Chime Reviews

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.

We were scammed through this website. We made a payment for repair services and immediately after we did so, we realized it was a scam. We contacted Chime immediately and they basically told us 'you're out of luck'. We understand that they cannot give us any information about this person, but they know all of his information and refuse to do anything about it. This person is continually scamming others, as we have since read of many people being frauded by him. His Chime name is Mohan **. Beware of doing any business with this person as you will be screwed!

I've been with CHIME since 2019. I have nothing but the very best of experiences in dealing with CHIME and all its representatives. You'll know it what I'm saying if you have been banking with CHIME. If I could give only give it a million stars because 5 stars are not enough. I love banking with CHIME. Thank you for taking care of all my banking needs and more the past seven years 💜

Beware of this company as it is used primarily for scams…no fraud protection, no recourse for scammers stealing money.

Chime had a data breach and they did not tell us. I'm currently disputing charges with them right now because of the breach.

I have to prove almost every single online purchase so as little as $25 but they let $800 something slip bye them from states away??!! OH but they can't stop a pending transaction?? Thanks Chime!!

I have about 20 or more transactions on my account that I did not authorize. I called 2 to try and stop these transactions from going through and I get told they can't stop them. That I have to let them process then I can dispute them. I have to work. I can't sit on my phone to watch for this not to mention why did they allow so many to go through before I was notified?

This bank is strictly catered to scammed! I have had thousands of dollars stolen out of my account of disputed fraudulent charges only to get denied every single time despite providing adequate documents for my claim!

I have had 3 replaced cards with ever single one of them hacked & drained. The customer service is pathetic. They're very polite and friendly but they lie about your account. I kept my physical card frozen and put away. But somehow all the fraudulent transactions are linked to the physical card which is impossible. Further, the LOCATIONS of the fraudulent transactions are equally impossible as they are many States away from my location & I have NOT traveled to ANY of them.

This is worst bank ever. My money was stolen. I did everything they asked even filed police report and they still denied me.

Worst app I have used as far as punctuality. I deposited a check that's less than $75.00 on 4/19. It's now 4/24 and the check is said to clear by 8 p.m. tonight. Nothing will be open. No assistance was given other than you should have looked that it would take 5 days. I guarantee the money is in their account. They just don't give a damn about a person's life at all. I'll never recommend this theft service to anyone. Life matters.

First of all. Their employees needs to be talk quietness, listening to the customers, patience and manners. My ex refuses to use Chime. Chime said it takes 4 days to deposit money. They hold my ex money for two weeks before depositing his money. Chime is awful. Then Chime allows my money to be stolen. I had to go to court and tell the judge what Chime is doing. I gotta go back to court and let them know if Chime got my money back or did not get allowed to take it. Chime is garbage. One employee said the judge wasn't doing anything. What a fool that bit is. Chime needs to be investigated.

SCAMMed on the introductory offer with no resolutions provided after multiple attempts to connect with a human through customer care. No accommodation/exception was made even though there were reasons to such as the debit card was not delivered even though it was tagged as delivered and the delivery time is too long. I am unable to transfer my own funds/deposit to any other account/brokerage because they have not been able to send me the debit card which is a prerequisite to transfer so STAY AWAY from SCAM!

The metal cards they are offering once your expiration date expires you no longer can enjoy the metal cards. They send you a plastic replacement. If your card is lost or stolen, they send you a plastic replacement!!!!

So where do we begin with this scam company? I signed up because they made it really enticing with their extra few dollars that they provide you. And then it all went to ** They were supposed to send me a debit card which they sent to an entirely different address. I called back to check to see where they sent it and had to give them a new address. That was in January and I’ve still yet to receive the card.

I was scammed: I was convinced by a "Venmo associate" that I needed to reimburse a customer $500 for an overpayment. Trying different accounts 1st without success, I was talked into opening a Chime account to transfer the money easier. He had made me so upset and somehow believing his story that he worked with Venmo that I continued opening a Chime account to transfer the money that I needed to reimburse. Although, me opening a Chime account is not the scam in itself, when I contacted Chime, through calls emails and through the Chime app, I had no success in halting the transaction. I hit "stop the pending transaction" but it went through anyway.

They stole $45 from me and caused my internet bill I paid to decline. They claimed the $45 was pending was the reason and it would credit to my account when posted. Well, it just posted and I have $0.52 and was told today that it was also successfully accepted???? I had a little over $12 left in the account when I went to sleep that night I paid my $86 bill. I wake up and the bill is declined and I only have $5!!!! Where’s my money Chime? I have screenshots from your agents telling me that the $45 would be credited to my account when posted. You lied to me and took my money while I’m struggling pretty bad at the moment. Shame on you, I hope you sleep well knowing you’re thieving from the less fortunate.

I opened a new account through the Chime website and the link on their site to get a promo. It said to open and then get a direct deposit of a minimum of $500 within 34 days. I did a payroll direct deposit in 15 days. They won't pay out because they said I didn't use a qualifying link to open the account. I USED THE LINK ON THEIR WEBSITE THAT SAID CLICK HERE TO START EARNING THIS PROMO NOW. I talked to 3 people on chat and 2 people on the phone. I told the first guy I wanted to speak to a manager....he put me on hold and came back and said he was the manager....it was the same guy! Then he said he had no resolution for me and hung up on me. Don't open an account here. What a joke. False advertising and fraud! The lack of service from the customer service people was a joke also. Unreal! Find a credit union coz this place is junk.

Only been with Chime for a few months.... So far I'm very happy!

Their online customer SERVICE IS AWFUL and it's the only one way to contact them. While I was calm and never once loud, yelling or rude the main supervisor hung up on me simply because she didn't know how to resolve my problem and also REFUSED to transfer me to someone above her. This is the WORST customer service I have ever received. The person I spoke to should not be in management and needs to be FIRED. I hope CHIME fixes this is and investigates their call departments. Do better.

I have a Chime account, when I sign up for the chime Green card I had no idea that when your card is charged and you dispute the charges that you get no provisional credit for the amount you are disputing. They charged made my account over draft. It is extremely misleading. I'm just now finding this out. I was told if I had a regular card they would give me a provisional credit. I've never heard of this at all. Very misleading to the consumer and customers.

My Chime app was hacked, taking everything that I had in my account. Starting with small transactions and then larger ones, within 5 minutes. Two different names in two states across the country from me. Police report was filed, I disputed the charges, then two more reviews once the first dispute was denied. Getting someone on the phone to actually provide details of why this was denied was impossible and the response email is very vague. I have yet to receive any details of the investigation. My money was supposed to be safe with Chime, but they failed to protect my money and refused to reconcile the situation. This is very disappointing and all of my family that I had persuaded to use Chime will be banking elsewhere moving forward.

Deceitful and liars. I spoke to 3 reps who lied all on recorded lines.

I’ve been Chime customer for more than 2 years, and ever since I signed up with them, Chime offers 100 - 300 dollars bonus to me if I successfully refer a friend to open a direct deposit account. So when my friend mentioned she was searching for a direct deposit institution, I recommended Chime, showing her their ad where she would be entitled to receive a $100.00 bonus if she used the, “friend referral link”. The requirements were simple enough; Minimal dollar amount: check; use of referral link: Check; Successfully opened account with Chime: Check; Successfully re directed source to direct deposit into her new Chime account with in 45 days: NOT.

Rip off. Liars! All to get you signed up then take your money. My Pay is like the MOB.

Filed bankruptcy, so Chime closed my credit builder account and won't give me my money. The court said they needed to send them a letter saying they have my money to be able to get it. Chime told me they don't do that to consult legal counsel, which I did, and that was what I was told to do.

I was very happy with Chime until I had a disappointing experience with their fraud department. After my card information was stolen, there were four unauthorized transactions totaling several hundred dollars. I believed the charges were clearly fraudulent, but my claim was denied, leaving me responsible for the losses. I’m grateful I caught the activity early—otherwise, the impact could have been much worse. I’m extremely disappointed with how my case was handled and ultimately closed with the conclusion that no fraud occurred. Situations like this make it difficult to feel confident and secure banking with Chime.

I used to be really happy with Chime. Had them for a long time and now I'm about to end my account with them. I was victim of wire fraud. Someone took a lot of money from me. I had proof and documentation of this and still they denied my claim. Said I would not get paid back. Wondering if they would do get the money back and keep it for themselves. Regardless they don't give you your money back when you're a victim. They need to take accountability for making it so easy for others to get into your account.

DO NOT TOUCH CHIME IF YOU USE SERVICES LIKE PAYPAL OR VENMO. PayPal and Venmo will not allow you to use your Chime bank account as a funding resource to send money. Both PayPal and Venmo will tell you it's because Chime is a "prepaid bank account" system. Utter nonsense! Neither my Chime checking account nor my Chime savings account are "prepaid" accounts. The combined balance of my accounts is in the healthy five figures. I have even gone so far as to write a personal letter to Chris Britt, the CEO of Chime, asking for his help. To date my letter has not even been acknowledged, and I've received no help whatsoever. Do a Google search to find out the legal judgments labeled as Chime for their unsatisfactory business practices. Steer clear of this financial services company, folks.

This bank is horrible! Go somewhere else because it's not worth the aggravation. I had an issue with Chime over a gas station purchase because they put a 150.00 holding fee on my account for gas that was never pumped and I called them to advise of this and Chime did nothing to resolve it. They closed my account that night and gave me some generic reason why. Do not bank here....I had constant problems and it's not worth the hassle.

CHIME is a tech company that handles financial services. Chime is not FDIC insured! It is NOT A BANK! YOUR MONEY IS IN DANGER. My credit card was stolen in January. I have sent proof that it was Theft. Chime will not refund the stolen money and it's only a $32 dispute.

I have been a member of Chime over 10 years so as long as they've open. There are pros yes of course to having Chime online banking and there are many cons. Changes of policy and software that only providing half of a deposited check and then you have to wait 7 days for the remainder of the deposited check is unacceptable. I do not recommend opening an account with Chime.

I was with them for almost 9 years and never had a problem all of a sudden on March 5 they allowed my checking account which only had 30 or $40 in it and my checking card was froze. They allowed a company to take me into the negatives $545. I followed a dispute. They said it would be until June before they could fix it a couple of days later, they ruled against my dispute and said I was at fault somehow so I am going to report them to two entities that I was advised to do so I have all the records, all the recordings. It’s not even about the money. The simple fact is I have this checking account because I have a low credit score but yet they let it go. $545 in the negatives and they cannot explain to me why and with the exception of one gentleman by the name of Mark, all of the representatives and the two upper management ladies treated me like a criminal. They lied to me and once you lied to me about stuff like banking then that’s it.

I have had a Chime account for over 2 years and have recently filed disputes for fraudulent charges on my account totaling over $6,300. Once I filed the claims Chime closed my account with 1 day's warning asking me to remove the funds. I did and as soon as they closed the account they started approving some but not all of the disputes, I am unable to see which disputes are approved or denied and when I called to get clarification on why my account was closed I got the run-around, transferred 3 times after requesting corporate phone numbers and spoken to in a very condescending way, never provided any real answer and when I continued to press the issue I was hung up on. REP "Alex".

Unfortunately got scammed out of $$ and Chime does nothing about it. 😡 Any company that deals with money transactions should ensure their customers are legitimate! Fraud department doesn’t want to talk about claims over the phone. The best they can do is send you an email as to why they aren’t going to reimburse you. That way you can’t ask any questions.

CHIME is a scam. Customer service is untrained. Their promotion is a scam, to borrow your $$$ for free: ** Their customer service will repeatedly tell you that YOU ARE NOT ELIGIBLE, citing their computer system record, will make up some b.s. that you do something wrong, that you need to follow some non-existing "channel", despite the link is RIGHT ON THEIR WEBSITE -WHAT A SCHEME: THEY LIE to people, borrow $$$ for free. They need to be taken to court for this scam!!!

I would not recommend Chime! For 3 weeks. They were unavailable when all my checks never were sent over a month. They never notified me. I had to call them to help with the info. Had over $300 in late fees they didn't take responsibility for. Had to call them and go over every check they had to refund. Just unbelievable. If you need a real manager or IT to find out where they sent your check no one knows how to track them down. They can't even track the check that they sent. I talked to an it guy. He didn't even know. Unbelievable.

DO NOT USE THIS COMPANY FOR ANY TRANSACTIONS! They have the LOUSIEST CUSTOMER SERVICE REPS EVER EXPERIENCED! Untrained, non-listening, unprofessional and completely incompetent!!!! NEVER use this company for ANY of your banking needs!!!

Review: I had unauthorized charges on my account and filed a dispute with Chime. Despite providing clear information and having recorded phone conversations that support my side, Chime denied my claim without reviewing any of the evidence. When I asked for clarification, they refused to give details or explain how they reached their decision. I escalated the issue by filing a complaint with the CFPB, but Chime still responded with the same generic denial and no meaningful information. They did not provide investigation notes, documentation, or any indication that they actually looked into the matter. Their response was essentially just “no,” with no transparency and no accountability. This experience has left me feeling ignored and unprotected as a customer. A bank should take unauthorized charges seriously, and Chime did not.

I am so upset with Chime. I went to make a online deposit and I've been with Chime and I won't call him a bank because they're not. But I was declined to be able to make my deposit because I'm suspicious of fraud. Are you kidding me? I have never stolen or taken advantage of a company or anyone. I've been with Chime for about 5 to 6 years. I have direct deposit, but I'm told that basically I'm a thief and not able to make a deposit. What's the point of using them at this point in time? I'm putting my money in their institute because again, they are not classified as a bank.

I've had a Chime card for about 5 years and never had a problem until I was hacked and all information on my phone was stolen. All three of my bank accounts had fraudulent charges. Chime was the only financial institution that would NOT give me my money back. On December 24th, I found numerous fraudulent transactions, which I immediately reported to Chime on 12/25 and froze my card to prevent any further fraudulent transactions. The next day, I filed a dispute, which was denied. I had to appeal their denial. After 2 months, I was finally able to speak with someone in the dispute dept that actually had a brain and some common sense.

I will never recommend anyone to open a bank account with these sorry **. I literally had a check deposit in my daughter named to my account. Which they accept? But now they don't want to accept a deposit of five thousand dollars from the irs in my daughter name is see these folks only wanna accept what they wanna accept. They are some liars and need to be investigating because they are the true thieves. I will be closing this account after 10+ years. They definitely show you that they don't value they customers at all, so there's no need to stay with this bank.. I wish I could give these dirty folks a negative zero.

Chime is not helpful at all and they railroaded me on a mobile deposit. Then they say security reasons why they can’t. But it doesn’t matter that you already wrote all over the back of the check. They don’t care about that. That’s your problem to figure out. Is what they told me. I will never use Chime again. They were horrible Customer Service to everything. The supervisors are not helpful nothing. They just basically railroaded me and don’t care. So I’m gonna close this account and never use this company again.

My account kept getting hacked and they refused to close it putting me at risk for fraud. They couldn't protect the account and they didn't do a thing about it. I don't have a lot of money so I feel they took advantage of me.

Signed up. Chime offers a $350 sign-up bonus for new checking account members who complete three qualifying direct deposits of $200 or more. Used their link, called to inquire as to why I hadn't received the sign-up bonus. I was told I didn't use the link. I had screen shots of the offer and the information it also included once you sign up you can invite a friend for a $100 sign up bonus. I had a copy of the link I sent to a friend. They said you didn't use the link. I would not recommend Chime to anyone.

Worst place ever. Everything counts toward your max limits which is stupid. Tried paying my car payment after depositing funds on my Chime card. Car pymt co. Wouldn't even accept Chime. Tried to transfer the funds off my Chime card to my debit card. They want $9 to transfer and a $500 limit per day so it'll be $18 to get my money transfer and 2 days to do so. They not setup for my benefit. Bunch of clowns using AI for their customer service tool. I'll be closing my Chime account tomorrow.

I signed up for Chime because a friend referred me. I was having issues purchasing a vehicle with my other account so I opened a chime account in order to save money in it for a downpayment. Chime also advertises a $100 referral bonus for the person that refers it to you and to you for opening the account when you sign up for direct deposit. I attempted to set up the direct deposit about 15 times and it’s impossible to do so the referral bonus is impossible for me to get. When I went to put down the down payment for my car I found out that there is a $2500 daily limit that you cannot raise so we attempted to lower my downpayment to half and I would pay it over two days, but chime refused to process any payment no matter how low we made it even though my account had over $5000 in it. Because of this, my sale fell through and the car was sold to someone else.

Terrible, Terrible, Terrible customer service. The customer service agent I spoke to put me on hold after almost every question she asked me. I called to close my account. It took her 14 minuets to figure out that she had to transfer me to someone else Then the second agent asked me all the same questions that the first agent asked me. It was very, very frustrating. I will NEVER open another account with Chime. The whole conversation took over 20 minutes. Something simple like closing an account should not take so long.

Zero stars. Completely worthless unless you have direct deposit. Well some people don't have that option. It's complete garbage otherwise. The world's longest and worst advertisement. I just want them to know that. There's a reason I can't leave a review on the app. They know they're garbage!!!! Only picked one because they won't let me pick ZERO!!!!

Chime doesn't really have bill pay. They have a list of companies that you could pay using your Chime account. We could only pay our internet provider using their bill pay. Also, Chime had a bonus signup of $350. To meet the requirements, you needed to open a checking account and have $200 in direct deposits in a 30 day period to get the first $100. You get another $100 the second month after $200 in direct deposits. You get the final $350 in the third month after $200 in direct deposits. Since we get paid every two weeks (and this is a secondary account,) we made each direct deposit $150 for a total of $300 a month. We got the bonus the first month, but not the second or third.

Absolutely terrible banking!!!! If you have a Chime bank account, cancel it immediately!!! Please trust me at this!!! If you don’t believe me, I’ll explain! I banked with Chime for over two years and never had any issues! Well right before before Christmas 2025 250 bucks was taken out of my account that I was planning on buying gift gifts for my children. I called them. They sent me a new card. Never use the card right. Well next thing you know another $200 was taken off my account, I called them and asked them. "How could this be possible?" They said that they sent me a new card but they accidentally put the same numbers as the old card on there and that’s how my money was taken off again??? Isn’t that kind of hard to believe??? Seems fishy to me!!

I used to like Chime until they denied $40 worth of Panda Express charges that were done fraudulently! I send them a screenshot of 6 transactions done at Panda with my card & another family member's card, all in one day and in another county, like 6 hrs away from me! They reopened my claim 3 times and denied it all the times! But this last time they sent me another Chime customer's private information by mistake so now I feel very unsafe being a customer with them! Do better, Chime, especially over $40 of unauthorized charges! Spoke w/ Angelo supervisor and he just kept repeating himself to me like I was dumb, get better agents there too! Damn joke.

I have been a Chime customer for over 8 years. I had a lot of positive things to say for a long time, but in the last couple years there has been a noticeable shift. I can no longer recommend Chime and in fact would steer clear. They don't take responsibility for anything, make decisions in direct conflict with what is best for their customer, or ignore customer requests altogether most frequently. You will only talk to out of US customer service and they mostly just hang up. 11 calls in one day, nothing resolved and every single agent disconnected. They say let me check, and never return. Phone goes dead. 11 times. That is on purpose AND they have your number, if you know Chime they initiate all calls by calling you back as a security measure--or at least that's what they want you to think.

This is the biggest rip off I’ve ever seen in my life and that saying something because I’ve been on this planet for seven decades. I put my federally protected IRA distribution check into my time account 7 1/2 days ago and I still do not have access to one penny of that money. I’m sure time has made considerable amount of interest on that money during this time.. If you think they put this money in an escrow account, they do not. They are spending your money, making money on it when you cannot find another financial institution.

They took my money! My transfer went to someone who doesn't have Chime account and that person doesn't want to open account with Chime! But now sadly ☺️ this Chime refuses to put my money back into my account.. so sad.. so so sad. Other banks would never take money from their customers! & will recover their money by all means! But Chime, no they won't! So be very careful people!

Chime bank did not honor promo code of $350 sign up of direct deposit after I had verified through chat with their customer service that it was applied. I literally had evidence and it didn’t matter. All they could say was “sorry, sorry”. I wish I had research and see all the people talking about the same issue before signing up and set up my direct deposit with them

If you survive and live check to check like so many do that live in Realville. This ain’t the bank for you. The fact that Chime provides a mobile deposit is laughable. It takes 7 days or more for check to be posted. It didn’t take that long in the Stone Ages. Other banks provide funds immediately for a small fee or within 2 to 3 business days Chime however makes you wait a week if not longer. Everyone knows that the bank knows in minutes if the check is valid. So why does chime jerk off its members. Well chime, let’s hear this fantastic story as to why so many banks can do what you cannot. Pitiful.

It sucks that when you pay off your loan with them they don't give you another one. You have to wait 15 or more day for them to put your loan back. Chime you suck on that.

There are many things about Chime that are convenient and, for a while, I was very happy with the service. Recently, however, they have been paying charges I did not authorize. If a merchant has ever had access to your account, they will pay them again even if they are using a debit card that was cancelled and you intentionally did not give that merchant the new number. They lie about it too. And when you dispute the charge they uphold the transaction.

Would give 0 stars. Worthless financial platform for managing my Military Income that it's great getting my direct deposit 6 days early but my spending power is limited and seems to be controlled by Chime. Useless cards with continual denials. Also sudden unrequested replacement of cards, removal of online shopping payments, order cancelations, tons of health and home products my card won't approve. Money not being returned to account. Fake customer phone numbers. I'm losing up to $500.00 each and every month. ALL BANKS ROB US. FIX THIS SHITTY AMERICA.

Chime is Trash.!!! They just took money that was sent to me for food for me and my children because we ran out of food. I just recently started a new job and haven't been paid yet I have to wait 2 weeks. They claim they took it for a my pay - repayment that I KNOW 1000% I repaid months ago and DO NOT owe them.! Even so I was willing to pay it again and put the My Pay in good standing when I got my check as long as it didn’t happen again and become a regular thing where they’re acting like I didn’t pay them.

I called customer service today and when the agent didn't want to refund my money she just hung up on me! It is the second time it's happened to me! Money disappears and they can't explain where it went!

I opened a Chime account on 12/18/25 through a promotion they had with Branded Surveys. The promotion called for 2X points if a qualifying direct deposit was completed within 30 days following opening an account. Since my benefit is paid monthly, the earliest that my first deposit could be made was Feb. 1, 2026. I contacted Chime Customer Services (a direct phone call and with their AI Attendant) to explain/review the circumstances of the timing of my 1st deposit. I got nowhere with the 'live' discussion and the AI attendant advised that "I had 45 days to complete the deposit" in order to receive the promotion points. So, I completed Direct Deposit form, submitted it to one of my pension benefit financial services administrators and to sent a copy to Chime.

Chime are crooks. Allowed $780.00 to be stolen from my account. I evidently reported the fraudulent activity. I have yet to be refunded for my insured funds being stolen. There have been several class actions against them for this exact behavior. No customer service. Lack of professionalism. They do their own internal investigations.

By far the biggest bait and switch scam. False advertising at its best. Beware people. Joined Chime under the impression I get a bonus of 350 for switching and using this bank. Even after speaking to one of their employees I was assured my direct deposits qualified. Here were are 90+ days in. Still no bonus. Called them today. Now they making every excuse not and magically I no longer qualify for the promo like what. Next I’ll be filing a complaint with BBB and the attorney general consumer protection agency.

I disputed a charge for a product that I had ordered during the holidays. I provided proof that the website disappeared, and that I could not contact the merchant and did not receive my product. They denied my saying no error was made and told me I could submit new evidence anytime to appeal it. I will be looking for a new bank now one where I know if I get scammed I'm covered and can recover my money.

I had fraudulent charges on my Chime account. Someone had logged in from a completely different device in another state. I had proved I was not in that state at all, and that I was at work. I provided a police report, documentation, and got denied 9 times. It was blatantly fraud. They just do not want to reimburse my stolen funds. They took all of my Direct deposit and Savings in seconds, and the bank is not willing to do anything. I have never had such a negative experience with a bank before.

I am on SSI, my check post monthly, you can borrow money that gets paid back from your pay and your credit is supposed to raise. Beware it's a trick. Your check is 1000. You borrow 300, your credit is supposed to raise, you expect it, but now it's lowered 100 dollars. Now if you add your money up, they get repaid the 300 but gives you 200 back. You're not getting your full check you made back, you're missing 100$. They say the computer can change what you can get up to whenever it wants to huh? Then they tell you that wasn't your money it's theirs! Huh? You worked and made that money. There's no fee for an advance, but $2 how is over 100, taken and can't be replaced!!! Upset customer!

Chime us the worst!!! They advise me that someone wants to take money, they canceled that transaction but they still withdraw my $100 instead of putting back my money, I had to disputed my own money, conclusion they denied to give me back my money. They took it. I called to customer service and they had no solution to it. Please take your money back.

Horrible, unhelpful customer service! You can't get you a real person unless you go through a million hoops hour in finally you get to a person and then they just try to give you the runaround if you don't know (like they try to tell me the $100 hold that the gas station puts on everybody's card when you first run it until you're done fueling was its own charge until I told every gas station does that until you're done fueling) then once they see I know what I was talking about then it was like oh oh I see that now sorry... They don't want to help you!

Please, please don’t make the Chime bank mistake that I did. I’m never side with the customers if there’s a dispute like when the ATM doesn’t give you enough money. They always side with the ATM Ricart /less B/ that you could have video confirmation and people there to say that the ATM didn’t give you enough money.. Their customer service is worthless. It’s a call center overseas somewhere and you have to interact with an AI chatbot before you can even speak to a human being.. I thought putting money in a bank was a way of saving it, but chime will just give my money away to anybody no problem.

Chime has stolen and blocked a me from a account that I didn't know that funds were placed into and chime quickly opened another account not informed me of any information about the other account. Also over the years have been dishonest with me some details about things. I'm definitely logging for seniors who has been taken advantage of by chime.

Chime stole money from my account when I tried to confront them they said talk to dispute dept so I did and they didn't help me. So my money was stolen by Chime, do not deposit with them, do not bank with them, they just like to steal from you then lie about it, try to tell you it's all your fault

I noticed that scammers using fake emails and fake names. Such as. David **. Who is on scams sites. And the email was Ryan. Wanted me to share my Chime screen as tondep money. Little did they know. I said I couldn't share. He said press this button, I did opposite. No info for him and blocked them.

I have filed two claims from my account. I called customer service and they said do not worry about it because it's pending and will not be taken out of my account. As soon as I saw money being taken out of my account I called and reported. They approved one and denied the other and it's from the same company. They asked about documentation but how can you show proof if you have nothing but what a screenshot of it being in your account taken out. I do not recommend Chime. They don't care about their customers or want to help resolve the problem.

This Chime business is the worst, you people be very careful with Chime. They allow other merchants to withdraw money without authorizations making you freeze your card, and steal your money, I'm just going through this problem. Don't bank with Chime. You will lose your money..

On December 20, 2025 I had $180 stolen from my checking account via ATM. I called to notify of the theft and was told to submit documentation to prove it wasn't me. After 4 times being declined, after submitting pictures of the guy who got into my account, record of my time card showing I was working, and a police report stating he tried 10 other cards with some success, I'm still getting the run around. I DO NOT recommend this company. I have NEVER had issues like this from a bank. I will be closing my account as soon as I get my money back.

Chime is absolutely the worst bank ever. They tell you how much of your money you’re allowed to spend and will not correct that situation. I just tried to buy a car and they made it absolutely impossible. I’m gonna close my account and never go through Chime again. I suggest you do the same. They’re a complete waste of time.. 👎👎👎 All thumbs down. I wish I would’ve never wasted my time with chime.!!

Do not use Chime! My daughter had a horrible experience. She bought a house and requested a check for closing, 2 weeks later no check! Customer service was horrible! Had to deal with several that couldn’t speak proper English and finally a supervisor wouldn’t stop talking, couldn’t give me any information on when check went out and then hung up. Lesson learned here, DO NOT USE CHIME OR ANY ONLINE BANKING. Excessive fees for wire transfers and can only do $2,000 at a time! She will be closing her account and going with a local bank from now on!

Fraudulent charges or purchases. I used a company advertised heavily on Facebook to purchase clothes. 5 weeks later the item is still sitting in China. Tried to cancel and get my funds back. Customer service was no help. They bounce you around the departments just to waste your time as nobody helps you any different than the first person you speak to. They charged me 50.00 for a debit card . Everything is ran off direct deposit which my employer doesn’t offer ( I know 2026 ). Honestly having a small fee monthly from other banks provides 100% better customer service and options.

Chime is the worst company ever. The customer services can and are very rude. Refuse to let you speak to a supervisor. They hold onto pending transaction. This is very disappointing. It's always an issue.

Horrific experience! These people couldn't care less about anything having to do with your money. I filed a dispute over $71 and can get NO INFO in any way from Chime. As it turns out, a week later they have yet to even contact the merchant who took my money and didn't ship my item. I am told, after repeatedly pressing them for info that NEVER materializes, that it will take 90 days for resolution. REALLY? This "merchant" as it turns out has NO working phone number, the advertised CHAT doesn't exist and the canned response from them is the same no matter the email contents sent...AND CHIME HAS YET TO FIGURE OUT THIS IS A SCAM! PATHETIC! LEAVING CHIME ASAP!

Chime is the worst bank ever. I had a friend send me money and the same my money was stolen. I sent a police report and they still denied me. Lucky I didn’t put my direct deposited on this bank. My advice PayPal is better with fraud.

I've been using computer before Windows was even created when it was only Dos and I used to create manual websites. Believe me Chime should be shut down. It's the most idiotic stupidest website in the galaxy, not even on Earth. I don't think there's any Galaxy could ever have her more stupider app than chime. I definitely think they're stupider than a kindergarten, not even a third grader.

Horrible. Do not trust Chime. They let people use my account in another state and I did not authorize the charges and I called the same day charges were made. They never helped me, never refunded my money. Do not trust Chime!

This bank should be your last possible option. If you're able to go to a brick and mortar like PNC, Chase, Bank of America, etc, etc. You should do that. Just like the review right under me. I tried to deposit a state issued treasury check and they rejected it. I tried to call and ask why they rejected it and they will not tell me. They said for security reasons your check was rejected. I said that makes no sense and they wouldn't tell me why.

I been trying to deposit online my check twice. A legit check from the company I been working for years and from a credible legit bank. It’s been rejected or denied for no reason and when I reach out to customer service, they don’t have an answer or specific reason for denying my deposits. They rather come up with excuses instead of a solution.

Please use the other apps. This one is outdated which is sad since they have been around for a while. Download Venmo, SoFi, Varo, OnePay, PayPal or any others in my opinion. Chime is trash these days. They are unable to get my card working on the app and I cannot even use my money. Worthless.

NEVER have I EVER had a problem with my direct deposit until THIS YEAR. My FIRST paycheck I was supposed to receive on the 2nd. I waited until Monday and called and was told to wait 1-2 BUSINESS days for the deposit. IT IS NOW WEDNESDAY and STILL nothing. I call again and they tell me I have to wait 4 BUSINESS DAYS! WHAT KIND OF BS IS THAT!? They said funds from the company I work for wasn't released yet the owner checked the bank and the money HAS ALREADY BEEN SENT. CHIME IS REALLY TRYING TO ROB ME! They said I have to wait until tomorrow and if I don't get my money then to call again and then they will escalate the matter. DO NOT GET CHIME. STAY WITH A REGULAR BANK. At least everyone else got paid, NOT ME.

Chime may have benefits but with customer service based out of China and connect it up with other countries I don’t care for that. Two different times had to connect with Chime via phone and the calls were identified as being routed in coming from China and another country that they transferred me to. I do understand labor, and profit with hiring people from other countries, but I do not want my financial information connected up with China financial customer service. That was a total shock when my iPhone caller identification with two customer service reps came back listed this China's.

Chime was ok .. until they denied my dispute for charges that I clearly did not make.. I thought that since I was locked out of my account that nobody else could get my account. Not so. Almost almost $400 in charges while my account was locked up.

Zero financial protection. Poor customer service. You can file a dispute, it’ll take you an hour on the phone with someone who has no clue about banking, and within 24 hours they’ll deny your dispute and say no error happened. The 1st time, I thought maybe was my mistake and let it go. But after a 2nd time and losing out on hundreds of dollars I did not authorize, I closed my accounts with them. Customer service will tell you it’ll take 5 business days to close the account and that transactions can still go through, including unauthorized ones. Don’t let them scam you! I demanded the accounts be closed immediately and sure enough, they closed them immediately, not 5 business days. Pay attention to the words they say, speak up for yourself and don’t let them allow you to be scammed and taken advantage of financially.

Would recommend transitions for account deletion in the app or online. Having to call an outsourced call center with trouble understanding and being pressure on a account decision is not good customer service. One employee got my name wrong. The other forgot to mute herself to have side a conversation with her co worker. I signed up for Chime, never used it and will probably not be using it in any foreseeable future.

Chime is bs. They're liars. I get paid every 2 weeks and they're saying my next direct deposit is January 12th. That's not accurate. Not just that. They have my employer down as disability. How is that possible. I want Chime shut down. Not just that. We don't get paid 2 days early. My Pay was sent off 3 days ago and I have gotten paid on weekends before.

Do not get scammed by Chime. They have no customer service. Charge for everything. Will not try to help in any way whatsoever if you have a problem. If your card get hacked I'm sure they would fight tooth and nail to not give money back. Chime Should be shut down. Not legally allowed to be in charge of any finances for anyone.

I loved Chime until I had a problem. I never ordered a titanium card yet I was charged for it. I only ordered a black plastic card when I received it and activated it, I was charged $54.19 upon activation and now another card (titanium) which I never ordered is on the way. It doesn't make sense for me to now have 3 cards with accounts checking and saving. All I was trying to do was consolidate my credit builder and checking into one card. No one has helped me I've been on hold for hours getting transferred from one department to the next. I've been hung up on twice. Chime is not taking accountability for their mistakes. I never ordered this card and all I want is them to cancel this stupid card and give me my money back.

Set up the Chime account and it asks if I want want I card. I respond NO. The next screen says the card is on its way and will not allow you set up the account without it. I do not want the card because there on average over 100 complaints with the BBB on fraudulent charges and not refunds are issued by CHIME. I conversed with "DJ" in customer service and he insisted the card number can not be cancelled and just don't activate it. Any other bank would just cancel card number.

My email account was hacked and watched 850 dollars get taken from me. Put a investigation in with them and 24 hours later was denied. This app is is full of lies. Don't use this, it is corrupt, you lose your money you're out of luck.

Don't cash a check with Chime, especially if in any hurry to spend that money. I think it would have been nice to tell a person that you intended on holding a person's funds for over a week BEFORE you tell them to sign the back of the check "For mobile deposit to Chime account only". Cause if you would have, I would have cashed it somewhere... anywhere else. Like most of us have so much money that waiting more than a week to get our funds is no big deal. Absolutely ignorant that you couldn't tell someone about that & give them the chance to change their mind BEFORE making sure they couldn't cash the check somewhere else. Inconsiderate pigs.

I wouldn't even give them one star. The worst business I have ever dealt with. Do not trust them with your money. My card eas stolen and used and I called immediately as I was on the phone charges were going through. I was at work freaking out that my money was disappearing and I was on the phone with customer services saying they couldn't do anything about it because the charges were processing. I had to wait days to call back as each transaction went through. Then was told that my Disputes were denied because of numbers they ran show that I have been to those places.

Chime holds deposits and or refunds too much just so they can gain the benefits from them. Do not bank with chime if you want to see your refunds and deposits in a timely manner. They are under investigation.

A friend sent me $20 to my Chime account so I can buy some food. I am homeless and I have not eaten in 2 days, going on three. After my friend sent me the money for food, Chime took my $20. I called to try to get my money back so I can buy some food and despite what I told them, they still said no and kept my money. So now I am still homeless and hungry with no food and my money took by Chime. As of right now, I will no longer be a customer to Chime for their lack of compassion and treatment towards me behind this situation. All I am trying to do is buy some food so I can eat.

I am beyond frustrated with Chime and feel compelled to speak up about the way I’ve been treated. Their supervisors repeatedly hung up on me, gave me false information, and kept sending me in circles instead of actually helping. I trusted Chime with my money, and now they’ve taken it while providing zero support. This experience has shown me that Chime is not a company that can be trusted, and their customer service is completely unacceptable. I expect immediate resolution and a clear explanation, because this treatment is not just frustrating—it’s unprofessional and wrong.

I’ve been with these morons for years and just had a payment rejected because I don’t have overdraft protection because I don’t have direct deposit! I’m self-employed so I can’t get direct deposit, so they discriminate against me! Every bank I use has overdraft protection, except these morons! Worthless bank! I’m done using your shit bank!

I received a bonus for opening a Chime checking account. It required direct deposit and debit card activation to qualify for this bonus. I met both the requirements, but they sent the debit card to the wrong address the first time and didn't have the expedited option. It took two weeks after requesting the replacement to arrive. Now they say I am not qualified for the offer because the card should have been activated within 14 days of receiving the first direct deposit! I said it is not my fault that Chime sent it to the wrong address the first time, and the supervisor said nothing can be done, and manual adjustment cannot be made either.

I got denied twice on a unauthorized ATM transaction dispute even with police, the first dispute and second dispute both ended in three to five days with Chime saying that there isn't any errors that took place and that there isn't anything they can. All this took place on November 28th at 4:37pm when I was at work and the transaction took place 17 miles away from my job and you would think a police report would change the outcome and it didn't any other financial institution that I have dealt with would have given me a credit while the investigation takes place which is usually 14 days to five months. I have already filed a complaint with the Consumer Finance Protection and the FTC along with making complaints to Denver 7 investigates and troubleshooter Tom Martino.

Chime claimed there was suspicious activity on my card and limited its account use. I called customer service and informed them the activity was legitimate. They said that since it was an automated limitation through their system that it could take up to 48 hours to reinstate full use. I waited the 48 hours and received a message saying the limitation was removed only for another message immediately indicating that my account was once again being limited due to suspicious activity. No new activity had taken place since the original limitation, so I called customer service only to be told again it could be up to 48 hours for the limitation to be released.

My problem is Mypay. My direct deposit could be over $1500. The credit limit to the mypay should be $500. There is times that the direct deposit is fifteen hundred and they would drop the credit limit to $360. Which is taking a $140 away from the limit. When I get paid, I asked them, why did the limit change. Customer representatives give me different reasons. Every time I ask this question, I asked a supervisor to explain to me. The supervisor gives me a whole another reason of why this balance changes, my point is, the representatives do not tell you the same thing. They will get frustrated with your questions because they do not know how to answer them. And they will all start to lie to me.

I created a Chime account about a month ago to fulfill a transaction. The other person had Chime available, but I ended up being scammed and of course, nothing could be done. Chime sends me an email telling me they closed my account due to a review. Okay, good, I don't need your account anyway. A review??? I was scammed using your card and nothing could be done on your end. I've accepted that and moved on.

I wish I could give a negative 0. I will be closing my account and my husband account and my kids will be closing also. It’s a shame you can’t transfer money back to the person who sent the money to you, add your bank info and debit card to transfer money and it still doesn’t allow you to. I will be telling friends and family to do reviews, also bad business and report them to Better Business Bureau. Terrible company, bad attitudes when it’s our money that keeps your business open.

I just picked up a check for 200k from my lawyer and was going to deposit into my Chime account. I already have several thousand dollars in my account as well as my direct deposits. I had recently disputed a charge for 30.00 for a charge in which I received nothing and was told I would be refunded. Chime chose not to give me my money so as a result I deposited the check in another account at another bank and will be moving my funds and direct deposits and closing my accounts with Chime in the next few days. For $30? They lost 250k in business. I do hope it was worth it!

I have been with Chime over three years. I have had negative experiences with their customer service. There’s nothing was a charge on my account for over $150 to Door Dash. I called Chime and was told I have to wait for it to be charged before I can file a dispute. Thus is ridiculous and they are difficult to reach. I tried for several days to get through!

Close to $2000 is missing from my account and I haven’t been able to successfully speak with a live person for more than 30 seconds. They say they will put me on a brief hold to review my account and then I don’t hear back from them ever. I’ve literally waited on the phone for over 30 minutes twice.

My ex wife experience fraud of almost $400. They denied her dispute and appeal. It was clearly fraud. She had to issue a complaint with the government to finally get anywhere. We both closed our accounts. I wasn't going to give them a chance to do that to me. Scroll the negative Google Play reviews and you will see many similar stories.

On November 15th 2025 my account was apparently hacked from Dothan, AL and Chime allowed them to empty my checking, change personal information, and take out a advance/loan for 282.00 dollars for a total of 1,552.00 dollars in 5 minutes or less and then denied 3 disputes claiming that because it was through pay anyone that it couldn't be hacking and told me I was a lying.

I've been hacked. All of my money gone. They are the worst company I have ever dealt with. They are doing absolutely nothing for me my life is over because of this piece of shit company allowed someone to access all of my accounts. They are a bunch of morons screwing everyone out of their money. Someone needs to shut them down.

Chime is not easy to use and does not have good customer service. Tried to withdraw 20$ of my money from 3 of their in-network atms to no avail. Wasted 30 min of my time and gas. Then I went to my bank Wells Fargo and withdrew the 20- I knew that WF would charge 3$ to do so. But I had no idea that Chime would also charge $2.50 out of network fees on top of that- and I COULD NOT find an operable Chime atm. So I called customer service requesting, after I explained to them what happened, a reimbursement on their end (Chime’s) for the $2.50 out-of-network fee. (It’s the principle of it).They said, “that’s not possible.” Asked for the supervisor. After explaining it all again, she said an atm reimbursement on Chime’s end is “not possible.” For an online bank? In such a situation? Not good.

They stole my direct deposit and won't give it back!!!! Was taken from my account, disputed 2 times...with a police report and still denied....along with other monies taken, disputed, and denied! WORST BANK EVER!!!!

Overall my experience has been awful. This has not helped my credit at all. I consistently lose one point every month from Chime. The Chime plus is horrible. My employer is all over the place. Sometimes he doesn’t do the direct deposit in time so we get checks. I will deposit the checks directly onto chime under payroll provider and still lose the chime plus benefits. The spot me doesn’t work half the time. Even though chime is horrible it is still better than all banks. I would pick chime over Wells Fargo any day of the week. At least on chime I can withdraw all of my money without any reason.

I've been with Chime for 7 years. When it comes to something as real as credit card info getting stolen. After dealing with unauthorized charges on my account and how chime handled the entire situation, I will not be dealing with them anymore.

Chime is bad business partner. Choose others..current customer complete, unsatisfactory..they actually created a jam for me and refused to fix the problem. Bad business. I spoke with them multiple times and they absolutely refused to fix the problem they actually created..Edward ** honest reviewer..thank you.

Would have gone lower if I could, it's gotten to the point where there's at least one major issue every week. This week they have only allowed me 190 dollars out of my 550 dollar paycheck, I can't pay bills or grocery shop because of this, haven't eaten in multiple days, can't go shopping until this is resolved. They just keep telling me I should hear from engineering within 24-48 hours. Their idea of "helping" is just saying wait longer wait longer. Worst bank I've ever had.

The customer service has people that you can't understand and that don't do their job trying this good but customer service is terrible. They have a bunch of foreigners that you can't understand. This has been a problem with a lot of businesses but Chime should be ashamed of a self having people that hang up on their customer and then when you try to call and complain they don't answer.

Tried to transfer from Chime to Bank of America and the transfer button was greyed out. My account was linked and relinked properly, both with sufficient funds. I swear this Chime is the most useless, worthless app there is. I will never use this trash app again.

Please do NOT use Chime, because there are lot of fraudsters on this platform. My example is the latest. (12/27/2025) I was asked to pay $90.00 for a rental application REFUNDABLE fee. When I expressed that I am no longer renting the property, the scammer just disappeared. Due to a lot of regulatory and compliance reasons, I can not share other details. But if you are from law enforcement etc. I am ready to share every detail.

I just get a notification from time saying someone attempted to use my card for an $80 purchase, ask me if did I make the purchase, I said no, they said no funds have been taken out your account and it has been blocked talking about the purchase. When in fact the funds were taken out my account. Now they can't issue a temporary credit till December the 11th. Chime is a joke!

Horrible. Just the worst. Your money is not secure for scams. They will not investigate or even look into the matter that (KATIE.B.) another Chime member stole and scammed from me. They say absolutely nothing they can do. YOUR MONEY IS NOT SECURE WITH THIS ONLINE BANKING COMPANY.

Customer service full of ID thieves, hackers, Whenever they wants find out a excuse and make the amount and account disappear.. And they will blame. And they will not take any complaint, and customer service not going to talk with manager or supervisors. They can do anything about us but we can't do nothing about them.

Chime Bank did not put recent transactions on apps for customers and they take out $34.00 of the account and not post it on the account. It leaves a very small balance on the account. They don't want the customer to know how much they took out that is why they don't keep up with recent transactions. The transactions are on the computer but not on the customer's mobile app.

Do not use Chime under no circumstances. If your card or phone is stolen and used to make fraudulent purchases, Chime will ask you to file a dispute, then deny the dispute. No matter what proof you provide, example: police report, merchant statement, time cards to show you were in at work. Chime will not replace stolen funds. It is not FDIC insured, therefore replacing funds would come out of their profit.

June 2 2023. I was locked on. Was released on Nov 3 2025 v Chime bank let someone access my account. Change my email, password, phone number, address, and etc. They withdraw money from account during this time. I still had and have my VA benefits direct deposit going to account the whole time. When released Nov 2 2025. I contacted chime to see if account was still active which it was with the direct deposit even month. Could not log in. Everything was change. Chime then let me do a dispute for authorize charges. Then transferred me to get account put back in my name. Today is Nov 21. For the last 16 days I've tried to gain access. Sent my Government photo ID from Veteran administration. Chime tells me only accept State ID or passport. That my Government issues ID isn't real. Chime support emailed on Nov 20 to contact them again. They gonna work with me to gain access.

Worst Customer sevice EVER. My account was hacked. Chime reps. are nearly impossible to understand, their English is so poor. 1st call: I kept asking this rep. to slow down and speak clearly, was told I was being abusive. I could not understand her and starting asking for a supervisor. I am not hard of hearing nor am I stupid. She never filed my dispute. 2 weeks later no money was back in my account so I called them again. 2nd call: Got them to file the dispute. Still got an auto-response two days later telling me the dispute was closed, not in my favor. 3rd call: They wanted more info.. I didn't have any just wanted to appeal. They don't let you explain anything, I sent them a screenshot of the illegally made w/d. Again, auto-declined two days later. 4th call: They said they would re-open the case. Sent me an email link to submit more information. The link sent me to an error page. 5th call: they sent me the wrong link again.

I use to have great things to say about Chime, not so much anymore. My dad and I both have chime. He had some fraud on his acct and lost $710. So he did the obvious thing and filed a dispute. After two days they emailed him and told him, mostly nothing other than dispute was closed and he will NOT be getting his money back! Him and I called chime together to get more details. He is 84 years old and doesn't hear so well. Trying to make this brief, after being passed onto 6 different associates, two of them saying we could reopen dispute, clearly a lie, us having to explain the ENTIRE situation to each employee, the last associate hung up on us!

I've been completely flipped upside down and had someone steal my identity. My phone even with two step verification they didn't need to show identification to steal my money change my passwords and ruin my life through my Chime banking account. I was incarcerated August 25th. Since then my phone my home my life has been destroyed. When I got out of jail I had a letter which is proof of incarcerations. I want to open my chime account and found that my password has been changed. Then got in touch with customer service and they told me that I needed to upload some ID to prove I was the proprietor of the account. I showed that the last transaction where my funds were coming from my pin email address everything being incarcerated and having my personal property stolen which is my phone which had access to my mobile banking. I did not have identification cause it was stolen.

I'm actually disappointed with Chime because they allowed another bank to come in and take from my account. I was opted to pay my rent by my landlord through an account with Chase Bank. I went into one their branches and swiped my card only to find my account in the negative for $1446 in which my transaction was only for $760 plus a $10 card fee since I didn't have an account with their bank. I called Chime and explained everything just for the representatives to take forever to put my dispute through and incomplete as to where I had to file two different disputes. I was in the negative and broke and couldn't get to work. My daughter whom us also with Chime unknowingly sent me $200 to help me and it was also taken due to my account being negative. They sent me an email that I would be credited until the issue is resolved but if it's not I will have to pay it back.

My fiancé used his Chime card to send money for a house and we got scammed. Now, Chime is telling us we can not get our money back since it was a cash purchase. This is ridiculous. I will never use Chime again at least Cash App will help you and get your money back.

So I don't recommend chime. They advertise that you get $500 of your pay. Which IS NOT TRUE. Chime gets two of my full direct deposits and they get my mobile deposits from other accounts. Now from my part time job. They will let me reborrow my check right back. From my main check. They only give a $80 limit and it has to to build up $40 a day which puts you behind. It wasn't like this always. They changed it. When I spoke to a live agent about the situation. She did nothing and told me thanks for my business.

I have used Chime since 2019. There were no issues and I really enjoyed the services received. Over the past year and a half I have experience many fraudulent transactions from both the Credit Builder card and the Checking account. The last straw came when someone stole the virtual card number and made an order through Ulta. Chime refused my dispute and I have closed the account and never will come back to them. I see that no one gets their disputes resolved.

Updated on 12/28/2025: I've been having problems with Chime. Since 2021 I've been trying to find out where my funds went and they keep telling me my funds went into South Dakota safekeepings. I checked it out and there is no funds of mine in South Dakota of safekeeping. I call customer service several times. They gave me the same answer then they finally tell me my funds are not available to take out. I asked a question why they don't give me no answer. The same question the same answer. I asked a question about the C11 agreement. They don't know nothing about it. I asked him why did somebody dive into my account and take my money out and put it into another place. They have no answer. Poor service. Poor knowledge about my status. They know nothing. They do nothing. They don't help me out with this situation. They say they're going to help me and they don't.

Someone hacked my account and stole over 5 grand from my account. Chime keeps saying they are investigating the issue. But they keep denying my claim to get my money back. I keep trying and trying to reopen the claim but they keep saying it’s nothing they can do. But all I want is my money. This was my kids' Christmas money. That’s all I wanted was for them to have a good Christmas for once.

After four years with Chime, I'll be closing my account. This is the second time I've had fraudulent activity, and Chime refuses to help. It was only $60, but today that's a lot of money to me. I also noticed a large lawsuit filed against them.

If I could give them a “0” I would. This has been a nightmare dealing with this and for the life of me I can’t figure out why. I can’t give money to anyone, I can send money to myself. The only thing that worked, and I have been dealing with this for 2 hours, is transfer thru Apple Pay to Chime. Of course that worked. However when I tried to pay with the Chime checking that I just put money into, it wouldn’t let me pay. So, I need that money to go to my payee, I tried transferring the money back from Chime checking to my debit card on file with Chime. Not only are they charging me to do that but I need a verification code. I enter the verification code and the whole thing still will not work. Have have lost money to this company and at this point I don’t know if I will ever see it again. NEVER AGAIN WILL I USE THIS APP. BEING DELETED IMMEDIATELY!! You don’t play with people hard earned money like that.

I am very happy with my Chime app. I left a bad review because I was having trouble getting my money transferred to another bank, but I realize it was user error. They were fast with no feet dragging. I was very happy. My initial review was a rush to judgment and after further consideration, I gave them five stars.

I have been with Chime for 5 years. I have had Spot Me and My Pay. I recently used another direct deposit site for 2 cycles as I am in a nursing home and had to have my social security check deposited there for 2 cycles. I switched it back to Chime and now they tell me I’m not eligible for my pay. But in the my pay agreement section section 6c it says you only need 1 government direct deposit in the last 36 days to be eligible for my pay. Well the last time I checked social security was government. Check my account. My pay was always paid back on time. I am currently looking for another bank that wants to have my money. And telling me I am confused is an insult as the 2 previous people agreed with me and sent our conversation off to the review team. They escalated it. Sound familiar?

I have been completely robbed by Chime. Unauthorized charges all of the time, out of nowhere a so called "repayment" I did not owe came out of my account and they refuse to put the money back. In the last 9 months, they have taken over $1200 in Unauthorized payments to companies I don't do business with. I'm shredding the cards. I'm alerting everybody I can think of. DO NOT USE CHIME. THEY WILL TAKE YOUR MONEY WITHOUT WARNING AND WITHOUT AUTHORIZATION.

Worst bank ever, steer clear on using this bank. I’ve been scammed multiple times and they will not refund you unless you go to the police station in your area and file a report. They do not release your money quickly when you write a check or make a transaction.

They do not return money that was fraudulent taken from your account. I have provided them with so much proof of what I'm going through, police report number, all the other reports I filed. How other accounts were frauded. My victim witness worker and they still refuse to return my money. I am not done fighting this. I shouldn't be punished for money I didn't spend.

An account was open in my name and shipped to the South (I live in the Mountain West). When I called customer service to understand how this could happen, I spent an hour on hold only to receive a vague email that they "We have reviewed the information that you provided and have taken appropriate action to stop any further activity if any unauthorized accounts were identified." When I asked to speak to a manager who might be able to expand what "appropriate action' meant, I was told they wouldn't be able to provide any information and was hung up on. When I called back, I was told I could file a police report and again hung up on me. My credit was frozen on all three credit bureaus. Thanks to the government shut down I wasn't able to file a report with FTC.

On October 25, 2025, multiple unauthorized transfers totaling $398.52 were made from my Chime Spending Account. October 25, 2025, I received an email alert that someone logged into my account from Brunswick, Maine, a location where I have never been. Shortly after that alert I received email notifications of multiple transactions I did not authorize. l immediately called Chime to dispute the transactions. While waiting for an agent l ultimately accessed my account using Face ID and confirmed the unauthorized transfers. I then verbally provided Chime with proof of the out-of-state login and unauthorized transfers over the phone to submit dispute. Immediately after filing the dispute, by phone, I was walked through changing my password.

Do not bank with Chime. Someone hacked my account and they are not doing anything about. DON'T BANK WITH CHIME BANKING. Customer service, can't ever get a American on the the phone, all Indian folks, with all kind of background noise. They are scamming everyone. It might not be today for y'all but it's coming.

Horrible Customer service experience. After 5 yrs of banking with them- I spent 2 hrs on the phone to get Nothing accompanied- Besides the language barrier- They don't care about your issues just completing their script. I had unauthorized transactions and needed my money back to get to work and they didn't care. They left on hold- the supervisor even threw me back into the queue (the telephone holding system) instead of trying to hèlp me. Then they just leave you on hold in hopes of you just hanging up. I'm so disgusted with them- I don't know what to do. I wonder if they treated me like that because they could tell I was **.... I wonder if their ** customers have this type problems.

This Chime bank is very bad for business, they don't dispute transactions, they won't reimburse your money back no matter how large or small the amount is, they won't help customers, they are highway robbery, like to rip people off and allow other companies to get away with taking people's money... This bank is so discombobulated, and screwed up. I don't recommend nobody to open up an account with these evil people. They suck so bad. Make your ass cheeks fall off your body with booboo...

I have been a Chime member for a little under a year and appreciate the spot me features and the advance on pay. These are very helpful. Outside of that this company is a prime example when a company emphasizes on profit and not service. Not being able to talk to a human being is terrible and demoralizing. I hate the fact that I have to talk to a A.I. BOT instead of a actual human here in the states.

Someone stole money from my son in law's account. He didn't get a notification about the money being taken out of the account. The customer service isn't helping. They said I might not get the money back. I wish I couldn't leave a star at all.. beware.. do not use this company.

Chime Bank could not provide me a copy of a cashed check. The check was cashed on their end but other bank didn’t get it. So I had to call Chime 36 times in 16 days, the agents continued to either push me off to wait for email or they just hung up on me. I still have not received email with copy of check although every time I speak to agent, they say 24 hours. It’s been 2 weeks now. Please do not use this bank.

Not sure yet if it's a Chime problem or Social Security office, I got a letter stating I would get a check on 3rd of the month, 3rd Wednesday of the month and 4th Wednesday of the month, Aug 5th I received my back pay, 4th Wednesday of August a check, September 30th a check and this month nothing yet, I noticed several motel pending charges for a motel I stayed at called Sol, for different amount like $318. Or $388. But I paid $448 was the actually price, same stores 4 or 5 times a day. Not sure.

I was overcharged by a motel in Illinois, didn’t have enough in my account when the new charges came through, Chime took money out of my other accounts to cover the fraudulent charges, when I complained, they reviewed it, after 6 weeks, they said it was legal for a motel own by foreigners was legal and Chime sided with them.

I cannot believe that these people stole my husband's money! I referred him to Chime years ago and due to his needing and upgrade for his phone and refuses to get one due to chime wanting to make him get one. He has decided not to get one. He closed his account. It is almost 4 months or 3 and 1/2 that they have been promising to send him his money! That is beyond ridiculous! Every single representative lies to him telling him it was mailed out. He will get it in 5 to 7 days. Then it was 10 days now. Believe it or not it's 30 days. I am actually thinking of closing my account and my direct deposit because this unconscionable! My husband has brain cancer and these people have lied to him from day one. They should all be fired! I wish I could give them a zero. They are horrible! And I hope everyone reads this too. This is beyond evil!

My husband was trying to send money through Chime. The website did not tell him he was ordering a metal card and that it was going to charge me (not my husband) $53.63 for the card. We could not figure out why our Chime account was less than what we put in. I called Chime and they said I bought a card. I told the lady I did not want a card! She said the order was put in immediately when my husband was trying to figure out how to send money through Chime and there was no way my money could be refunded. Another problem is that they are the company that had my money so they could take out what they wanted and I have no one to complain to.

As a bank great! Customer Service and Referral bonuses are a fraud. My mother signed up using my link approximately a month ago. She was informed there was an account started July 2020. My mother had no knowledge of the account. The woman then told her that account was deleted and the Sept 2025 was created using my link and once all qualifications are met we would receive the bonus. She received her deposit so we called. We were told she had to activate her card. She never received one. They mailed another out. We were told soon as she activated we would get our bonus. She activated it today. She called and was told 3 to 5 days.

Time has been good. I've been till I needed to reset my password and they talk to me like I was stupid and didn't have a clue about how to reset a password or even take the steps. They treated me as if I was completely stupid and I didn't like it. I hung up on them twice. Finally I figured out how to reset my password myself and I did without any help from Chime customer service. I figured out the solution myself because unlike the customer service at time I am an intelligent woman who can figure things out and I did not appreciate being talked to like I was dumb and stupid and had not taken the necessary steps to do my best to reset my password

Chime is very convenient when it comes to just needing to get some money and spread it around however if you are on subsidized housing they will manipulate and make everything that you do difficult. The state requires a verification process. They have refused to do it twice leaving me very vulnerable to lose my housing voucher. That's just how the process works. They have to verify. They keep claiming that they don't verify nothing with all of the other banks do. I had to do it in the beginning and I have to do it every so often in order to keep my housing. I tried to speak with someone, they gave me an AI instead of a person. The AI sounded like a person but didn't make any sense except repeating herself over and over again. They don't respond to emails. They do not respond to faxes. Calling them you will only speak to an AI chatbot. After the government shutdown is over I plan on leaving and eventually closing my childhood.

I have been with Chime for over 5 yrs with direct deposit and just recently got a $200 advance but I am issued like a kid getting allowance. Each day get $9 to 13 in Mypay but I have to wait until it's $20 in order to withdraw. If I want it instantly they charge me $2 and when I withdraw the $20 it start all over until it reaches $20 again. They take their money out all at once when direct deposit comes in but I have to be issued money I'm paying back. Mypay and chime is a joke and the referral I'm only with chime because I get my check so early. Believe me. I'm looking for better Chime. 👎🏿👎🏿👎🏿👎🏿

Don't do it. Save yourself...they have no concept of what is customer service. Makes it worse is the fact that so called supervisor/manager don't know what the ** they're doing. So bad banking system. Bad customer service. Can't get help... Run. Run.

DO NOT BANK WITH THIS COMPANY! They sell your information! I was scammed out of $8,500 by a person that claimed to be a Chime Representative stopping fraud on my account. They had my social, address, and account number. I called chime right after it happened and they said they would investigate the fraud once the charges on my account went through. They denied all of my claims and I received no money back. This money was for my child's college tuition for the first term. He is no longer able to attend college because we can no longer afford it. The checking account that you open with Chime is NOT FDIC insured!!!!! Also, all of their staff is not from the United States and they are very hard to understand on the phone.

Chime is definitely the best mobile app banking that I've ever had! I don't know why this wasn't available years ago. When I'm out of money in my checking account I can grab my phone and instantly refill it from my savings right there at the register! I can lock either account with one touch. Me personally I've never experienced any issues with Chime. I consider them the best!!!

I am a seventy year old woman with an account with Chime. Someone charged Google games using my account. It wasn't me, I have no idea how to even get to google games. The charges totaled over $1,000. I reported that I didn't do it, provided tons of information, fought them for a month with them deciding they had no accountability. After my neighbor did some research he found that there were thousands of consumer complaints about Chime refusing to credit accounts from fraudulent charges. They suck!

Up until the Mypay situation, I was okay with Chime. My mypay isn't increasing and they keep disconnecting my payroll provider. No payments missed and two year employment and direct deposits. I called and got the runaround. Sad.

I have had Chime for almost 4 years now. It offers 1-2 day early deposit from your job. Well while my co workers got theirs a day early mine never came until payday. That's strike 1! Then they play with you with the spot me. For instance last night I had 40 in spot me. I wake up to nothing in spot me as they say I didn't have a direct deposit of 200 or more. And you I just got a deposit of 500 yesterday. I earned those spot me's from what my friends sent me for the month as I sent my friends their spot me's boost. And my funds were released to Chime Thursday of last week and had to wait until Tuesday late afternoon just to get my deposit. I do NOT recommend Chime to anyone. Especially someone trying to build their credit.

I called for a replacement card. Completed the process. Produced a virtual told me it takes 3 to 7 business days. 4 weeks later, I am calling back. Only to find out they never put it in. Then the dumb supervisor lady asking, "Do you still want me to order." Suppose to been paid on Monday, pushed it to Tuesday... Didn't get my funds till Wednesday. Sad and distasteful.

Man chime is horrible. They are holding my money hostage from a hotel deposit from 8 days and not only that they called the hotel to find out if the merchant released the money. They told them yes and still no $.

My name is Sara **. I am a 73 yr old retiree, and I receive social security retirement benefits to My chime account.. I recently transferred my benefits to this bank because I trusted my money would be safe. On June 23rd, My account was cleaned out, and Used on various transactions I have never seen before, and when I made the disputes and asked for information about those transactions, they would not explain it to me, and I was told to please allow 10 days for them to give me a credit into my account. A total of $1496 my whole check.

I really like the ease of Chime banking! I like the daily reminders of my balance. I think their app is the most simple app I have (and I have many!). If I could only have one app, Chime would be it. That said, my Chime wish list would include a sound notification when getting my direct deposit like a "Chime" alert - lol I find myself checking for hours waiting for my deposit, which is annoying. I also wish there was a way to connect Chime with Zelle. I have had a couple of issues with vendors that do not like working with Chime. Finally, I also heard Chime does not "report" as a credit card on credit reports and was advised to get rid of it by a debt consolidation business.

I have used Chime for almost 2 1/2 years and while it seems to take a while to get my direct deposit. I do get it two days early. My credit score has gone up over 100 pts. They offer spot me which is very much appropriated. My pay and small loans to be paid in parts monthly. With very minimal fees! I'm not sure why anyone wouldn't use chime banking.!!!

Chime is a scam card someone stole over a $100 off my card and my claim got denied 2 times. Proof I didn't know this person... That was the last of my money and chime did nothing. I would not advise this card to no one....

So your GPT system lied to me and tricked me into paying off my loan to get my pay to work again because I was a few days late on a $35 payment. The loan was only for $100. The other payments not due till end of October and end of November. So my direct deposit came in but my pay was at zero so after contacting customer support GPT told me I had to make the payment for it to be reactivated. So I paid the late payment and nothing happened with my pay, then GPT proceed to tell me I had to pay the whole entire loan off which the second payment was not even due for another 10 days and also pay November's which was a month and two weeks away. So after speaking to GPT and explaining I can't make those payments and afford it unless my pay turned back on it assured me that my pay would turn back after paying off loan.

I've been with Chime for years before the company got big. I've never had a issue with them up until recent times. They have went into my account a year later for a MyPay fee that I repaid a year ago. They have take money out of my deposits that was needed for rent and when I called them I was transferred 8 different times, management included, only to be told they are sorry and can't do anything about it. I am so frustrated and I am contacting a lawyer in regards to this. I also had fraud done on my account before and when I told them they did nothing. They are not helpful at all and they take money out of your account without your consent.

They are and allow scammers to rip off people and the say transaction was legit, they speak no fluent English and are the worst kind of people to do business with cause they are complacent in allowing them to scam and they offer no compensation to anyone who gets scammed thru them. NEVER USE THIS APP!!!!

New customer to Chime. Joined because of the bells and whistles and my friend couldn't say enough great things about Chime. I didn't set up direct deposit as I prefer to test drive their services before switching over as my complete everything bank. Did an external transfer of funds into my Chime account, delayed as of the today I still have not received the funds, customer service promised it by yesterday at 8pm. That never happened, so I waited to 8pm West coast time and transfer didn't happen, waited till midnight and still no transfer.

I’ve been with Chime for 4 years. Never had any problems until now I ordered some clothes from this company and never reviewed the clothes so I disputed the two transaction sent information from the fake company and they denied my depute so anybody can just take your money and you don’t get your money back and the customer customer service. Representatives need to be trained.

Customer service is now in China...good luck understanding them. I've had money just magically disappear from my account and my Chime builder account is so screwed up they can't even explain what's wrong. I banked with them for 9 years but not anymore or ever again. I trust a crackhead with my money more than I trust Chime with it!!!!

I was a happy and loyal customer for 5 years until they denied my dispute on a fraudulent website after I provided proof so they for all intents and purposes stole my money after I proved that the site was fraudulent.

Took my money out of my account on a random Sunday before the pay period next week And left me with $7 in my account until I get paid. Felt like a random attack. Bank here at your own risk. Sorry isn't good enough.

I had fraud occur on my account. Filed a dispute right away. Was denied twice after 2 days and provided a police report. Was not offered temporary credit or money back. I strong recommend not using this company.

I think these screenshots speak for themselves. They’re discriminated against people with fixed incomes. I am on a fixed income a mother of three kids teenage boys to be exact. I need access to my money when I need it usually in the beginning of the month, but I cannot touch the money that was approved to supposedly help me till the 12th of this month when I won’t need it. This is crazy and I can’t believe they can get by with something like this.

Needed debit and credit builder cards replaced. Contacted customer service. They told me they had been sent to the correct address. They were not, even though I changed my address in the app. They were supposed to arrive today. Did not. Then rep tells me cards were shipped to old address. Okay. Pivot. Can you expedite to my new address? Rep says yes. Will be there on 10/9. Then I get email that cards will arrive on 10/20. So I contact customer service again. They tell me that they have no way to expedite cards, so I was lied to TWICE. Now I have no way to pay my rent, which is cash. They also turned my old card off so I don't even have access to that. By the time my cards may actually get here, it will be over a month since my original request. I do not recommend.

Absolutely a joke, closed my account without notice and stole my money, customer service is worthless, I will be filing a claim against them, I would advise people not to use this service, this company is a complete joke, they already had to pay back millions in a 2024 lawsuit, and didn't learn their lesson. I wish I would have researched this company before using them, complete fraudulent business.

My wife and I loved Chime, Until she passed away. While we were in the hospital for 14 days they closed her account Then social security direct deposit her last partial check in her account and Chime took the $15 or $16 but I can't get the rest. They ask for death certificate where to send money and proof of who I am. We were married 41 years and so I sent 11 different things to them, called numerous times and it never seems enough. They say you will be contacted in 4 hours. Some a little longer. It's been going on around 18 days (which I call a little longer than 4 hours). Now granted it's not but about $150 but it's the principle of the situation... So What Can You Do except to get this out to customers or potential customers..

Hello, I received my direct deposit this morning at 1:14 am, and My Pay showed me being able to get $360; so, I said to myself I'll use that to pay my rent. Now when I go back to my Chime account to retrieve the money to pay my rent My Pay shows me only being able to get $160, now I'm short on my rent and I'm a single mother of 3 kids one of whom is autistic and sickly and if I'm not able to come up with the money my kids and I will not have a place to stay. I called member services and talked to 3 different agents and a supervisor, and every one of them hung up on me, and said there is nothing they can do. Can someone please help?

DO NOT BANK WITH CHIME. I informed them that not 1, but 4 checks did not arrive to my creditors. I won’t go into the very bad customer service in trying to fix this issue, they did not care. I reported them for fraud, I also contacted the Consumer Financial Protection Bureau and the BBB. They in turn kept my social security check!

Chime just changes things up in your account as they wish. You may think you have 500 credit especially when you pay it back every two weeks but they will all of a sudden take away your credit so you can't really make any plans with the money at all. Terrible that they can do that to people especially loyal users.

Be very Wary of opening an account with Chime, they will get to know your deposit History then close your account as close to your Direct deposit as they can to hold your money. They will never give a reason other than Violated Customer Agreement but they will never let you know how you did it. Completely Dishonest Company.

I am so frustrated And angry. Chime claims that they prevent fraud and protect customers when fraud happens that's. A huge lie. I've been the victim of a hacker. Chime has allowed him to steal over 2000 from my account and refused to refund the money. I've submitted police report pictures of hacker logging into my chime account and emails from chime stating that I had unauthorized login on same day money was taken which happened to the same day my SSDI checks are deposited. They still would not refund my money. What's Even more frustrating is other disputes smaller amounts for exact same reason we're approved. How could they approve some but deny others.

Started great (2years ago) until I figured out the scheme and the benefit to none other than unamerican Gavin Newsom! They hold payment and transactions up to 48hrs to keep using your money, meanwhile your bills aren't paid then they force woke Holidays and values on you confirmed! Decline payments minutes before they post your payroll or deposits, I got dropped like a hat with no thank you or best wishes when I asked to close account! Chime supports Gavin Newsom and that is all I need to know, be aware and look elsewhere. There are many other online banks.

I have been sending checks to pay my credit cards and they aren’t receiving them. I’ve been sending them well before they are due. I’ve accrued two late fees now I owe a huge payment. Also I’ve been getting expired checks for my husband's car payment, now we are getting late fees for that loan. I called Chime and got an A.I. on the line who was of no help and no option to talk to a real person.