address unauthorized charges on my Chime account totaling $397.96 by Frontier Airlines. I did not book any flights with them and have been unable to resolve this directly with the airline. My dispute with Chime was also denied, worsening the situation. I request the immediate removal of these charges, a credit for any related finance charges, and a corrected statement. Despite contacting Chime's disputes department, I have not received satisfactory assistance. Chime’s failure to send required documents on June 8, 2024, and to address the dispute on June 12, 2024, is deeply concerning. I demand proof of any claims Chime is making. If this matter is not resolved promptly, I will consider legal action, including seeking punitive damages. I urge Chime to reconsider their stance, rescind all charges, credit back any associated finance charges, and issue a corrected statement. I have lodged a complaint with the Consumer Financial Protection Bureau (CFPB) and the offices of the attorneys general. I will escalate this issue with the FDIC, OCC, and, if necessary, take legal action. Chime must provide supporting documentation for their investigation and explain the denial of my claim. The lack of written notification regarding the denial, forcing me to seek updates through the app, is unacceptable. Chime's lack of communication, including the failure to send documents and address the dispute, raises concerns about the integrity of their practices. The most recent email I received was on June 20, 2024, providing guidance on locating an account statement. I expect swift action to reverse these charges and correct my statement. I am demanding a full credit to my account immediately.

    Business Response

    Date: 09/19/2024

    September 19, 2024



    RE: BBB ID 22192234

    Dear Mr. *******,

    This letter is in response to the complaint the Bancorp Bank, N.A. (Bank) received from the Better Business Bureau (“BBB”) regarding your Chime demand deposit account (Account).  The Bank provides banking services to Chime Financial, Inc.

    Our review of the Account records indicates on June 5, 2024, you contacted Chime to dispute two (2) unauthorized transactions, totaling $397.96.  A claim was opened, and the investigation began.

    On June 6, 2024, the investigation concluded and based on the available information it was determined no error occurred.  An email was sent advising you of the outcome and that no credit would be posted. 

    Upon review of the complaint, Chime has determined that further investigation is warranted and reopened the case.  Once the claim is finalized a final notification letter will be sent to you with the results.

    We trust you are satisfied with the update of your claim and if you have questions about this letter, please send your message to the Bank using the email address shown below.

    Sincerely,
    Consumer Research Team
    The Bancorp Bank, N.A.
    [email protected]


    Business Response

    Date: 09/19/2024

    September 19, 2024



    RE: BBB ID 22192234

    Dear Mr. *******,

    This letter is in response to the complaint the Bancorp Bank, N.A. (Bank) received from the Better Business Bureau (“BBB”) regarding your Chime demand deposit account (Account).  The Bank provides banking services to Chime Financial, Inc.

    Our review of the Account records indicates on June 5, 2024, you contacted Chime to dispute two (2) unauthorized transactions, totaling $397.96.  A claim was opened, and the investigation began.

    On June 6, 2024, the investigation concluded and based on the available information it was determined no error occurred.  An email was sent advising you of the outcome and that no credit would be posted. 

    Upon review of the complaint, Chime has determined that further investigation is warranted and reopened the case.  Once the claim is finalized a final notification letter will be sent to you with the results.

    We trust you are satisfied with the update of your claim and if you have questions about this letter, please send your message to the Bank using the email address shown below.

    Sincerely,
    Consumer Research Team
    The Bancorp Bank, N.A.
    [email protected]


    Customer Answer

    Date: 09/23/2024

    Better Business Bureau: I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.The decision to dismiss my concerns seems to be a significant oversight, resulting in a detrimental effect on our relationship. Many customers depend on their banking services with an expectation of trust and security, prompting me to respectfully request that The Bank Corp reevaluates its position. Chime has clarified that they are not the bank and advised me to reach out to The Bank Corp directly. I am requesting the reversal of all charges and the reimbursement of any related finance charges to my account, along with a corrected statement as previously discussed. My aim is to seek assistance and find a resolution. It is crucial for The Bank Corp to provide any documentation related to their investigation and the reasons for denying my claim. Additionally, the absence of written communication regarding the claim denial, which forced me to seek updates through the app, is unacceptable. Therefore, I urge The Bank Corp to address the fraudulent charges on my account. Furthermore, Chime did not send me any emails with the necessary documents on June 8, 2024, nor did they address the dispute on June 12, 2024, raising concerns about their communication practices and professionalism. The last email I received from Chime was on June 20, 2024, which only offered guidance on finding an account statement. Can The Bank Corp provide evidence to support their claims? I would appreciate copies of the relevant emails. Regards, Complaint ID: 22192234    

    Customer Answer

    Date: 09/23/2024

    Better Business Bureau: I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.The decision to dismiss my concerns seems to be a significant oversight, resulting in a detrimental effect on our relationship. Many customers depend on their banking services with an expectation of trust and security, prompting me to respectfully request that The Bank Corp reevaluates its position. Chime has clarified that they are not the bank and advised me to reach out to The Bank Corp directly. I am requesting the reversal of all charges and the reimbursement of any related finance charges to my account, along with a corrected statement as previously discussed. My aim is to seek assistance and find a resolution. It is crucial for The Bank Corp to provide any documentation related to their investigation and the reasons for denying my claim. Additionally, the absence of written communication regarding the claim denial, which forced me to seek updates through the app, is unacceptable. Therefore, I urge The Bank Corp to address the fraudulent charges on my account. Furthermore, Chime did not send me any emails with the necessary documents on June 8, 2024, nor did they address the dispute on June 12, 2024, raising concerns about their communication practices and professionalism. The last email I received from Chime was on June 20, 2024, which only offered guidance on finding an account statement. Can The Bank Corp provide evidence to support their claims? I would appreciate copies of the relevant emails. Regards, Complaint ID: 22192234    

    Business Response

    Date: 09/27/2024

    September 27, 2024



    RE: BBB ID 22192234

    Dear Mr. *******,

    When responding to customer complaints the Bank conducts a review of the entire dispute case. We are prepared to come to a different conclusion should the evidence warrant such an outcome.  After examining the findings of the investigation, and our review of all the materials considered during the course of the investigation, we concluded the decision to deny your claim was valid. 

    Sincerely,
    Consumer Research Team
    The Bancorp Bank, N.A.
    [email protected]



    Business Response

    Date: 09/27/2024

    September 27, 2024



    RE: BBB ID 22192234

    Dear Mr. *******,

    When responding to customer complaints the Bank conducts a review of the entire dispute case. We are prepared to come to a different conclusion should the evidence warrant such an outcome.  After examining the findings of the investigation, and our review of all the materials considered during the course of the investigation, we concluded the decision to deny your claim was valid. 

    Sincerely,
    Consumer Research Team
    The Bancorp Bank, N.A.
    [email protected]



  • Initial Complaint

    Date:08/09/2024

    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 Bank continuously forces me to use a 3rd party app, Ingo, to process checks from FINANCIAL INSTITUTIONS as they do not have the appropriate technology to process these checks. The problem is, that this app forces me to pay a fee to deposit the check the same day, which is a feature Chime offers. I would like this amount credited to my Chime account.

    Business Response

    Date: 08/29/2024

    August 29, 2024



    RE: BBB ID 22118278

    Dear Mr. *****,

    This letter is in response to the complaint The Bancorp Bank, N.A. (“Bank”) received from the Better Business Bureau (“BBB”) regarding your Chime demand deposit account (“Account”).  The Bank provides banking services to Chime Financial, Inc. (“Chime”), the program manager.

    Please note, the fee was charged through the Ingo app for depositing the applicable check with the ‘Money in Minutes’ option allowing instant access to the funds. Chime does not charge fees for using the Chime Mobile Check Deposit feature.  Chime also has no control over the third party and the amounts they charge individuals to use their product.  Since the fee was charged by Ingo, you will need to contact them directly with your concerns as Chime is unable reimburse the fee.

    If you have questions about this letter, please send your message to the Bank using the email address shown below.

    Sincerely,
    Consumer Research Team
    The Bancorp Bank, N.A.
    [email protected]

The Bancorp Bank is NOT a BBB Accredited Business.

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