Chime Reviews

Chime is a horrible company. They are not a bank as much as they want to be. Do not ever sign up. I had over $21,000 fraudulent charges all from Nigeria all consecutive. They should have caught it. I've never made purchases through any of these companies before.. Again all from nigeria... Think that sums it up.. They do not stand behind customers and denied my claim over $21,000 in 2 days... Do not ever use chime!

Chime let someone (not me) open an account and Credit Card in my name. I was scammed. Someone opened a Chime account in my name and transferred money out of my Apple account into the fraud Chime account. I disputed the opened Chime account and chime responded that I transferred money to friends and there would be no refund. Then Chime sent a denial of a Credit Card saying there wasn’t enough information for the Credit Card they issued. Wow. Just wow.

Chime has been getting really hard to deal with lately. They authorize scammers to steal your money. I don't understand why this is now becoming an issue. I have been dealing with chime for years and now it's become a circus.

Chime does not deliver on their promises. This is coming from a Chime member since 2017. I am a Chime plus member and I have been receiving nothing but bad service. My paychecks are never deposited on time. Only a day early. MyPay rips me off by taking my entire check and then lowering my MyPay balance in the middle of a pay week leaving me completely broke until next pay period. No Chime service member will help you. They will only tell you that everything is computer-generated and they won't be able to help with any type of problem you may have. They can't tell you where your money is or expedite any type of transaction whatsoever. If you can settle with another bank that claims to pay 2 days early, just go with another bank. Chime will do nothing but cause anger and frustration and there's nothing you can do about it.

They lie about the fact that you can send money and receive money at certain places. And they suck when you call with an issue. Don't trust them. I'll be going to a different card. Walgreens sucks with Chime.

You cannot add money unless your debit card matches exactly your 1 address listed on Chime. Your business, Lakehouse, or any of your other legitimate addresses. There’s no security there. Just foolishness.

Fraud investigation needs major improvement. Charges from overseas denied. Switched to SOFI. Used for for years and this happened 7 bad charges to my account. No customer service #. Every contact through AI. No help.

I have been with Chime since 2021, 4 years and haven't had any issues with them until now. I deposited a check on April 27, 2025 and it said the funds wouldn't be released until today, Friday, May 2, 2025 and I've contacted customer service Representative and supervisors and now I'm being told I won't get my funds released until 7 pm PST, Chime time zone instead of MST, my time zone. Tomorrow will be 7 days total days Chime has held my deposit. Chime Representatives don't offer any solution other than wait until the last minute to get my funds released. Believe me, there won't be a next time! Be aware.

Do not trust these people with your money. I did, big mistake. Customer service speaks very poor English. Had to explain what an atm was to one of them. They lost my money! How are they even a bank? Seriously no joke, stay away.

Chime does not care about its customers. On April 24, 2025 someone texted my phone pretending to be Chime fraud department letting me know that someone is trying to access my account and that they stopped the charge and asked me was it me. I said no and they asked to give me a call to make sure that it was me they were talking to. These scammers called my phone and pretended to be a live agent from chime and they were there to help me in securing my account. Just to put it out there this is not the first time I’ve gotten one of these calls. These scammers got me fired my entire check and gave access to my account. When they take all my money I call chime to make sure if it was them and it was not. And instead of them having any concern that someone is pretending to be them they just do a dispute and tell me I have to wait. Well I waited just for them to deny my dispute with no real reason. So now I’m continuing to fight for my money back.

As I have seen here now multiple times. I am Disabled. I had prostate surgery on Monday and came home and went to sleep. The next morning I wake up and someone hit my account. I disputed it as I needed antibiotics. They not only didn't credit my account they DENIED the claim outright! Folks this is BAD BUSINESS! Someone took over 10% of my monthly income as I have 3 sons and a wife! They DON'T care and I even Emailed Chris Britt 3 times! No response! Do NOT DO Business with Chime. Go to Cleo or Anywhere but here! You have been Warned⚠️.

Chime is a joke. I filed a dispute on charges 2 times now. The first one was a flat out hack to my account or theft. The second was for a company that issued me a refund. I sent proof to Chime that the company issued the refund. They still declined my dispute. I am not happy with chime. If you want your money don't bank with them because they certainly do not care about fraudulent charges or returning refunds.

The audacity of MARIA, a CSR supervisor, to tell me she won't give me her employee ID number because I'm not a CHIME member in the wake of my father's death is DEPLORABLE!!! I am a member because I have Letters of Administration for my dead dad's estate. So, his account is now my account by the power of the courts of CALIFORNIA! So NOBODY Die with an account at Chime because your heirs won't get a DIME! And heaven forbid you have the misfortune to deal with Rythm at the depart of the dead, she will be rude as can she can, flippant and the give you the silent treatment, so that you can call the CSRs and they can be cowardly and hide behind the telephone!!! DISCUSTING!!! Go to Capital One. They were compassionate, empathic and gave me ZERO flack about the matter.

I accidentally signed up for Chime three years ago and absolutely never used it. Now that I’m with time and I have my direct deposit set up. I don’t qualify for the referral plan. I don’t mind but they didn’t let me know before I signed up for my direct deposit. I feel like it’s false advertisement. I’m quite sure I’m not the only one who done this. Of course everything computerized these days and nothing nobody can do. What they should do is let a person know if they qualify for the referral plan before you sign up as a common courtesy. That’s all.

Strongly dislike Chime. I had them since 2018 so that’s 7 years for them to not put my check into my account after changing my last name to my married last name and they returned my pay to my job twice after they said they fixed the problem. I hate the card and I don’t recommend the card. Also isn’t compatible with Zelle so what’s the point in this card and the customer service support center is horrible. Barely speak English and they don’t care.

They're an unethical bank practices unethical banking practices. I've filed a complaint with the FDIC for unethical practices. If you use the Pay Anyone feature and the recipient is unable to collect the funds (under age 18 in my case), they will deduct the money from your account, refuse to refund it, and the other party never gets their money. They picked the wrong person to steal from!

Have been with Chime for awhile. No issues until yesterday. Had money taken out of my account. Was a scam. Called Customer Service. Was told It was my fault and I should have known better. It was over 1400.00 dollars. I have closed my accounts. They were rude and unprofessional.. They never even tried to help. Basically called me stupid.

If I could give them 0 stars I would. I was with them for years and had no problems at all. But in the last 2 months they have been horrible. There is a feature called MyPay which is basically a small cash advance. Part of the amount you get is determined by certain factors, one of which is linking your payroll provider. For months, this feature worked fine. Then all of a sudden chime drops the connection. I talk to Chime, several times, and each person I talk to tells me something different. One person even told me inaccurate information, and I know it’s an accurate because I read the terms and services. They said they would escalate and try and get the issue resolved, and I never heard back from them.

Customer service never speaks English. They don’t understand what you’re talking about. They get mad when you want a supervisor when you’re right about things cause it’s your money. I disabled my credit card April 10 and I got an email saying I will get my new card April 20 which is Sunday and Mail doesn’t run on Sunday. I got another email saying I might get it on the 24th business 7 to 10 business days. Isn’t that going against their own policy.

I like Chime however their customer service is absolutely horrible. They took MyPay away from me because even after 5 people one being a supervisor they could not understand that my payroll provider switched even though they seen two direct deposits from them. Also the supervisor hung up on me because she was tired of dealing with me. I was being super polite but I guess she had enough. Also it seems like their responses on the phone are automated like they are just reading something because each person said the same thing every time I called. They won't actually listen to you and won't think outside the box. Supervisors have no more pull in helping you any more than the regular customer service people so don't waste your time.

I tried to send money to a friend through PayPal/Xoom but the payment was returned. The initial payment was 68.99. The refund amount was 63.99. I did not receive the refund in my Chime account after 3 days so I decided to call them and they told me that it would take 7 to 10 business days. It has been past 10 business days and I'm still not received this refund back.

I called to update my phone number as I'd already was a client and it took me 42 minutes. I verified everything with the first person everything with the second person after opening the app with my thumb and still had to send a copy a picture of my ID the front and the back and a selfie. So then I asked to talk to a supervisor cause how ridiculous and I had to verify everything with the supervisor before she could even talk to me. It was it was stupid. It was outrageously stupid. I was going to apply for their Visa card and now I just don't think I'm going to I mean what a joke 42 minutes is what it ended up being to update my phone number. Who has that kind of time. Why would anybody need to verify three different times all their information for anything. I will say this prior to this I haven't used a car very much but the couple times that I did use it it worked great. Just don't call him for anything and it should be fine.

Hi, I am disabled and I got referred to Chime by a friend and chime doesn't honor there referral Bonus. I would strongly recommend not using chime I called and spoke with someone about Bonus last month. The supervisor I spoke to in February said, "Don't worry we will give you Bonus." I called today and spoke to Sam supervisor and explained what I talked to supervisor and today Sam said they won't give Bonus. I said that account should be noted so then Sam said he would investigate the issue, put me on hold for 10mins, came back and said can't give Bonus. I said why account is noted. I asked Sam what was investigated. He said nothing because he can't read other call, no access, so how or what was investigated, nothing except he sees that I called but doesn't have access. I said call I recorded, can he pull call, can't do that either.

I received a deposit to my Chime account, I then selected to transfer from my chime to my bank account. Instead of a deposit Chime deducted money from my bank account. I disputed transaction with my bank then chime closed my account with the funds still in chime account. They said they will send me my money via check. I called and spoke to 3 people, explained the situation, nobody could help. I WILL NEVER REFER ANYBODY TO THEM!!!

Chime sucks. I submitted my tax return through Chime and the federal return was rejected due to incorrect direct deposit information. I tried to fix it through Chime and the website says internal error and to contact support. I contacted their support three times and at first they told me to call the IRS, so I did. They couldn't locate the return, so I called back Chime and then they told me to contact you. All I need to do is update my routing number for my direct deposit and it has taken me hours of going back and forth with no help. Their team is hard to understand and it is near impossible to even get a real person on the phone in the first place. I asked multiple times to speak to a supervisor and they kept making excuses and finally when they said they would get one, I was put on hold and then was hung up on. Actually ridiculous and all over something that is a simple error. I should have just paid the money to file through Turbo Tax.

I had an order that canceled from Hibbett sports back on March 26. When I spoke with Hibbett couple days later they explain that the authorization hold would be processed back to my account within 3 to 7 business check with my back. I waited a little longer to call and when I spoke with the 1st representative they said they did not see anything contact Hibbett. Contacted Hibbett. They gave me the code 055315. Said was released on the 31 of March. I reached out to Chime. The rep told me that they then saw a hold that was pending and should fall off within 3 to 5 business and should be seen in the account. Here it is the 14th of April and no funds in my account.

I opened account in 2023. It seemed great in the beginning. Well I've just had my first and Last dispute with them. My friend has Cash App, I tried sending her 12 dollars. I did something wrong and she never received it. I contacted Chime right away and was told that my friend has a Chime account and it was delivered to her?.. I kept saying No she doesn't have an account there. But the rep refused to listen or help me. And said there was nothing they could do it was delivered to right person. I asked to speak with Supervisor and was told that They would tell me the same thing as she did. I said there must be someone with the same name can you check?, She said no it's her, who you sent it too. I hung up and filed a dispute the next morning. I just received their response and I was denied!! I can't believe it, they are rude, impolite, and dishonest

I have had Chime for over a year. It was fine and then I found out I had a hacker in my phone and I wondered what happened to some of my social security checks. But of course Chime Blamed me, so they wouldn't give me back any money. I just now had it happen again so I will be closing my account

I be been a customer with Chime for a few years and in those years I still haven’t received a debit card, in years. There’s no excuse for this service and I’m still waiting. I wouldn’t even rate this company/service, it’s that bad along with their customer support. It’s absolutely ridiculous that I’m going through this issue along with other issues and nothing is getting resolved.

Chime's security procedures have severely impacted my ability to access my funds. After breaking my phone and losing my wallet (including my ID), I was locked out of my account as the app requires phone number verification. I was informed that I needed a valid ID to regain access. Upon receiving a temporary replacement driver's license, I contacted Chime, verified my identity, and explained that the permanent ID would take 2-3 weeks to arrive. Despite this, Chime has refused to grant me access to my account.