Chime Reviews

Subject: Formal Complaint – Unprofessional Customer Service and Loss of Confidence in Chime. Dear Chime Customer Support, I have been a Chime customer and have genuinely enjoyed using Chime in the past. Unfortunately, after my recent experience with one of your consultants, I am seriously reconsidering whether I want to continue banking with Chime.

I called Chime to dispute a charge that I never made to my account and they declined to reimburse me. I even submitted evidence showing that there was fraudulent activity on my account including suspicious login notices I had received from 3 different States within minutes of each other and they still did not consider my evidence. Less than 7 days later even before my replacement card arrived, more fraudulent charges appeared on my account. Chime is horrible at investigating and supporting their customers. I've lost over $500 and they've done nothing about it.

I just transferred to Chime after dealing with MyBank for 15 years. Big mistake, fraudulent charge was done on my card $150 and Chime knew it was a fraudulent charge and still denied me and My claim. They are the worst banking system ever. They had all the information and knew it was a fraudulent charge and still denied me. I wonder how many people have gone through this now. I have to wait 2 weeks for a new card. What a joke. Worst company ever. Do not fall for it. You will regret it.

This is absolutely the worst bank you can absolutely choose from, and they get people that have not so good credit because that’s who they can take advantage of. I have called customer service so many times to get help on fraudulent charges and refunds that’ve already been issued and released to my bank a.k.a. Chime, which they won’t release it when I had documentation from the vendors and merchants showing that they refunded it and it’s at the bank. They are terrible. They hang up on you. They will not escalate your call to management or supervisor. They are absolutely fraudulent and somebody needs to investigate them.

Constant mail flyers. Finally signed up, and they did not honor their sign-up bonus. The interest rate is bad; just use a real bank.

Customer service stinks. I had unauthorized charges on my account while I was in jail. Chime refunded some of my money, but keep denying the rest of my money although I kept sending proof that I was locked up at the time of those charges. They do not act competent sometimes when it comes to any issues, I have to repeat myself and it takes forever for me to get my point across. I still have over $1000 floating around out there and they keep denying my claim. By the looks of things, I will never see my money and Chime is okay with that. I have never had these issues in the past with no other banks when it comes to customer service. I am not satisfied and will not use Chime ever again and I don’t recommend it to anyone. As far as I am concerned, Chime has my money and refuse to give it back. I did everything they told me to do and uploaded the documents I was told to upload and still no satisfactory resolution.

Chime is great. I use the checking, savings, and investing features.

Try and claim to be a bank. Claims to be beneficial; claims to be all kinds of things that they're not when in all actuality, you trust them, have your money deposited and then somebody hacks in your account and steals it, and then has the audacity to call you, claiming to be bank fraud specialists. They are going to assist you in retrieving your funds into your account. Based on being FDIC insured and trying to drag you along for several days at a time, trying to glean other account information, bank information, credit card information for you to call their bluff and tell them, you know they're full of it. And you're not giving them nothing and you're reporting them, and then hang up only to call Chime and report fraudulent theft on your account, and for them to do their investigation in half a day's time and deny your claim.

I have been having a Chime account for a while and the account in general is very helpful, UNTIL YOU CALL CUSTOMER SERVICE! They are the absolute worst! I recently called because of a transaction from a gas station that was on hold for days so I inquired as to when the hold would be removed. There was a huge language barrier and instead of them answering my question, they canceled my debit card, which had to do with the hold!!! I even filed a business bureau complaint and got a response that everything that they did was appropriate. Completely unacceptable! Now I'm having to go to all of my business accounts and change out my automatic deposits simply because the representative could not understand the question. Even the supervisors were useless and rude, and I spent 2 days on the phone about this. The worst customer service I have seen in a long time!!!

I lost out on $100 for a service I never received. The customer service is horrible and it seems they don't take their job seriously, less alone care. The dumbest thing to do is request money back from said merchant. If the "merchant" intent was to scammed, they are not going to send it back at all. My dispute is still there, but I have my doubts, and plan to find a more reliable bank.

Chime is not a bank. Is a Tech company. They did not honored the bonus.

A merchant used 4 different names to bypass their system. 2 of the 4 I was able to block by freezing my card. It was clear as day it was the same merchant by the names they used and Chime offered no help. I spent hours on the phone being transferred back and forth. I uploaded 9 document 4 and 5 for both disputes…. They changed my cards and they still were able to try to steal from me. Chime allowed this to go through. They offer no security did not reimburse me and denied my dispute with obvious fraud. I can wait to close my account. I have to make sure spot me is off. I have to keep all money in my savings account until I want to make a purchase then be as fast as I can before they let some one steal from me again, I’m waiting on a few deposits when I get them I’m done with chime.

On April 20, 2025, a fraudulent transaction for a Depop purchase appeared on my Chime account. This is not a one-time issue. Over the past year, I have tried multiple times to open disputes this. A fraudulent charge. Every single time, I got nowhere. I spoke to multiple people at Chime, explained the situation, provided information, and asked for help. Nobody was willing to actually help me. No one resolved the disputes. No one did anything. I have wasted hours trying to get my own money back. It is incredibly frustrating and feels like Chime does not care about its customers at all. If you are thinking about using Chime, be warned. If fraud happens, you are completely on your own. I’m leaving this review because I want others to know what they might go through.

This bank allowed $1200 in fraudulent charges come out of my account even after a police report, and me calling them 4 times to report it. They denied all claims. I would advise against using this bank. No one I spoke to was In America. None of the “managers” helped. I included the police report in my disputes to the bank and they still denied my appeals saying it wasn’t fraudulent.

Just keep in mind that whenever you or someone else do referrals you are not going to get any money from these people (Chime). They just want your information just so they can scam on your name.

Absolutely horrible business - customer service is 0 out of 10 - they bounce you around from department to department, give you misinformation and totally unable to resolve any issues. Worst banking experience ever!

There isn't anything lower than one star. DO NOT use this company. They allow frauds, scams and do not have anything in place to protect the consumer. You cannot reach anyone directly, multiple transfers on multiple calls with no resolution. If you request refunds, do all of the documents and all information, the overseas call center just says, "oh we are sorry" and you get nowhere. Call it a loss and cancel the account don't look back. You are out of the money in the account and will never see it again. After numerous hours on the phone and with the chat I closed my account.

Don’t use it! Idk where they have all the reviews on their website. Because I can’t find a place to submit one. Was charged 84.48$ from a store that I didn’t get anything from. Store says it’s Chime. Called customer no service and they said it’s the store and I’ll just have to wait until it’s outta pending before I can do anything. That’s great. I’m outta gas and outta 84.48$ that I had to get gas with. Now I have no money or gas. So don’t think you're being stranded and can’t get to work being 1200 miles from home is of any importance to them. Also Loves Travel Plaza will never get any of my business ever.

Chime is bad for my credit. It made my credit score go down real bad. They said get a credit builder. That credit builder brought my score down bad.

I have been a Chime customer for YEARS and never had a reason to question them until I actually needed them to protect me from fraud. My card was stolen, and approximately $300 in unauthorized Amazon purchases were made while I was asleep. I reported the charges to Chime as soon as I discovered them and contacted Amazon directly. Amazon confirmed the order was NOT placed through an account associated with me. It was not in my name and was not being shipped to my address. Amazon explained they could not cancel another person's order and advised me to dispute the unauthorized transaction with my bank. I did exactly that. Chime denied my dispute. Multiple times.

My first few weeks with Chime were fine, up until I attempted to dispute a charge to my account. I provided a trove of paperwork proving my chargeback request was valid, yet the dispute was rejected on the grounds that "not enough information was provided". That issue by itself is annoying enough, but Chime has also shown they can't be trusted with my deposits -- multiple attempts at sending ACH transfers from my employer's two banks to my Chime account have been rejected due to "the receiver's name not matching the name of the Chime account holder".

They closed my account without any zero notice and took my money and expect me to wait 30 days to have a check mailed to me…I did nothing to break the rules. My only deposit are from my employer but apparently it’s against Chime's rules to have your pay check direct deposit..And then when trying to call they hung up on me multiple times and can never give me a real reason my account was closed and refuse to let me speak to a supervisor saying I have done all that can be done. A supervisor can do nothing more than I have or tell you more than I have.

I attempted to withdraw $200 from my Chime account using a Venco Business Solutions ATM. There was no money dispensed so I filed a claim and uploaded the receipt showing $0 dispensed. I received a notice stating that my claim was denied. I contacted the ATM company and was told that there is a known issue with Chime and CashApp that they are well aware of and have been denying funds that were reversed. The agent sent documentation showing that the funds were reversed to Chime. Can we say class action lawsuits.

There are two duplicate charges from an online retailer. The retailer has zero record of any transactions associated with that card. Chime support is utterly useless and incredibly rude once you escalate - and again, they claim they have no access to any info. They denied my dispute in under 24 hours and refuse to speak directly to the retailer to prove there are no actual charges. Where did the charges come from and where did the money actually go? This company is a complete ripoff. They want me to provide a screenshot of what I was doing at the time the charges occurred.

BEWARE OF CHIME!!! For anyone who banks with Chime, please be careful. I recently had 2 fraudulent charges totalling almost $500. I have been working with them for weeks, jumping through all of their hoops, and they are refusing to protect me and reimburse me what is owed to me!!! Their customer service is horrible!!!

Absolutely nothing but a headache from beginning to end. I could open an account online and then that was the end of being able to do anything. I have never been able to access my account from my phone. Chime says it is an app issue...duh! And that is as far as I could get. You can't get any help unless you use the app or call. You have to do everything from the app and if you can't get in, I guess you are just up the creek. If you can get a human on the phone, they are almost impossible to understand and rarely understand what you are trying to tell them. It is the most useless thing I have ever used. I am done with it!

I am extremely disappointed with Chime and the way they have handled my deceased wife's estate. I have been trying to get this matter resolved since October 2025, and after all this time, it still remains unresolved. What should have been a straightforward process has been made unnecessarily difficult and frustrating by Chime. The most disappointing part is that I cannot even speak with a live person. The Estate Department deals with customers exclusively by email, making it incredibly difficult to get clear answers, resolve issues, or speak to someone who will actually take ownership of the matter. Dealing with an estate is difficult enough without having a company make the process even more complicated. After months of trying to get this resolved, I am extremely disappointed with the lack of communication, accountability, and customer service I have received from Chime.

Chime is fraudulent. I signed up for the new chime credit builder card on July 28, 2026 because on my app it said if I sign up for the new credit builder card I would receive a $50 boost me bonus. I never received my bonus after signing up so I called them and they said I had to wait until I receive my new card in the mail and activate it and make a purchase to be eligible so I did as instructed and received my card on August 9, 2026 and still never received my $50 boost me bonus. So I called again and was told I had to wait 10 days to receive my bonus after activation and making a purchase. So I waited 10 days and still didn't receive my bonus.

I had the experience to sit on the phone a half hour being transferred to each department for them to end up telling me THERE WAS NOTHING THEY COULD DO. Mind you I’m a single mother. Have used this app for two years and all I was trying to do was pay a section of my instant loan early and it took the full amount. I had other bills I needed to pay that were due today and I was told to wait it out till the next one comes. SO THANKS MUCH “Lin”.

Do not use this company! Customer service is a joke! I have charges they can’t explain. The credit builder is not accurate and nowhere near what my credit score actually is! I work hard for my money, and they take it with no real explanation!

Deposited 2 checks. First one was fine, second one, they decided to hold it for a week. Then on the day I was to get it, they changed the time from 9am to 9pm. They claim that it's the computer, and they can't do anything about it. Never use them again. Canceling chime ASAP.

Do not use Chime! The credit builder account is not protected. It is not a federally insured bank account. If fraud occurs, you will not get your money back and they will not stop the company from continuing to take your money even if you file a fraud case. They will say they are investigating and do nothing. You will never see that money again. Chime expects you to launch your own investigation and upload any findings or correspondence to them. I work 16 hour days during banking days so how is that possible.

Chime closed my wife account with hundreds of dollars still in the account. We are not able to talk to anyone to get the money back!

I have made 2 disputes with Chime. One was for a charge in China or somewhere in that area. Which was denied. The other was for a Sunoco gas station which there's no Sunoco there. It's a Chevron. I noticed the charges and disputed it. Denied. I let it go. Then on my other account, which wasn't Chime. I disputed it on my other account. Immediately responded back to me and money back in my account. With the knowledge that there isn't a Sunoco at the address of the transaction. I then opened the dispute back up with Chime. With additional information, and then also denied. Tell me to contact the merchant. How there is no Sunoco there. Let alone 10 miles of one. That I know for sure I don't go to because of where it is.

Chime is a joke. Stay away at all cost. Customers service must have a combined IQ of under 10. They don't listen they simply apologize for the inconvenience their company has repeatedly caused. They simply read if they can..from a script like half witted monkeys waiting for a banana treat. They don't even follow their own protocols.... They simply apologize for not doing so. God forbid you have to file a dispute... My advice.. Save your time and energy because they simply deny deny deny without any explanation. Chime will have to pay for their mistakes. This by no means a threat.. Just an honest to goodness promise.

The SpotMe have changed.. The app will not let you use your spot me unless that person sends you one first which is completely bogus when the used to let you spot anyone on Chime which results in me not being able to use my spots.. I used to love chime but corporate greed is slowly creeping in.

The staff and customer service are extremely rude, they escalate problems and don't solve. Chime of course like most American greedy companies outsources their customer service overseas, there the staff barely speaks English and treats you terribly. Chime also logs you out of your account periodically by itself and won't allow you to log back even if the information and password is correct. This happens at critical moments like needing to pay a doctor or medical bill, Chime logged me out and wouldn't allow me back in even though the password is correct. American businessmen should be ashamed. American customer service for the American people is what's right. But the elite don't care. This is the result.

Although the loans are nice, I'm finding their ai runs the entire bank and human reps do nothing. Most do not understand English language and I'm constantly missing money. I'm on a fixed income, count every cent, I'm getting ripped off. Experian boost is a joke, drops bills off constantly and then you're credit drops by 70 points. Credit not accurate at all. It's a damn mess.

My grandson passed away 9 months ago. He had an account with Chime. His estate went through probate and I am the executor of his estate. Chime completely disregards the court order from probate court. Will not send money to his estate unless they send to his old apartment address where he hasn’t lived since he died. I’ve been going back and fourth for six months to close and get the money he has for his estate. I would never recommend this bank to anyone. If you’re going to bank use well known bank that’s been around. I didn’t have one issue closing his Chase account, Bank of America, life insurance or stock account. Mind you, he only had 100 dollars in this account and they won’t give it up! Wow!

I can NOT say enough bad things about Chime. It is horrible. When depositing a check online it takes 5 business days to get it. When you call customer service you speak to an automated person and it takes forever to actually speak to a live human being. They never can resolve problems. I am closing my account and warning you to not open an account with them. It is a scam.