Chime Reviews

I am extremely disappointed with my experience with Chime and I feel obligated to warn others before trusting this company with their hard-earned money. I experienced over $1,000 in unauthorized charges and ATM withdrawals on my account, and instead of receiving support, understanding, and protection from the company that advertises itself as being customer-friendly and modern, I was treated with disrespect, frustration, and complete disregard for my financial hardship. The unauthorized activity on my account caused me severe stress and anxiety. These transactions were not made by me, and I immediately did what any responsible customer would do: I reported the fraudulent activity, filed a dispute, and submitted documentation to support my claim.

If you value your money and your sanity, do not do business with these scammers! Buyer beware!

Terrible!! I have deposited thousands of dollars into my Chime account. The one time I needed them to review my dispute of $40 being withdrawn from an ATM that was NOT my doing, they denied it!? Instead they INCREASED my daily withdrawal limit as if that is common a sense thing to do. The location and time of the withdrawal was given so if any “investigation” was done, they would have pulled up the ATM video and compared to my picture ID and seen it wasnt me. Again, $40 so it's not the point! It just having deposited thousands, why would I b.s. over $40?! Their resolution is claim denied but will will increase your withdrawal amount so you can get scammed for a bigger amount next time. Absolute buffoonery!!!

BEWARE!!!! Your money is NOT SAFE here. I had over $3,000 stolen from my account, notified them within hours and they didn't stop our reverse the transactions. I have asked multiple times for them to recover the funds, but they give some vague denial. Closing my account as soon as my paycheck gets deposited so I can set up my new bank account.

I had a Chime account for 6 years. I used to love them, but recently I hurt my back and I was sitting at home and I heard my account go off and even though I was sitting at home with my ATM card in my purse, next to me they were allowing people to withdraw money from my account out-of-state. I called and reported it within 2 minutes. The worker told me that she can see that the people are still trying to withdraw more money out of an ATM over 3000 miles away from my home. I had Locked my card as I called chime but they still allowed 1 more charge to go thru. I talked to their representative. I reported as fraud.. The representative calmly told me, "Oh, it's normal for people to clone cards. Don't worry, we'll have your money back in 10 days," which was too long.

Incentive programs. They have so many "fine line" details they do not at our even when you sign someone to Chime. I signed up my friend and because she didn't activate her card within 14 days of direct deposit neither of us got paid.

I unfortunately fell for a scam and sent money on this app. Once I realized the extent of the situation, I reached out to Chime who said they wouldn’t really be able to help due to the instantaneous nature of the transaction. Financial institutions should have better consumer protection measures for their clients. I definitely won’t be using Chime in the future, knowing that it is full of fraudulent activity that is condoned and assisted.

Yes I've gone through better business for this. My purse was stolen from my car along with my tablet and phone. Well the phone that was stolen is the number that was linked to my account so it was not hard for them to get into it. Well 5000 dollars was stolen from my account 500 from CashApp. Also cash app returned my money. I gave Chime everything. They asked me for the person. Left behind a lot of evidence he used. Then I forgot my password button on chime app and it show that he had the password link forwarded to their email. They also transferred money to their account twice. Chime told me they secured my account then how is he still getting into it. All I want is my money returned. Now I had to file complaint to few places. Going be A long drawn out process.

Tells me my check will clear by Friday. Still waiting. Oh yeah. It doesn’t clear during business hours. It clears when everybody has closed up for the day and are already sleeping. Good luck with customer service. Thank you is all they know how to type. My normal bank has it available right away. Chime is 5 or more days and a 8pm or later availability. Next time I’ll wait until I’m back in town and just use my real bank with real English speaking people. Why do I chime? So I can’t have access to my funds during normal business hours.

I've been with Chime for 2 years now. As a disabled guy I find their tactics unprofessional and overall a total 💩 show! They don't speak English well at all and their dispute platform is horrendous! They don't answer your questions they don't take any responsibility for their actions either. I am now in the process of leaving chime for current which allows a way way better pay day advance than chime does! Their my pay is a joke completely! They change your my pay monthly it goes down more than up. For instance 2 solid consecutive years of direct deposit and I barely get 200 in my pay!

I would give ZERO stars if I could. They "couldn't verify" my mobile deposit. It was a check from National Grid! I called and asked them to review it manually and they outright refused. So now I have a 1,000 check that isn't worth the paper it's on. Can't open a new account somewhere else because I don't have a non-driver's license and my expired ID is over 10 years old. Is that on me? Yes, but with how New York State works... it's red tape around here! I would not recommend Chime Bank at all! They don't do anything to help you. Go to somewhere local.

I've been a customer of Chime bank for 5 years and never had a problem with depositing my paychecks but on May 8th 2026 I deposited my paycheck using the mobile check deposit section of the app (as I've always had) and Chime paid me 200 of my check and told me I couldn't get the other 370 till the following Friday 05/15/2026 at 6pm. How is that I had asked. The check from the payee cleared their bank 05/12/2026 and yet Chime hasn't deposited the funds into my account, so where's MY MONEY??? This is unacceptable, especially when I have children to take care of. They're causing me to borrow money that in turn is costing me money to borrow so They're non integral actions are not in the customer's best interest, they're actually making money with interest charges on my money that they're holding that shouldn't be held.

I was charged 32 times $2.00 per fraud in the middle of the night Will not return my money.

I will never use Chime again. I disputed a transaction because I was scammed and they basically told me tough luck - nothing they can do. My bad for trusting an online sale and badder for trusting Chime. Basically they make it ideal for scammers because the scammers have no repercussions which is why I assume they use Chime. Chime should be refunding my money and going after the scammers. In my opinion Chime is as much as a scam as the scammers that use it. I guess as long as the money is flowing through Chime - they don't care who or how it is used.

Deposited payroll check May 9, Boss says cleared bank. Been a customer 2 years. Won't pay me until May 15...think something fishy and now cannot pay my mortgage... Don't do business with them, also never had a problem with the account.

Don't get chime. They rip me off. I verified my id and they wouldn't update my info so I could get in my account.

That was charged 22 times while I was sleeping with my phone was suspended at the time. I thought of dispute time. Denied it. Last month my account was traded over $600. I filed dispute trying denied it and that was when my bank card was stolen. They keep letting people take money out of my account and I keep telling it it's not me. I ain't got proof this is not me and he's still allowed to happen. I have 22 charges within minutes apart wake up my whole bank account but try and denied my dispute. They are a bunch of ripoff. Is a ripoff company. They overcharge you and they just let anybody take their money out of your account.

Updated on 05/25/2026: Refused to give me refund on transaction then after closing my account they reopen it stating I gave them permission when I never did. If you value your money or social don't use this.

They give you a hard time about unauthorized debit. It took them less than 24 hours to make a decision with me. From a company that is known for debiting customers' cards without consent. Beware.

RUN! Run far away from Chime. Was a Chime Customer for eight years until, this year. When someone fraudulently used my account. Customer Service is horrid. Had to sue this company.

Here I go again 2nd review..Chime will not release my money. Here I go again... Spoke to chime 05/07/2026. Spoke to yet another rep... Who told me that they would escalate the situation. They even put me on hold so I can speak to a supervisor then mysterious was disconnected. I called back and another rep said she saw no notes and I have to submit my DL and birth certificate again to receive my money... Why? I have been dealing with this since February 20, 2026.. I have all recorded conversations and I will notify the news so I can also join in on this class action... This is ridiculous... Chime responded to my last email to give them a chance... But this is where we are again... I keep getting the same message repeatedly... Hold please... 5x... Then we will escalate your issue and you will receive an email... Weeks go pass and the same thing over and over...

Sent a deposit to buy a dog through Chime. Once they the seller received the $ there was no more conversation and I had been scammed. I called Chime and they said nothing they can do. They know this is a rampant fraud for placing a deposit for pets and fraud being committed but said they do nothing about it…Stay away from Chime as they perpetuate fraud.

Updated on 05/09/2026: Well my issue is still ongoing after the last time I called customer service and they got me a manager and she was the worst manager I have ever talked to!! Took her 20 minutes to get to the call but I figured that that's because she was already looking at my account and had decided what she was going to say ahead of time. She never even gave me a chance to talk. She blamed my checks not getting deposited on the date that they are issued. Which as I said before I have even shown them proof of the fact that I get paid on the 3rd not the third Wednesday or 4th Wednesday of the month. Then she proceeded to keep talking and when I tried to talk she just talked louder faster and came to where she said and, "I can no longer help you with this issue. So I'm ending the call," and she hung up. This means they're not escalating my case, which means they're not looking for my missing deposit from SSA.

They are a terrible Bank when it comes to assistance with fraud claims! I was frauded $647.00 and the took only two days, whereas most banks take 4-6 weeks to investigate!? Their response was, " We see no fraud because you have your card in your possession." Have they not heard of restaurant, internet, card reading scams?! And don't ask for a manager as there is none, just peons that read from a script! They have a parent bank, overseer who states they don't get involved, Stride Bank!! Well the police have found fraud with two names and 3 States the money went to! This foreign bank needs to be CLOSED!!

We were the victims of fraud and found that Chime has developed a platform that enables fraud. They also refuse to monitor their platform and remove individuals who have scammed when presented evidence of the scam to prevent that individual from using their platform for another crime. They not only developed a vehicle that scammers must love but also refuse to protect their members that are using their application in good faith. Use at your own risk, which is not something I would say of their competitors and as you can see from this AI search reply: User Experience & Trust: While some users love the user-friendly, "stress-free" app, many others report significant issues with customer support and resolving fraudulent transactions, often finding themselves without recourse after money is stolen.

Received a Chime Card in the mail. Sent to wrong address (grateful for honest neighbors) and was never applied for. Called their customer service to report fraud, was hung up on twice. When I asked the Chime rep how someone applied for a card in my name, and on what date it was applied for, he demanded a picture of the front and back of my license. Sir, I didn't ask for this and how did it happen seems at the very least a basic question. If I was in need of a banking service, I would never use them.

I've had Chime for years and the first time I filed a claim for 69.99 from a place I've never heard of they denied it and I lost the money. Chime is a scam and after digging deeper I found out they had a lawsuit already with them from ripping people off.

Chime sucks, and I don't recommend it. They make you up for mobile deposit at Chime only, when making a check deposit, and then deny the deposit because their operations are not up to date and cannot handle the security features of the bank that the check is from. Now, nobody else will cash it. because of the mobile deposit written on it... I am now out $700... Beware, or it will happen to you.

Absolutely horrible. Their website says there is no transaction number limit on “pay anyone” function, but yet after a few failed transactions which their system counted as real transaction (even though they didn’t go through) I got a message saying I exceeded daily limit of seven transactions which I was not even aware was a thing. I got no warning from the system about this rule beforehand. I had to get this money to someone that day and could not. And my debit limit was less than the amount I was trying to send so I couldn’t send an instant transfer either, and bank-to-bank transfer would take three days, so I was stuck.

Even I was hoping to be part of a event that turned out to be a scam. I contacted Chime and after being transferred several times with people that could barely speak English, I was finally told that they won't do anything to get my money back and kept saying I need to request a transfer which I already did. If it's a scam does these people actually think the crooks will just give back the money? What a joke of a financial institute.