Chime Reviews

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.

My digital card was breached from my own phone. I had no access for two days — two full days where I couldn’t even get into my account. And after all that, after their failure to protect me, they had the nerve to conduct a sham “investigation” and then close my account because I supposedly violated their terms. The audacity is unbelievable.

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.

Do not bank with Chime. This is the most misleading, not willing to help bank I ever encountered with. You can receive an email and have black and white posted on your account. The customer service reps will lie and hold on to the lies and are very rude people. Don’t setup direct deposit, you’re not getting your money 2 days earlier like they promote and don’t do any transfers from your personal bank account to your chime account. The wait to receive your money is ridiculous. Chime is a absolutely scam institution I ever banked with

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.

Absolutely a joke. Half ass institution of I've ever seen one. Get paid 2 days early is false also. I've had direct deposits go in at 2 then some not till 940 pm. Then they blame your HR. Institute full of **.

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.

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 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.

This is the worst payment app I've ever tried to use!!!! I have four others where I was able to immediately transfer money upon downloading. Chime makes you wait until a physical card arrives (in about a week). So, I have money in the account but can't transfer it anywhere until I received the card!!! LUDICROUS!!!!

Really crazy how bad Chime actually is, this place is not helpful. Don't do their job and don't allow you to deposit into spouse's account if your account won't work.. Chime either needs to close down or do better lol. Worthless chime associates also don't help and only repeat themselves when you tell them what you actually need help with.

Chime will steal your money and there nothing you can do about it. Stop at a 7-Eleven off the Ohio Turnpike at a Plaza on the Turnpike. I stopped to add money to my card. The cashier took my 500.00 plus the fee for loading card. Has me swipe my card and loaded the card. I had to wait about 20 minutes for the transaction to go through. By that time I am back on the the Turnpike drive. I later checked my card and found that the transaction didn't go through. I called the store. Gave them my transaction number from the receipt, they checked on their end and stated the transaction went through from their end to call my bank. I reached out to Chime and was told I needed to file a dispute. I did.

DO NOT USE. They do not help you dispute ANYTHING. I sent all the emails from the company I purchased online from, sent proof that they lost my product, and that I never received my product and they refuse to dispute the charges.

Chime sent me a post card in the mail with a special link that offered a $100 bonus if you set up direct deposit on a new account. It stated you would get the bonus within 10 business days after the first direct deposit of $200 or more. I received 2 direct deposits of well over the $200 amount. 10 business days past and nothing. I called and was escalated and a supervisor. The rep stated she saw I put in the code for the offer but did not know why I did not get the bonus. The issue was escalated further and I got an email a day later stating I would not get the bonus because the offer expired. I stated it wasn’t expired when I signed up. They failed to honor their promise so I told them I would be closing the account.

If I could give this so called company 0 stars I would. Do not put your money in this bank. They do not protect your money and deny your disputes. Be smart and take your money elsewhere. I filed a dispute for fraud on my card, provided them the police report and several other documentations and they still denied my claim. I lost almost $5000 dollars even though I had all the evidence.

The most disgusting bank I have ever had the displeasure of dealing with. I filed a dispute for $360 for services not rendered. I was supposed to receive a visa for a trip to Dubai and never received one. My claim was denied and I couldn't understand why because I did not get the services from the merchant. You would think this is a no-brainer in terms of me winning this dispute. I sent them all the evidence, receipts, and evidence of me communicating with the merchant, who then seized communication when I confronted them.

Chime is the worst bank ever! Employees unable to fix any problems or glitches to do with banking. Beware on the MyPay feature because the system just randomly changes it every week for no reason at all. I can testify I am a salaried employee so my income doesn't change monthly. But yet every paycheck they'll raise it at beginning of the month then each week depress the limit until you find yourself losing almost your entire paycheck to Chime and you paid them probably $10 or more in fees to end up losing all your money for entire week's pay. The system is untrustworthy. The bank is untrustworthy and their employees are unable to do anything besides pull up your account and provide automated responses, which make zero sense! Please stay away from Chime!!!

Beware of the False advertising with Chime regarding SpotMe and MYpay. MYpay is not instant like Chime advertises. It is in small increments daily over time. So Chime can getting all of the $2.00 fees for using. And SpotMe never increases. And I have been a customer with Chime for about 4 years now and the spot me never increases. And I have patiently been waiting for the Spot me increase with recurring direct deposits for the whole time from the same employer. And customer service is absolutely Horrible. They can not resolve any issues and the managers are worse, their English skills are very poor. I asked Manager Jeff about complaint process and he said they don't have any. Do Not make this your main banking. Only for frivolous things and you put on the card what you want, Get a real bank account for your direct deposit and real banking needs.

I have been with them going on 4 years and have no problems with customer service or Direct deposit. Money arrives just like they promised. The credit builder card is fantastic.

Chime Debit Card Review: Disappointed with Dispute Resolution. I’ve been a loyal Chime user for quite some time, but my recent experience has left me deeply disappointed. Someone unauthorized used my debit card, and despite providing all the necessary evidence, including detailed explanations, Chime denied my dispute. This was incredibly frustrating, as I trusted them to protect my finances. I also thought I froze my account 3 days before more money was taken out. The app told me my account was frozen and a new card was on the way but that wasn't true.

Absolutely terrible customer service representatives. They make you jump through hoops to "offer" money back when someone hacks your account & steals your money. They won't give you back any of it no matter how long you been customer.

I was scammed and they put a case through after I called. Around 24 hours later they closed the case and didn’t get my money back. Now I’m out $60 for their faulty system. I recommend Citizen’s. They’re better!

They play with your direct deposit and they play with the SpotMe features. I will get a regular bank account 'cause Chime do not care. They can’t speak English right and it's always a problem with this.

THE WORST! If I could give zero stars I would. I never received my cards and am still trying to get my deposit back. My latest call about my deposit has taken 35 minutes and I'm still trying to get someone to help me after being transferred 8 times and being put on hold (maybe in the hope I'll give up). None of the advice I was given about using the app to transfer money back to myself (CVV needed for an activated card) has worked and no one is willing to return my money. Chime makes it extremely difficult, if not impossible, to get the deposit back.

Had a case where my son was in a severe accident, hospitalized for several months. I got a POA to handle his financial affairs. Even after uploading the document 3 times, and getting a confirmation all 3 times that someone would contact me within 4 hours, never happened. I called every few days and the agents all said they could do nothing until I uploaded the POA. I told them I had already done so 3 times. They said, "Sorry, I can't do anything, you'll just have to wait for someone to contact you." It took about 10 days before we got it resolved. A horrible company to deal with.

This is the most difficult banking app! It's a scam to keep money. They send card in 15 days that you need to transfer money out. Money goes back to sender in 14 days if not transferred. Customer service barely speaks english and definitely not understand english. Save your time, find a bank. 671 sent to me from renter. I had to activate a Chime card to get money but card won't come for 15 days. My bank printed statement says funds are returned to renter after 14 days. So had to transfer part amount to debit card with 8.75% fee and have to wait until monday to try to get the rest out. Will never allow renters to use again

Chime says this promo is not active even though it's active on their website. Later they stated it's active and asked me to complete the requirements which will make me eligible for the bonus of $250 by getting a $500 direct deposit within 30 days. I did it exactly like I was told, only to be denied the bonus again. Chime owes me $250 at this point in time.

Bad customer support. Refused to refund my money stolen from my account even though I provide documents that the company doesn't exist. Said they would provide documents to show why they denied my claim and haven't.

They started me off with a very terrible AI secretary thing, which is always a very bad idea because they can never do what I need and I always ask to speak to an actual person, my toddler accidentally hit. Send me a new card on my phone and I called them seriously two seconds later for them to let them know that that wasn’t true and that I had my card on me and they basically told me that I was screwed and then I have to wait about a week for it to get here, no help at all. So now I’m behind on my car payment, all because they can’t get their stuff together and reverse a simple thing. Not to mention, everybody I talk to didn’t speak English as a main language. If I’m calling from America, I want to talk to somebody that speaks fluent English as their first language. They couldn’t even help me with the most simple thing; they couldn’t even expedite me a card overnight, completely useless.

I have been a Chime customer for a few years and until a few days ago have always been so pleased. But I just filed a claim and that's where they FAIL big time. It is 4 days later and they keep telling me they are straightening out the claim but each day it keeps getting worse. They were 2 claims and one was resolved in 2 days but the second one has been going on for 4 phone calls. Each rep telling me they are taking care of the claim and then there is no claim there. I call back and they say the same thing. 4 days later still no claim and they tell me they are the only ones that can help me and that there is no one else there, no supervisors no managers. But why do I have to keep calling and getting nowhere. So obviously Chime is only good if there are no problems.

I was misinformed by an associate about a sign up bonus, the bank's response was sorry and to suck it up. I don’t need your little card and have cancelled the direct deposit and will cancel my card when I use the funds that my card doesn’t work at half the time.

Chime froze my account for alleged fraud. They requested I submit documentation proving my identity. Each time, they asked for additional documentation. Once my identity was confirmed, they asked for proof of residence. Then bank statements, then a letter from the bank, then a utility bill. So far, I’ve provided my driver's license, passport, a copy of my lease, two different utility bills, multiple bank statements, a letter from the bank confirming they are my bank statements and more. Chime has refused to reactivate my account and refused to release my funds. Each time claiming they need more information. This has been going on since 2023 and is still not resolved. Their policies are unreasonable and predatory. Tonight 9/5/25, customer service said they can no longer do anything and hung up on me and online customer service failed to complete any progress on my account. I will be taking legal action.

I deposited a paper payroll check 8 days ago. They gave me half at time of deposit. I'm still waiting for the other half. They say I will get it tonight at 9 pm. 5 business days hold plus holiday mixed in. This has caused me a great deal of grief not to have this money.

I signed up with Chime and I seen if you get direct deposit of $500, you will get $250. I had 2 direct deposits totaling over $500. Then they tell me it has to be one single direct deposit, not multiple ones. When I chatted with someone, they told me something totally different. Two different answers and ABSOLUTELY no help really!!

I would give 0 stars if I could. Beware, they will let your account get hacked and say it’s your fault. I had multiple fraud alerts and said no to each one and they still managed to take money out of my account! Chime will not back you, they will apologize and that’s it. I’m in a huge bind and they don’t care. I’ve even made a police report for theft. Stay away!!!

Never use this app for your money. They lie about their commercials and when you need assistance they cut you off mid conversation. I had a problem so I needed to talk to a supervisor to help with my problem but she just cut me off mid conversation and I was never helped.

Chime is no good. First they lie on their commercials. And when you ask them to block they lie and say they did, then they just let anyone go in your account and take out money. I'm leaving Chime and never going back. They are liars just like Cash App..

Chime is a fraudulent and irresponsible company. On Saturday morning, I woke up to a text showing two unauthorized transactions from my account: one for $208.00 and another for $207.50 sent to someone by the name of Jamie H. Around the same time, the phone number and email address connected to my account were changed without my consent. That same day, I provided Chime with a police report number to prove the seriousness of this theft. I immediately contacted Chime. They helped me reset my information and opened a claim. However, at 2:21 a.m. on September 1, I received an email stating that my claim was denied, with the conclusion that no error occurred.

I deposited $200 and they automatically transferred most of it to my credit builder. Mind you, it was negative, but they did not notify me. I needed that money for rent. Apparently they recently updated their terms. I recommend never doing business with this company and if you are l, then find a reputable bank or credit union instead.

I had charges on my account on June 20 and I couldn’t dispute it until June 21. So I disputed it and they put it under the wrong category and denied it then I sent proof from the merchant in an email saying it would be sent back to me in a refund and I never got the refund from them. They said they shipped it. So I contacted usps and they never did send it. It’s now August 29 2025 and I didn’t get the money or the product and Chime is now saying I’m not eligible for the temporary credit. I have battle chime for 2 months now trying to recover the 500 and they said I won’t receive a refund until November that’s if they find on my behalf that I won’t receive the dispute. This is crazy as hell and terrible customer service and I feel they are not protecting my money from fraud. I do not recommend using chime at all.

My son had an account with Chime and he passed away. They are absolutely horrible to deal with. Their customer service number is an 800 number to India and they take your “service ticket”. You are lucky if you get a reply at all and then when/if you do they don’t talk with you directly and don’t follow your requests. The worst financial services company I have ever dealt with

I have been a Chime customer for 6 years and they have been a life saver. The benefits are too many to list but they are always on point. Great customer service if you need to speak to a rep but everything is perfectly done through the app. Thank you Chime.

My debit card was stolen. $87 was used & they didn't properly investigate or give me my money back. DO NOT put your direct deposits on this app because your money is not safe. They opened & closed my dispute in just two days. I don't recommend anyone to use this banking. It's definitely fraudulent.

I have been a customer with Chime since 2018. At first they were amazing! Now, hell no!! I have been disputing fraudulent charges on my card for the last year. They send me another card and guess what, it still happens!!! THEY TAKE 90 days to decline my claim, yet shit keeps happening and it’s all from the same company!!! The fact that they don’t listen have no one that speaks English clearly is frustrating as shit!! Chime is the WORST BANK I’ve ever dealt with! GO ANYWHERE BUT CHIME IF YOU WANT ALL YOUR MONEY HASSLE FREE!!! Chime is bullshit.

I will never in life have Chime again. A month for 132 dollar dispute and still waiting.. I have closed my kids account, my mom closed hers.. we not talking 500 or 1000 bucks.. just 132 bucks and I have to wait that long never again with chime.. NEVER.. nothing good to offer.. but talk about make sure customers have great experience.. oh good luck with repeating yourself to AI machine, b4 they connect you to a human customer service person..

I wouldn’t recommend Chime to nobody! They take your money whenever they feel like it then give you a bullshit reason why, smh. Then the credit system is never updated. Chime is just a scam! You can’t really do anything about it, but just lose your money.

I have been with Chime Bank for 5 years. I created the highest level of security, which sends text to phone and message to email. The only message I got in email was a deposit notice. I was not notified by the other transactions which took over $4000 out of my account.

I had 2 charges from Walmart exact same amount at the same time and they will not fix it, they say it didn't happen. I will tell everyone that Chime will condone fraud, they won't do anything about it so think twice about using chime. They will take your hard earned money and not feel bad about it

Truthfully rating Chime on my behalf is a fat zero because they suck. They are crooks getting your money with no remorse to the customer. In my opinion Chime banking is not good for the people and I advise folks to avoid using Chime. Please they will steal your money.

Chime is horrible to deal with because they don’t speak English. Well customer service is absolutely horrible. You don’t get anywhere, so it’s completely worthless to even call them. They had to replace my card twice in a month and they wouldn’t give me one extra day to get money out of my account so I had something to live off of until their card gets here in 7 to 10 business days. Now I’m completely screwed because my Apple account was also hacked and there are certain stores that don’t accept my Apple Pay now, so that is no use to me. I am currently looking for a new bank because this is nothing more than a scam.

Chime is synonym to "crime". Do not fall for it. I was scammed from Facebook Marketplace transaction paying through "Chime". After being scammed filed a dispute transaction. Waited 10 days of investigation just to be denied. Called their so-called customer service who was speaking from abroad with a half-twisted-tongue accent explained to me that they cannot reopen the case because I authorized it. If I did not lose the money why would I file the complaint of fraudulent transaction? They finally sided with the scammer. BIG LESSON LEARNED. DO NOT FALL WITH THESE MUSHROOM-LIKE GROWING APP BASED STREET-BANK WHO DO NOTHING BUT TO HELP YOU FALL INTO THE SCAM. Note: The facebook Market place scamming name: "Jonathan's Poultry Farm" at the time. It may change different name to scam others. But please do not fall anyone who offers a cheap price.

Chime has been a nightmare for me these past few days. My friend needed $ right away for a car mechanic. A Chime rep told me I would be able to send her $ to her Chime account right away if I put cash in. I spend a few hours doing this because the places Chime listed were not able to. I spend $8 to put cash on Chime only to find out I can't send her $ because my "virtual" card won't work until I get the physical card in the mail.

I received an unsolicited Chime bank card in the mail. Next I got texts with a one time code. “Call if this isn’t the right person.” I call - they demand my SSN to track it down. They tell me that there is nothing they can do without me giving them my personal info. Basically they imply I must have an account and forgot. My credit is frozen so I know I have none. So stupid. Customer service spoke very poor English.

Chime help people scam people. I was scammed out of money from a person with the account $PrimeK which has been on chime since 2021 from the profile. This person has ripped off and scammed countless people using this same account and Chime acts like they can't do anything. New form of illegal money activities, money laundering and scamming people. These "Online Banks" are terrible for protecting your money.

They use deceptive business practices. You will not win dispute w proof, then my pay they give the bare minimum daily so if you rely on that don't bother. I used to love Chime. Now because of repeated issues, I am ready to contact the State AG to look into this place.

Chime does not protect you from fraud. I have someone making unauthorized transactions with my account. When I asked them first about it being investigated, they told me I had to wait until it finished pending. After it finished pending they still would not investigate because the money went back on there. The problem I have with chime is that was not the only transaction that was authorized. I wanted to know who had obtain my card info and how did they do it. The solutions was to shut card down and get a new one. That's not solving the problem because if they have my current account and I don't know how they are doing. They will get the new info and wipe me out my money at any time.

They are lucky to even get one star. Originally I decided to try this company, debating about leaving my credit union because they have the option to build credit. Just a few weeks ago I had a transaction on my account that I did not authorize, of the amount of $210.36. I of course did try to call the number of the company and it didn't ring. Then I contacted chime in regards to this matter. Like any other bank I filed a dispute. Within a day, they declined my dispute. I called and addressed the issue thinking I did something wrong. I called and spoke with the supervisor and talked to them about them declining my dispute and she filed it again. I did mention if it gets declined again I will be closing my account. She of course understood my concerns and within a day, they declined my dispute again. I even told her that they used a virtual card for this transaction and I have never used a virtual card.

I've had Chime since 2023. They have been great, UNTIL! I sent my nephew $150, BUT the $$ went to someone else in another state with the SAME NAME! They told me to request the $$ from that person, I did TWICE, no response. CHIME says there is nothing they can do. I will NEVER tell anyone AGAIN to use CHIME!

Chime is the biggest joke for a company that I've ever seen in my whole life. Their customer service is horrible and the number that you call is nothing but an big run around of pressing this number and that number. I want to talk to an live person when I call customer service number. Then, when I finally do get to a live person, they can't do their job correctly or professionally either. If I could give Chime a Negative rating, I would give them like a -15. Stay as far away from Chime as you possibly can, it's nothing but a nightmare.

Everything was great with Chime until I had a fraudulent charges, 2 of them, for Vesta AT&T. I’ve never used AT&T so I submitted a claim- which chime denied after their “investigation” and keep giving me the run around on how to dispute the dispute. They basically stole 91$ and I’ve been trying to get it back for weeks now- no luck. Chime “customer service” actually hung up on me today- been trying to call everyday to get my money back.

I had fraudulent charges over 3 months now. 2 banks TD Bank and we resolved it together. Myself and the investigation team... Same exact charges and fraud. My money was dispersed to out of business companies, Facebook pages, crypto currency and we found out this fake Zelle company that was on Google got all my info from both banks TD paid me. Chime has denied me 17 times. I asked them to talk to TD Bank investigation team. They said they would which is a lie. A computer is making these decisions. I call TD. Asked what program is denying my claims. Refuse to tell me and hang up every time. They owe me over $30k... CHIME IS NOT FDIC INSURED. IT'S STRIDE BANK HIDING BEHIND CRIME FINANCIAL TECHNOLOGY COMPANY. These two are so shady and corrupt. How they get to continue this is beyond me.

They were good in the beginning but now all they do is take your money and when you call to dispute it they tell you there's nothing they can do about it. Most of the people don't even speak English. You can't understand them and they can't understand you, and they don't care. Used to recommend them to everybody, never again, no more!!!

Chime’s own fund verification process for mobile deposits takes WAY too long. Each time I deposit even the smallest amount under $200, there is a five business day hold, no ifs ands or buts, with not even access to $10. This is extremely inconvenient and goes against the standard two business day hold that the majority of the banking industry follows, except for in cases of very large amounts over $1000. I will be cancelling my Chime account and will be going back to more traditional banking where there are at least representatives willing to compromise and actually help. All Chime reps ever do is apologize, but they don’t help.

Chime is horrible. They take your money instantly off now soon as you deposit it for your loan and your credit builder and your debit card and your MyPay without asking you since it's updated that way now and they won't reverse your money back. They will tell you that they have no way to give you your money back. I told them to close my account.

Chime is a garbage FinTech company and NOT a viable alternative to traditional banking. In my experience, they closed my account without warning and without an explanation. I have great credit, a steady income, and never violated any policies, but my account was still closed for no reason. When calling to ask for explanation, they would not provide one and told me to withdraw all of my money. Otherwise they would mail me a check within 30 days. Use at your own risk!

Wasn’t able to help me get my money back, accidentally send it to a friend and his account wasn’t working and they weren’t able to help me get $140. Call the customer service people and they said they couldn’t do anything about it

If the person you refer is paid monthly it is very difficult to meet the arbitrary 45 day deadline for the 1st direct deposit. If the referral isn’t able to meet the 45 day arbitrary deadline. Social Security, Most retirement systems pay monthly & a direct deposit change takes 30 days or longer. Chime knows this, so that’s why they chose 45 days. Very Scammy! A lot of people are on fixed incomes & are really counting on the referral bonus.

I have had a Chime acct for a while and they suck. They try to front you all this money so when you actually get paid you receive nothing and you can't change the amount. The refer a friend is a bunch of B's and they never want to help with a dispute. Don't use chime they don't care about their customers.

I've had Chime for years. 6 yrs, and I had no problem until now. Besides the non English speaking who you can barely understand customer service reps I dealt with chime & when I needed the most, they failed. I forgot they paused my account & deposited 40. They took it & won't return it. Nobody wants to give their name because they don't want to be called out for bad customer service. Today I depart with chime, middle finger to the sky.

Chime is a contender for the Academy Award of the worst companies to deal with. For all I know there are services or great. What isn't great is when you don't want any of their services and you can't stop them. Their emails don't have an unsubscribe. When you log in to your account, there's no way for you to maintain your email preferences. When I call them I had to spend 15 minutes dealing with the most obnoxious. AI robot I've ever seen. It pretended to be really smart, but it wasn't smart enough to follow my simple instruction to shut up. And I only wanted to talk to a human person. When it's older to be quiet it kept telling coming in every thirty seconds to ask me if I was still there and repeat more than thirty seconds of how they understand my wish to talk to a human.

I received a call from Chime Bank on 7/24/25 at 5:24PM- from the same 844-244-6363 number listed on the back of my card. The call lasted 16 minutes. They wanted to confirm recent fraudulent activity. Since the number matched and the representative was able to confirm all of my information I confirmed the fraudulent activity (as I had not used my card in either locations) and we activated a new virtual card number through the Chime App. I was asked to transfer my balance of $234.53 to this new virtual card. I was provided a case No of **. Once I had done that my balance was nowhere to be found.

Chime allowed fraud!! I reported and they told me as I have no proof it was fraud they will not reimburse or stop charges. Fact I have NEVER done business with company, not even spoken on phone so how and I auto approve it’s fraud. Chime screws customers and will allow others to steal your money. I’m filing complaint with FDIC. Do not trust them or open account. Run, do not walk.

If I could leave negative stars I would. Chime has been a nightmare. They do not follow OCC or FDIC regulations. They have been sued multiple times and audited and ordered to pay because they have scam practices. For example, government checks are held despite traditional banks following rules. At one point my check cleared the payer in 1 business day and chime held the check for 6 additional days claiming non clearance. Then I filed a complaint with the OCC and BBB so they literally just ignored my requests and started hanging up on me.

I understand account closed due to inactivity but I was given no notice. They refuse to refund my money which is only $33.00 which is nothing to them but a lot to me... they send to state and said I have to file claim with state to get back... Cost me more to file complaint than total amount... never again!!! Money down the toilet. Thanks for ripping off a senior citizen.

I’ve been with Chime for nearly 6 years and the few times that I’ve ever had to file a dispute. It’s constantly denied. And I feel like they are incentivized to deny the dispute. This last go round I was made to believe the customer care representative understood exactly what I was going through and agreed with me and the dispute was settled in less than a day and denied. My card was used to verify a real human on an Apple account for a free app download. All of a sudden I had $134 in charges and under 10 minutes from Apple. I immediately remove the card and try to dispute the transactions which I later found out two weeks later did not go through. So I called the number to file the dispute with a person on the other end. Who agreed with me that I should not have been charged. He said my dispute could take up to 90 days.

DO NOT BANK WITH CHIME, if you get a new employer and for whatever reason they decide not to POST your funds that you worked for, they will keep. If you speak to a person they will keep you on hold or keep transferring you, while you chase and beg for your money that you worked for. Don't bank with Chime.

I have been with Chime for almost three months. I have a significant amount in direct deposits. The first month, I got my deposit early on the 23th of that month versus 28 or 29th with my other bank - which was cool. The next month it was the 25th - still fine maybe it deposited later. This month I receive a email giving ambiguous information about week before my deposit - it is the 26th and no deposit. I inquired on the 25th and they say they don’t have my deposit. It’s VA issued and I know they are lying - checked with VA to be sure.

Chime sent me a email giving me 24 hours until my account is closed! 8 hours go by and my brother said he received the same email! I call Chime and can't understand the Indian... My brother calls and they tell him "there is suspicious account transactions of MONEY LAUNDERING" so you low IQ people think I'm going to send money to family with the same last name as me to launder money! Stupidity at its finest!

I contacted Chime via chat for an issue with my direct deposit and my pay. The agent refused to resolve my problem and ended the chat. I called and spoke with a representative and a manager and they refused to resolve my problem and hung up on me. The information listed on their website was not what they were telling me. They kept giving me excuses and refusing to listen to what I had to say. They were rude and letting me off and finally hung up on me. This is the worse customer service I’ve ever had and will be doing business with another bank.

Chime is my secondary bank. The payday two day early feature is a nice ploy to attract people to use chime. However, my direct deposit has been inconsistent, despite my payroll processor being on time every time. Honestly, I’m happy Chime isn’t my primary bank, “financial institution” as they call themselves. I rather know when my money is coming in, even if that means waiting till Friday morning consistently like with my primary bank verses trying to guess when it comes with Chime. Sometimes it’s a Wednesday, Thursday, Friday. Chime isn’t for everyone, I personally thank it’s trash! Respectfully. After receiving my next direct deposit I will be closing down my account indefinitely. Save yourself the stress and guess work! Get an actual bank account, and a debit card that isn’t viewed as a prepaid debit card, which Chime is viewed as. Put your money in a reputable bank or credit union not a “financial institution”.

I've been a Chime customer for years and for The most part chime has f me over every time I do a dispute. I have money taken out of my account from three different peoples when my phone was lost and all these people live in Texas and I stay in Florida trying completed a dispute in one day and didn't give me none of my money back. They did this to me for 3 years straight every time money is getting taken out of my account and I don't know these people and I don't know what's going on.

I noticed I was being charged many times for Prime yet I don’t have a prime account. I replaced my card many times as per reps and still no resolution, someone internal is stealing or using my info to pay for their account. I keep disputing it, and they keep blowing it off. When I ask to speak to a manager they hang up the phone. I would never do business with them again. They do pass on all your info and all to other business or someone internal use your info, not secure. Now getting a lawyer involved. This is more than 3 times this has happen.

Chime asks for A LOT of information and is very sparse and vague when setting anything up. Seems problematic not likely to continue service with them due to such overreaching data mining type behavior while being very vague and just about unreachable if you had any customer service questions.

I receive money on an irregular basis. The person paying uses Chime because they pay no fees. I set up chime and got my payment. However, chime will not transfer to my external account until I receive my physical card. They say it will take over two weeks to get my card. So, chime is holding my money hostage and will not release it to me. I do not intend to use their virtual card and do not trust them. I need the funds in my external account not on a virtual card. Chime refuses to release my money to me. What they do may be legal but it is very unethical. Avoid this company if you have any other option.

I was fine with Chime until this week when a customer of a large company try to send me money through an ACH transaction and Chime claims they have no record of receiving the $1650 payment despite multiple confirmations. At this point, I would stay away from this platform for anything more than a few hundred dollars. They did say I could send the money again to see if it goes through the second time..... Are you kidding me?

On the advertising it says you can have your account set up in 2 minutes. That's so a lie. I don't have an employer and after putting in the routing number and checking account number I tried to finish the sign in and after spending 5 hours trying to get the account set up I finally quit because I was running out of battery power. And when trying to get assistance from the customer service you would stand a better chance of escaping a prison. The help section doesn't even come close to the problem I'm having.

Chime Seems like that they don't care about their customers and some customers are very loyal and have been banking with them for a long time. I filed a dispute on July 6, 2025 for the amount of $80.00. And Suppose with a customer service representative on July 16, 2025. And were told that I may not get my refund back until September 22, 2025. Never had a problem with Chime before up until now seems to me that Chime is not going to reimburse me for a transaction that happened to me. The Chime ATM machine was out of money and still took the money out of my account and didn't get any money that day. I were taking my grandson swimming and we could not go because of this transaction. That made me and my grandson very unhappy.

After spending way too much time talking to bots, I finally got to speak to a real representative, Paul, who told me that the shutdown of my ability to use mobile check deposits is “permanently in place with no way to restore it. ‘He further explained that since I had deposited a check of $15,000 in 2021, this likely caused the system to shut this feature down. After letting Paul know how dissatisfied I was with this response, but affording him the opportunity to do his job and not be personally targeted by my dissatisfaction, Paul suggested that I download the INGO mobile check depositing app and link it to my Chime Account.

Use extreme caution if you attempt to use Chime credit builder, especially if you already have good credit!! It is very confusing. I used the debit card only for direct deposits and never used the credit card for any actual credit charges. All the sudden I got a notice from TransUnion that my 790 credit score had suddenly dropped over 100 points in 1 day because Chime reported that I had a delinquent payment of $1250 on this credit builder account. I never had a dime if revolving debt with chime. Chime customer service was NOT helpful at all and could only tell me that the "Auto Pay" feature was not turned on so this huge Virtual payment did not get credited!! They refused to correct anything with the Credit bureau, leaving me no other option than to file a Complaint with Consumer Protection Agency. Along with many other customers.

I enjoyed Chime for several years until today. Due to local backwoods water company, I need to pay them with a check. I have been using the chime check send feature and never had a problem. Yesterday I get my water bill and it says I owe for last month. Chime says it was cashed. The water company checked all their transactions for that week and it was not received. After spending my time with hard to understand Chime agent, they don’t keep track of the checking they send. They don’t have a copy of it, they can’t provide a transaction number, they can’t tell me where it was cashed or by which bank. I’m not out $49.99 plus another 49.99 that I still owe for last month. Really, really, really disappointed by the and I will be looking for a Chime alternative. Really sucks!

I have had a Chime account for 7 years. On June 16 I received a call from Chime telling me that an overseas transaction was declined as I had overseas transactions turned off. I got off the phone to look at my account and froze everything and called Chime. I was told that the $2k was declined to Dubai. They said they would send me a new card. Then they processed to telling me it was a good transaction. I didn’t make this, never have I shopped overseas and it was fraud. I gave them a PD report. They have denied my dispute 3 times. They want receipts/invoices, delivery/shipping, confirmation of emails, tracking number, conversation with merchant. I have none of that as I didn’t make the transaction. I don’t know if it’s a merchant, business, company, or person. I am no longer going to bank at Chime. If you went through my account for 7 years you would see that I have never shopped overseas or even spent that much on anything.

Chime will cheat you, back out of their promises, not fulfill their obligations, and refuse to provide you with complaint resolutions. So do not use this app. SCAM. Bait and switch. All about making money off you. Don't trust them.

This is a scam company, do no trust them with your money. If anything happens to your account, they’ll simply take your money and close your account. There’s no way to retrieve your funds bank, I was scammed by this merchant.

The absolute worst financial institution created! I just received notification that because I no longer have a direct deposit incoming bi-weekly due to losing my job and being unemployed that they are terminating my account. If anyone is in search of an online banking institution stay as far away as possible from Chime. If you already have an account that is funded especially via direct deposit, I strongly encourage you to redirect your direct deposit to another financial institution and remove all of your assets. This company is a joke and should be investigated immediately by the BBB!!!

I have been a Chime member for several years. I used to recommend it to all of my friends because of the user-friendly app, all the perks, no fees, and the 3.75% APY on the savings account. HOWEVER, my account was recently hacked and someone made a purchase at Walmart.com in Arizona (I live in Indianapolis), and when I disputed the transaction Chime denied my claim. Long story short, your money is NOT safe with Chime. I had to switch banks after knowing my money was compromised. The customer service is nonexistent! Don’t let this happen to you!

I opened a Chime account and as part of opening the account, I was eligible for $350 in bonuses if I completed all the requirements. I completed the direct deposit and received the $100 bonus instantly. I have been receiving 10% cash back on my purchases which was a part of the bonus. I have made over 15 purchases totalling well over $500 for which I am supposed to receive a $100 bonus which Chime is refusing to give me. When I called customer service, they have hung up, they have edited my account and removed the screen that showed I was eligible for the bonus and how many days I had left to complete it. I have sent emails, they won't respond.

I’m confused every month. Am I going to receive my check 5 days early or 3 days early and they say it’s because of the weekends which isn’t true. Also this new MyPay advance sometimes it’s 500 or 300 and they say it’s because the deposit is different or you did something different. Excuses all the time. My deposit is the same every month and I do exactly the same with my money. So now I’ll have to do things differently and not depend on Chime.

Chime prevented me from accessing their MyPay feature due to fact a live representative advised me because I haven't received a "qualifying deposit" of $200 or more in the last 36 days. However, I received a deposit from my Long Term Disability Provider in the amount of $2,740.00 on May 27th.. Chime told me because it came from LTD it doesn't qualify. Money is money. So now, because I'm on LTD until I return to work I have no access to MyPay. The IRS absolutely considers it income and applies applicable tax.

Worst company ever! Their network is not secure and the agents don't know how to help the public. I DO NOT recommend this card. The company lies and steals money from the account while fraudulently post fake credits to your account. They tamper with the account ledger. Do Not use this card company!

My card was stolen and someone took all my money off my card. I made a police report like they told me to do. Sent them my information and they declined my claim to times and I’m still out of my money. Been with them for 5 years and they can do me like that. No. I'm taking action against them. They can not get away with that. They will be hearing from my lawyer real soon.

Chime is false advertising a fee free atm at More than all Major Banks. I’ve been charged nine times and can’t get my money back because they are liars. I’ve been banking with them for more than 5 years. It’s only $14.50, but that’s not the point. Don’t trust them and if you are either them, get away.

I've had Chime for some time. Lost my credit builder card and noticed some fraudulent activity. Contacted chime, made report, gave all my information, got an email stating my claim was denied. I called chime got the run around twice, and was told they won't reopen the claim. So apparently you can lose your card and someone else use it, and chime won't even care to help one of their clients. They lost my business..

Chime has allowed fraudulent deductions to drain my account of the last 3000$ of my account with my cards frozen & hasn't done a damn thing to stop it. I have repeatedly called customer service & they do nothing.

Chime is a fraud. I've had it since 2024 and for a few months I've been struggling financially and haven't figured out why. Turns out , Chime isn't showing my running balance so I have no idea what's going and what's going out . I can't budget this way. And I had 200 dollars saved up and then I got paid from work and it showed my direct deposit balance without the extra 200. Where did it go!?? This bank is stupid.

They closed my account with literally no explanation. Can’t even get my balance. It’s there one day, gone the next. Nothing they can do. Been on the hours with no explanation. All I get is sorry. No explanation at all but I’ve been with them a couple of years. This absolutely sucks.

Chime bank is so sloppy and they hold direct deposits but say they don’t and you never know when you gonna get paid. The staff just give out automated messages. Instead of telling the truth the supervisors lie. Total waste of bank. I’m switching my direct deposit asap.

So I had an issue with being scammed, called 10 minutes after the incident, reported it, was told for 3 days straight that it was going to be taken care of and fixed and that I would get the credit of the money back. I talked to the supervisor, have to talk to a guy named Jay and legit he's no help us speak to a boss, they don't want to transfer you to nobody. I don't get and why employees of this company will tell us what we want to hear and reassure us that it will happen and then turn around and lie about it and not come through. That's some of the worst s*** I've ever seen in my life. I will stop using some as soon as I get my money back and I will never tell anybody to use this app. I hope to God people stop using this app. I see why it's at 1.3 star

The card comes fast in the mail and easy to use. Even a virtual card is given. Only reports to credit report companies twice a month. Dumb. When you deposit a check physically, takes A WEEK to get into your account. POOR. When there is a holiday and you are supposed to get it next day, it won't be there before noon. SO MANY THINGS ABOUT THIS CARD ARE SLOW AND OUTDATED. IT'S 2025. DOES NOT TAKE A DAMN WEEK TO VERIFY FUNDS. VERY HORRIBLE. Would not recommend. Daily pay is real. Look it up.

Chime has to be the worst company that I have dealt with, to date. I have received no usable help from them at all. This morning, I downloaded their app, created an account, and deposited some money into my account. Later, I linked my personal bank account with them and got it verified. When I tried to transfer my money from the Chime account into my bank account, they wouldn't let me have my money. They say that I have to wait several days for their debit card to be delivered to me, and I have to activate it first. I fail to see what a debit card has to do with me making an online transfer. Their customer service people are no help at all. They make you jump through so many hoops just to even get to talk to a person...who you can barely understand, anyway. None of them can seem to figure out how to help me, so my money is just being held hostage. I would NOT recommend doing business with Chime.

I am looking into changing my bank as they seem to have long waits along with somehow their system that runs the mobile app goes down and they can't give a time frame when it will return to function. As soon as possible I will be leaving Chime. The employees are difficult to understand and don't really seem to care about customers, it's like they read from a script when a problem exists, wish I never got hooked up with chime. If you don't wanna have banking issues avoid Chime, these are just my personal opinion, If I would have been smart I wouldn't have decided to utilize chime to begin with.

On Friday June 20th, I called customer service at 9 pm thru 9:30 pm. I tried to recover my account and they said they couldn’t verify if it was me. I been locked out a few years. I do not remember the email or address or phone number I used years ago and my old phone just had everything saved on it and would automatically bring me into my account. Now I talked to 3 different people and they all hung up on me when I’m just trying to get into the account I had.