Chime Reviews

Accidentally sent money to the wrong phone number and was told will never get it back. I accidentally pushed one number off on the phone number and was told sorry can’t get it back. Was told I could call the number and if they wanted they could send it back.

This bank is a joke. I do not recommend Chime. None of their ATMs ever work or have cash in them. They also stole eighty dollars from me from one of the broken atm that didn't even work. They are thieves and they will steal your money. And if you try to call to talk to them none of them speak English, so good luck. CHIME SUCKS.

Well Chime has taken all my money in my savings of $1,2500. They didn't give me a notice but close my acct. I am trying to get a hold of someone but nothing. I want my money back.. which was from the IRS.

Last month I contacted Chime about several charges to my account that I didn’t make from Uber. They started a dispute and I sent a screenshot of my account which didn’t match any of the amounts of the charges and they still gave me so much heartache about the situation denying some of the dispute so I filed a complaint with BBB. I got new card but this month DoorDash made a charge… I showed a screenshot and they reversed it but it all was super stressful.

Okay if you're looking for a bank to approve with all the red tape this the company for you. But warning they have glitches every other day so your money or transferring money will be affected. Calling customer service is little to none. They just tell you a bunch of lies to get you off the phone. Which I understand because if you claim the company at fault there be a civil lawsuits which I think they had plenty already. Just be pre warned it’s best to find another bank for better service and quality.

Chime is a joke and I advise no one to use their services to avoid headache and frustration. This company is disgusting! I used Chime to deposit me and my husband's irs refund and they sent the refund back because my name was under his name on the irs deposit so now we have to wait 4 to 6 weeks to receive our refund by paper check. What's the point of using Chime when all they have done is sent our deposits back? I hate this so-called company!

I got alert from experiences, Amex of SSN Fraud, so I contacted Chime and they told me account was closed (which was a lie) for I give them POLICE REPORT. I submitted and re-submit a full police report (mun code ** case **) and The Federal Trade Commission (FTC) case **. No one ever contacted back, so I called, and they told me that it was “NOT ACCEPTED police report” despite it show as “CRIME/INCIDENT identity theft” already and it clearly stated that “on 01/29/2025 she received a notification from American Express, indicating that some recent account activity and bank name that she has never seen before or has an account with." The lender name is displayed as: Chime/Stride Bank NA”. That’s why I say this is a good online bank for CROOKS for you can use any SSN to open an account with fake address with no issue.

And then we try 5 years approximately, and always thought it was a pretty good banking institution I trusted them with my direct deposit from SSI and I also transferred funds from my main bank account to them, I have been very grateful for their spot me feature, it has helped me several times and when they offered me the MyPay feature for being a good customer I was very grateful. As deposits came in they approved me for a higher amount, my pay is a loan against your money and I received a very nice amount to take out all at once and I it helped me to pay my bills but this is the thing - as soon as I get used to the amount that they were giving me they lowered it. When I called them on it they said it depends on your deposits and other circumstances and from that I think they mean how you spend your money, I spend on bills and surviving I stopped tipping spot me because it got tight for me.

Chime is not the best choice unless you have no other choice! So I have banked with Chime for four years and I'm currently looking for a better bank. Chime debit card is functional but their credit card isn't worth the hassle. It's not accept at an overwhelming amount of places. It can't be use to rent a car, or for payment option no other institutions trust them. The my pay option is a set up. It will give you a larger amount based on what income you have going in but the problem with this is after you pay them back you will not have that full balance available again it allows you to take it out in small increments. So let say you income tax comes in chime will boost your balance to let's say for the sake of the example $500 now when your regular pay check come in they are going to take their $500 back and then make it available in your my pay.

I just wanted to get on here to warn people to do not cash deposit money into your Chime account because they will steal it and give you the run around. They stole 400.00 from me and I provided them with receipts. I still have not received my money back. It's been 3 days.

"I've been a Chime customer for over two years, and they've consistently exceeded expectations. In under a year, their Credit Builder feature delivered a significant 40+ point increase to my credit score. Beyond the impressive credit growth, their financial guidance has been invaluable. Recently, I experienced exceptional customer service from Belle, who handled a duplicate charge issue with patience, professionalism, and genuine comfort. Chime stands out as a reliable and supportive financial partner, offering effective tools and top-tier service. Highly recommended, especially for anyone seeking tangible credit improvement and outstanding customer support."

A fraudulent, thieving, incompetent and racist bank/company! I was sent a global transfer from next door Canada which with any regular service takes just 1 business day! 4 days later after several phone calls, they still cannot tell me what has happened to it, despite my offering to send a screenshot from the sender and confirmation number! They have either stolen or lost it! So I’m advising the general public to beware of these fraudulent thieves! I’m currently pursuing legal action against them as a result! If you sign up with these thieves, and you’ve read this, please do not say you were not warned about them!

Won't let me leave 0 stars. This place is a joke. Just deposited my paycheck. They're telling me I must wait another 7 days for access to the funds, and there's nothing they can do. They can't reverse it so I can go to a real bank and cash it. Gave me the runaround. Would not tell me any of their names or where they were located. Asked if they were going to take care of my overdraft, late, and reconnect fees and all they could do is stutter. Customer service is a joke and they don't care one but about anyone but themselves. They better pray to whatever God they pray to that my funds are released sooner. I live on a military base in Arizona and this is how they treat people who will die for their freedom, makes me want to use them as a decoy.

The merchant was supposed to issue me 4 percent cash back of the total amount of $60000 but I didn’t even receive 1 precent of that back and the merchant than agreed to issue me less than what i was supposed to receive in cash back! Which first they offered me $3000 and then they offered me $2000 and I added a screenshot of the partial of the canceled transactions I had to withdraw which it’s not the total $60000 amount. It’s $48000 since that’s what I had access to!! As evidence! Along with I was scammed and cheated and mislead and false advertising and cashback offers! So I need my money back! Since the merchant already have had profited off of me and yet still not had issued me the right and the correct cashback!

I transferred forty dollars from my Chime checking account to my credit builder card. I used a chime ATM to withdraw the funds and I didn't receive them but I got a receipt acting as if it released the funds. I contact chime immediately to let them know and they said the system would update the next day and the funds would be credited back. Long story short I never received my money. They told me they have 90 days to make a decision. I won't be using them again ever in life because these corporations forget we're the reason they're in business and to steal customer's money and act as if it's nothing concerns me. Chime I have banked with you for three years however had I known that customers are handled poorly I wouldn't have use them

Chime’s security is insufficient, allowing hackers to link an unauthorized account to my Chime account. A hacker breached Chime’s system and linked an unrecognized external bank account ending in #**, with routing number ** (a hacker’s bank account in Florida), to my Chime account. As a result, transfer was directed to the hacker’s account instead of mine. The scammer manipulated the system, replacing the linked external bank account with their own, leading to unauthorized transfer from my Chime account directly into their account. Despite multiple calls to Chime, they failed to acknowledge the fraudulent linked account, refused to chase down the fraudulent linked account, and took no corrective action to resolve the issue.

They returned my check that the state government sent me without notifying me all because it had my last name on it they even though I set my account up to receive direct deposit. Chime always stops pay.

"WARNING TO ALL WHO ARE THINKING OF USING THIS BANK" "DON'T!" Banks are supposed to protect your money and Chime most certainly will not. When I got sent a message of a suspicious activity on my account I immediately informed them it wasn't me and froze my card and account. That should have been the end of it but it wasn't. They put the charge through anyway (for a very large amount). After I called them and disputed the charges they told me I had to wait 10-20 business days for it to be resolved. After almost 2 weeks I received an email that "no error had occurred". I'm disabled and on a fixed income and I only shop at 3 places with this card that was used. They were informed of this when I first filed a complaint and if they had really investigated this they would have seen that, but when I contacted them this last time they actually laughed at my situation.

It's an ok program but they will eat you alive with all the fees!! Every single time I take money out it costs me $5 because there are no in network arms! Wouldn't recommend. Even with having my direct deposit going to them. I pay about $40 to $50 a month.

Only had this account for about a month and I feel like they are scammers. They just lower people in to get account set up and don’t fulfill their promises. All I heard was excuse after excuse of why I’m not eligible for the rewards that they promise you when you open up an account. Account closed.

My only complaint about Chime is their policy that you have to have a direct deposit every 34 days to qualify for and keep access to SpotMe and MyPay. I'm a senior citizen and my only income is Social Security retirement benefits, and I'm sure there are many of seniors who use Chime. There are a few times per year that there is a period of 35 days between the monthly Social Security payments. Seems slightly discriminatory against senior citizens. We can't change the Social Security payment schedule, but Chime could change their policy by adding ONE DAY to their requirement.

I have been trying for nearly nine months to get these clowns to release the money from a deceased relative's account. I have all the paperwork, death certificate, etc. The guy I spoke to on the phone sounded like a teenager and told me to send the info in by email. This was after I looked on their website and it told me I had to call them. Don't even bother calling them, I'm warning you, they are unprofessional and useless.

Lousy services. No one can answer my questions. Back and forth on the phone is so annoying. Not recommend at all. Ask simple questions and you would think am asking them a trick questions. Will cancel my Chime card.

They take away my pay for no reason and refuse to explain why, ZERO TRANSPARENCY 👎👎👎👎. I called customer service and spoke to 7 different people. None of which could tell me anything about the situation.

You’re better off getting a regular account. I've been with them for years and the my pay is a scam! They change the amounts when they see fit. It’s terrible what they’re doing to people. I’ve read so many people stuck because of this feature. The spot me never goes up either. I have plenty of direct deposits going into that account too but I’m about to change everything over to my real bank.

I was issued a refund by a merchant 7 days ago but Chime still refuses to release my funds. Each time I call, a rep continues giving me the runaround and a different excuse. Never in my life with a real bank have I dealt with this.

Definitely overhyped. People say you get your check early but I never have. As a matter of fact I get my checks faster with normal banks. I also hate the Spot Me and My Pay feature. They just put you in dept really fast if you end up using them a lot which you have to as soon as you use it once because you have to pay back into them. I really wouldn’t recommend Chime. I’ll be closing my account and going back to Chase.

I wish I could give them a negative star. I was due a refund of 514 dollars before closing my account and Chime refuses to give me my money. They have given me the run around the last two months almost and the workers are trained to tell you the same thing! Complaint filed and awaiting the response.

I used Chime for four years straight, and never had any issue. Until somebody went on an unauthorized shopping spree with my debit card. Chime's fraud prevention system caught most of the charges, but there was one they did not catch. I don't know how chime can reasonably suggest that some of the charges made on this random website are fraudulent, but the other charges that were made on this website at the exact same time are not. Clearly, if a $600 rental car was fraud, so is the $300 hotel room made a few minutes later. When I filed the dispute, I thought it was odd how chime was giving me the third degree. Well hindsight is 2020 and now I understand why they were doing that.

Chime was good up until one of their agents reported my cards lost/stolen. Kept me from getting my money and said they wasn't concerned about my financial status and wouldn't fix the situation. 0 sympathy.

I pray no one ever has a valid fraud claim with Chime, it feels like being double scammed. Even with a screenshot from the company I was being scammed by, Chime has stated no error occured. This after being on the phone during the scam and through it Chime allowed the debts to go through the account and now refuse to stand behind a consumer who was a victim to fraud. The Police department has accepted my fraud report, however, Chime does not.

I opened the Chime account and put $50 in it 2 days ago. Then I realized I could not use the Chime virtual card which their website says I can and that my virtual Chime card has been activated. What I've tried to use it it tells me the card has not been activated. I call in and the people tell me they have activated it. Now I'm being told that I can't do anything until I get my physical card which will be February 5th. Therefore I have $50 tied up with chime that I cannot access until February 5th. This is not what they claim when you open an account. They claim that you have instant access to your money. These people are liars. These people are scam artists. These people need to be investigated by the federal government and they need to be closed down. They do not need to be in business. They are totally unprofessional and can't be trusted!

I have been a customer for 5 years and this is the worst experience ever. I filed a dispute and it has been denied 4 times and I have sent in all documented needed to prove it wasn't me. I sent in a police report, video and pictures of my car being broken into, my work history showing I was working during the time of the transactions being made. If you are new to Chime I strongly advise not to sign up; they do not protect their customers and it was only over $246 transaction.

This is a truthful review. I am actually a Chime customer. My credit score was 530 and Chime got it up the 758. I used the Chime credit builder card and paid for everything with it. But I never considered them a real bank so I have another bank account for direct deposit. I withdraw from my real bank and refill the Chime card at any Walgreens. I know it's inconvenient but I'd rather be safe than sorry. I only transfer money to the credit builder card when I'm about to buy something.

I got Chime for their Credit Builder credit card. Although I have a checking account at a different bank, I needed a Chime Checking so I could deposit funds to be transferred onto the credit builder card. After close to 10 hrs on the phone with their uneducated customer service, I learned some things they don't tell you upfront. The only real way to deposit funds into your checking account is with direct deposit of your paycheck. They have rejected every check deposit, from several banks, that I have tried to deposit. They claim you can deposit up to $10K per month but there's no way to do that unless that's your paycheck. They do allow you to transfer from an external debit card but that's limited to $500 per month. Overall a big disappointment and extremely difficult member services department.

CHIME My Pay SUCKS!!!! They give you money you pay it back, then they increase it a lot, then take it back out of your check then decrease the amount you can get. Say you can get $200, they take it back then give you like $23 a day. I need that $200 I just paid you to pay my bills. So now I can't pay my bills, everything is late and I'm getting 20 a day after they took 3/4 of my check. No thank you!!! So done!!! When I get out of this mess I am cutting Chime totally out of my life and so is everyone I know.

I thought Chime was a decent bank. One just should keep on mind that it is a online bank, so that means horrible customer service, if there's an issue that needs the help of a human, well you're in trouble. But they pride themselves on we early pay because they're an online bank?!? How that is supposed to work is you don't have to worry about bank holidays for deposits, well it did not anymore. They change the rules when convenient. I get my deposits on Sundays, well They're holding it because of MLK day on Monday? Make no sense so I won't get my check until Tuesday.. That's the difference between eating or starving when you live check to check. After this deposit I will switch, and about 8 other I work with.

I sent 180 dollars to wrong person and it was my fault but Chime said they could not get money back for me even though I called them 2 minutes after I made the error so I am out 180 dollars. Why could Chime not stop payment or reverse charge. 180 dollars out of my pocket and no help from Chime.

Hi Consumer, I am a member of Chime online bank. Yesterday on 01/14 I was scammed by a guy from Craigslist while searching for a room. I explained my incident to Chime and submitted a dispute for the unauthorized charges made by the scammer. Within two business days Chime sends me an email telling me they will not refund my money after doing a complete investigation. Chime is aiding scammers to hack my account and to take my hard earned salary whenever they please.

I've had my Chime card for over a year...Don't use it for anything major..No direct Deposit...used mostly as a Debit...where I've deposited at a local place, WALGREENS, that allows me to put my cash in.. Lately, I've attempted 2 Personal check deposit...Mobile checking....The 1st one said 7 days til it cleared, which I get..it took 8 DAYS...SMH. The 2nd attempt was from the SAME bank, said it will take 6 days!!!! I find an HUGE issue with this.... Most likely will be throwing my card in the trash....they are USING MY $ for 6 days....then release it when they want... Chime...ZERO on Customer service..you can't get a LIVE person!!

Chime support team text me a fraud alert message asking if I made the purchase. When I replied no they immediately called me and said I needed to close my account. They told me I needed to transfer my money into a safe account and it would be available to me in 1-2 hours after a new account was opened. My money never showed up and my account was never closed. Long story short Chime stole my money and is refusing to give it back.

(Warning) Chime steals customers money, or if a patrons money is stolen Chime will give you the run around, Chime is very notorious for manipulating paper work and other documentation. Chime as a company will falter so badly that they will never ever recover, Chime will have to account for all of the money that they owe millions of loyal past patrons, Chime will have to pay every last dollar back including back pay. The customer service is 100% trash the owner of Chime will pay through prosperity and now all of his or her money is now all of our money. I will never do business with this company ever again, Chime has lost my full trust in them 100% The owner of chime will be homeless and they will feel our pain and know what desolation is like until Chime makes it right with all past patrons that they owe massive amounts of money to.

Chime banking is fraud and scam friendly, I been disputing transactions since the beginning of last summer. They are absolutely disgusting with their security measures I have replaced well over 6 cards. And every time the new card came by time I activated it. It was a transaction coming out from a different states. Chime is a AWFUL COMPANY AND FRAUD AND SCAM FRIENDLY. I highly recommend that you use it for little things 'cause chime do not care for the people. If it’s that simple for a new card to be hacked or whatever chime is letting happen to us our hard earned money is being stolen by chime.

They like to steal from their banking members and refuse to acknowledge this fact. Plus you can't understand any of the customer service staff. It just means they do not care about any of the people that they serve.

Terrible. Will take your funds and say it was a deposit and rip offs with poor customer service and doesn't care about its customers even if the customer proves to be correct. I would advise don’t use..

I don't know who out there lowers your credit just by using your credit and paying it back. Usually that builds more credit. Not with Chime. I deposit almost 550 a week in there and they always get their money back that I borrow.

I have used Chime for many years up until around Oct. 2024. They were wonderful. I got my check early, had $200 in case I ever needed it. It worked great. Last year I noticed a virtual vendor was taking $6.95, $29.95, $24.50 anywhere from $60 -$100 per month for over a year. I have no idea who this was. I had never given my card to anyone nor was I signed up on any recurring charges. I caught this and spoke to Chime about it and they canceled my card and sent a new one and refunded me only $17 back from what this person was taking? Why I never authorized this person to my account. I get my new card and long behold this virtual vendor was STILL deducting random money amounts from my card. Sometimes 3 times in one day. How? I literally just got my new card in the mail. They have my account number and routing number which I do not give to anyone.

My wife and I have had Chime for 3 years now and have no issues. They have help our credit score, it's easy to send money back and forth, they will even decline any charges that seem off and ask if it's legit before approving. I have 0 complaints.

Initially I had high hopes for Chime. I started seeing deceitfulness in their initial claims immediately. I contacted customer service immediately. Twice they were absolutely no help. The third time they refunded fees that were charged to my "fee free" account. They do not honor their offer of $100 to switch to Chime with direct deposit. They do it by setting a deadline they know you can not meet of 45 days. They tell you the moment you actually switch your direct deposit that it takes 2 cycles. You are only allowed 1 cycle. I left the direct deposit active but after receiving my 1st deposit they charged fees on my account. I spent at least 15 minutes on a chat before they understood my concern well enough to refund fees. I had trouble getting cash from ATM's. I felt deceived and distrustful from day one. I removed my direct deposit. They do not care... naturally.

Chime closed my account saying it didn’t go with the guidelines. I literally opened it 3 years ago. Never use it, never did a transaction. Told me they don’t know why it’s closed, they just closed it & can’t open a new one. This is crazy, how could you close someone account that never use the account then tell them they can try to make a new one.

Customer service sucks. Got authorization to have a charge removed from a merchant. And they wouldn’t even help me. I’m removing my money from this account and closing it out. I’ve never worked with a bank that cares so little for their customers. Would not recommend anybody to use them. Worst bank ever.

Do not sign up with Chime. It’s a scam for refer a friend.They have you to refer all your friends and family and say you get a bonus. That’s a lie. I referred friends and didn’t receive any deposits. Then I called multiple times. Now they saying the people didn’t receive a deposit within a time frame. I knew it was a scam so they don’t have to pay you for any referrals. I’m going back to Venmo. I never had any problems with them.

You can't get loans with a Chime card and the my pay. How they say you can get a lump sum? A lie. It's not worth it and it will mess paying your bill because they only let you get what they post and when it's paid all back you back at getting a small amount. Not worth using but the card is good to have but not for those 2 thinks.

Chime policies intentionally restrict access to funds. Chime makes it very difficult to contact customer service. Additionally, customer service is managed by out-of-country call centers with language barriers/issues. Horrible bank, horrible customer service!

I can say one good thing about Chime is that you get your money earlier than 2 days. They have been getting my direct deposit for 7 years and I've only thing I've been getting is spot me overdraft for $30 so they finally gave me mypay so I got $150 advance so with $150 I can only get $20 at a time, where you let it build up to the 150th and then take the whole thing out. But I have to pay $2 every time I will take something and get it right away. So last month they let me get 280, how to get the whole thing out, cool. So this month I'm thinking, I'm going to get the whole 280 again for Christmas time.

I would not recommend anybody to deposit nothing to try after business hours they put people on the line that you cannot understand in other countries I’ll call back so I could get another agent. The same agent came online on my phone saying he was a supervisor same voice I hung up. I’ll call back And they put a lady on the phone. They do not answer your questions. They do not hold up to the advertisement and they put it off on people from another country at night, specialist told me my check was been deposit, told me the amount and everything. I called that night, they take me around the circle. I don’t care what kind of reviews they put out. They ain’t nothing. I will say the language I wanna say, I’m through a child and I’ve been with him two years.

I have had the most worst experience in my life. Do not I repeat do not use Chime. It will save you a lot of lost and suffering. I have to come up with some money so I can file a lawsuit against them. Money was constantly taken out of my account and returned several weeks later. My direct deposit was distributed late I mean I have been hung up on when I called to express my concerns. Every time I called it seemed as if they couldn’t understand English.

They owe me money and refuse to repay it due to a mistake on their end. I've called 9 times to dispute and they keep sending info off to resolution dept and nothing is being done. So next step is BBB.

Company has no actual person to help you with disputes. Got scammed by a fake travel agency and the hotel operations manager literally wrote a email explaining our situation but because it's all automated they deemed the scam company did nothing wrong. If you like not having customer service this is the bank for you.

I received my payment on time.

I have never in my life had a worse experience with a bank. DO NOT TRUST THEM WITH YOUR MONEY. I decided to try something different with banking. All of their promises with get paid early, build credit etc. They just want your direct deposit and in my case, the money just "disappeared", they have no record at all of my direct deposit. My employer has confirmed with me the account and routing number repeatedly. I have a record of the deposit being made to them 5 days ago. According to them, nothing. Never received. No record of the same. Their customer service is terrible. I have yet to find anyone who can even answer a simple question. Don't be fooled by their commercials of the ease of banking with them. In my case, my money just never showed up. Nothing has been resolved.

My poor daughter opened an account with Chime. She works gigs so she has her money go into the Chime account From this temp job there was $8K sent to her account over the period of 3 months I believe. There was something wrong with the atm card and she asked them to reset the password, which they never did. Then she asked them to send her another card, same address, provided ID and all. This was January 2023. Someone called from Chime in February 2023 promising to closed the account and mail her money. Never did. And to this day has never heard from Chime. There is no phone number and they will not respond online in the chat room.

Don't do business with this company....I have had a very heart breaking experience with Chime Bank....A SSI check came to my direct payment and they Freaking Took My Money. Yes you heard this. Bank took my money and so I closed out my account ASAP. I can't pay my rent or buy food for Christmas. How Freaking petty are they for real. People have lives and family but there is a God and I will be blessed without the money this Freaking Bank Took. Ahh Man am I pissed off at this situation.

My paycheck hit at 3:16 am and in a minute 3:17 all my money was stolen with hidden fees and unauthorized transfers. Called customer service to dispute multiple times and was transferred till the call dropped. After hours and over 16 different people all asking my name and personal information and many different departments I closed the Chime account with no money for my kid's Christmas. How do you think they make their money? They steal it.

I absolutely love Chime, but I would like to be able to freeze and unfreeze my card on the opening screen instead of having to go to three different screens to lock my card and unlock my card. Also, I live in a rural area that doesn’t have a chime, ATM and I would like to have the ATM here in Chillicothe, Missouri. A bunch of us have it and wish that we could have an ATM so we could avoid ATM fees. The closest one to us is about 25 miles west of us with less people.

HORRIBLE BANK! Transfers are a mess,,, I believe it's the middle man account they use to transfer money,,, Other accounts I have is instant but Chime is held up in the transfer middlemen. Worst bank I have ever dealt with! Will be closing the account as soon as my money shows up.

My mother is on SSI and I referred her to open Chime account. I explained to the customer service that her direct deposit would not be there for 2 months because it takes that long to change. The rep said that was not a problem. Now direct deposit is in Chime, I called for the referral and am told no I could not get it because it was passed the time frame. Also, the rep told me that SSI checks could be changed in 7 days. We have documents from SSI stating it takes two months to change banks. Chime reps are liars and they do not stand by what they say. I feel this is a discrimination against elderly and people with disabilities that are on SSI.

Not worth it! They advertise 3 days early and 200 overdraft fee and that is a lie. My BOA is faster than them. I have had Chime for a year now and I'm at a 40 overdraft coverage also I get paid 2 days early same as any legit bank. You can hardly understand customer service reps! They have NO clue about American banking. I would not recommend at all.

I successfully referred a friend but because they didn't have direct deposit I didn't receive the referral money. It isn't advertised that way. It just says refer a friend and receive $200. They don't state it that way. And now my friend thinks it is just a scam. And I'm starting to believe it myself.

I am rejecting this response because: I am very unhappy with the results and this case. Just a sixth times that I appeal the case and I never seen no investigator has not provided no answers or no evidence to me and I requested documents. So basically that tells me that you're fake falsifying investigators are not no real investigators. Anybody is a real investigator would know that when somebody is sending over 20 different screenshots proving to them that I didn't know who this person is. When they close a case and state that they need more evidence. How is that possible. They have not provided me with no evidence no documents. You cannot sit here and use documents that I use that is falsifying and investigation.

On 12/11/24 I received 4 email messages from Chime stating that I logged into my Chime account and set up a passkey and changed my phone number. I immediately contacted Chime due to the fact that I have never had a Chime account. When I inquired as to when this account was set up they wouldn’t give me that information, even after I verified the last 4 digits of my SS# and the email address which was mine. They advised me that I could not get any other information unless I filed a police report (for fraud) or filed a complaint with the FTC. I also inquired, from Chime what type of physical identification they require to open an account. They told me that they did require a photo ID and then 2 seconds later, they told me that they do not require any type of physical ID, ie., Drivers License, Passport, etc. I then filed a complaint with the FTC and emailed Chime with the report#.

I have had my Chime account for three years and have zero complaints. It is the easiest and best bank that I have ever had. My check is deposited two days before my coworkers and I have both checking and savings. I have increased my credit score and have been able to get a Discover card. The Credit Builder card is excellent. This company has the best customer service ever. You will not be disappointed with this bank!

I've had 2 problems with this bank. 1.They didn't cancel my debit card after I both called and chatted online with someone to cancel it and they promised to do so and upon receiving my direct deposit I noticed a charge for $109 on my account that was not supposed to be there. When I disputed the charge they denied my dispute and I have screenshots of the chat conversation I had with an employee telling them plain to cancel it. So I get an checking account at a regular bank and 10 days after I opened it a check was stolen from my starter checks, my name forged, the check made out to "cash" and mobile deposited into a Chime account.

I was hung up on twice. I have a sibling that had stroke on 9/25/24. She wanted me to be her power of attorney and siblings. It was done legally. Durable power of attorney and healthcare power of attorney Documents notarized and legal. I was on the phone for an hour Thursday and today. I submitted legal documentation and both my Identity via ID. I was told via email that documents were not legal and banking was not on there which was. I was told I needed to consult an attorney. Just to get legal information for her to receive the necessary care. I am upset. Date of experience: December 06, 2024.

I thought by switching to Chime would be better than having Credit Karma. Boy was I wrong .. I’ve set up direct deposit over 3 weeks ago.. And my payroll company has the correct banking information and says waiting to be verified from my bank. However I’ve verified and still 3 days later haven’t received my check .. The whole point of putting direct deposit info in 3 weeks or more ago was so this didn’t happen .. And when I call they tell me contact my payroll. They can’t help me 'cause they're the receiving end. They don’t see a pending deposit .. So if my payroll has everything correct and says it’s going to that account and I been verified where is it??? Chime can’t see it and my payroll says it’s sent to them ..

I am furious, sad and stressed with Christmas around the corner. Chime has rejected my last THREE direct deposits consecutively from my employer. I have a government job! This means I’ve had ~$6000 tied up that I cannot access of my pay. This has created a huge financial hardship for me. I am a single mother. Today I called customer service to ask why this current check was returned/rejected and they had NO ANSWER for me. They couldn’t see any reason for it but it happened anyway. Their response is, “There’s nothing we can do about it. It’s already been rejected”. This is 100% unacceptable. I will have to close my accounts and urge everyone I know to do the same.

Chime always close to never pay me 2 days early. Sometimes my deposit come at 10 pm or the next day. I’m waiting to pay my rent. Still nothing. My employer deposited my check on time every pay period and I still don’t get my money. I’m changing from chime asap. This too much.

It's great if it's transfer from people of family. Don't give them your direct deposit. Nothing but bad from me and crazy customers service. You have to almost lose your mind wondering where your money is went to. My employer sent the money 10 times, Chime claim to not know till I had hard info. Not worth the hassle

Lost my card, and someone found it and immediately drained the money. I reported my card lost and started a dispute, which was denied in less than 24 hours. Every single person I've talked to on the phone has given me a different story. First, they requested more information to support my claim, I did that. Then I was told the money would be refunded on the 10th, but it wasn't. Then I was told the dispute was closed and no error was found. I then proved to them that the money was spent in a different country and that I was home when the purchase took place. Jay, the manager, told me that he was reopening my case and would handle it personally. He's obviously a liar, because it was almost immediately denied again. I spoke to a manager today, and he literally said "we can't afford to accept every dispute we investigate." I don't give a crap if you can't afford it! I proved to you that it was stolen, and you're just going to ignore me? Think again...

For some reason, mobile check deposit was not activated on my account when I opened it. I have called at least five times to get it activated and it never is activated. There are no issues or problems on my account and never have been. So I could deposit this check to Chime account and was told that I could do that at Walgreens. I specifically asked if I could deposit a check at Walgreens, not cash and was assured by some idiot at Chime that Walgreens would deposit a check to my chime card. I go to Walgreens and guess what? They only deposit cash. So once more, moron who works at Chime didn’t know what the hell he was talking about. Just like the morons who can’t get my mobile check deposit started. I will be leaving and going to Netspend at the end of the year. End of the year.

Absolutely terrible customer service, some of the worst that I've ever had to deal with. They requested a w9 from me, I submitted it, then 3 days later followed up with them to confirm that they had it and they not only confirmed that they had it but confirmed that my account would not be closed on the deadline date. The deadline date comes and my account was closed, despite the fact that their customer service confirmed TWICE that this would not happen. I reach out to their support to rectify the situation. I've been working on it for 2 hours now, I've been hung up on twice, and nobody will take accountability for their mistake. I will be taking my savings account to another bank. Do not mess with this bank AT ALL!!!!

Customer service is the worst, the worst I have ever experienced. They do not know what they are doing. This is now my 6th time calling about the same issue, which they cannot help me with. I do not know what to do, I have spoken to supervisors and different people at all levels of the customer service. Andien the supervisor was very dismissive and extra rude, I really think that they need an overhaul of customer service.

I liked Chime when I first joined but I have had issues with the consistency of information provided from online, and speaking to a representative. I've had rude representatives that have hung up in the midst of the call, never called back. I deposited a check online which provided that it would take 4 business days. When I spoke to the representative, I was told it was 5 business days. Having my other bank accounts, they at least release $100 and take 3 business days to process the rest. Chime does the entire check for 5 business days. Their deposits use to process sooner but have changed and no one working with Chime seems to know the actual days for processing. So, I'll stick with my other bank for deposits at this point. It makes me not feel safe with cashing checks with Chime.

Unhelpful in every way. Their customer service is non-existent. They can't help and it takes ten days to deposit a payroll check? Unacceptable and I'll definitely never be using their service or any other similar services again. Just go to a real bank with real bankers.

I wouldn't even give them 1 star.. Chime does not value their customers. They are aware that people can hack and scam your accounts. They do very little to investigate.. They are no better than Cash App.. Cash App is another company that is in a lawsuit due to people personal information being compromised.

I had a child for 2 years now and it has been completely stressful like they won't give you any money when you ask them. They've been selfish. I waited 30 days for a long or more. It's been a whole year. I asked them to that I was going to start complaining about this because like I said I've been having this bank for two and a half years and they still haven't even gave me my mom my loan. So now I'm kind of experiencing nothing but bad times. Went long time.

I have been a Chime member for many years with absolutely no complaints, issues errors etc. Until last week when my direct deposit was returned stating my account was closed!! Working with 5 agents each giving different answers as to why!! Requesting information I had already sent them. Creating a ticket # with the promise of a result within 4 hrs. One telling me she sees what the problem was a toggle not being set correctly, she fixed and reassured me Tuesday funds would be there!! No funds of course!

So I got scammed out of $50 off of a Facebook scam website. I submitted all the emails from Wayfair saying that the order number doesn't exist. It's only supposed to be 10 digits long along with the email from the person I bought my item from doesn't even coincide with the customer support from Wayfair. They literally help the people scam me out of my money and even with submitting the fake tracking number that's still I input today says does not exist, not found and it's like they literally help these people scam money because it has to be a robot or something and not a human being doing the dispute. This is crazy.

Don't expect any help from the CEO or upper management. At. All. Which is why the CSRs do and say what they do. They know nothing will be said or done to them. Explains the numerous complaints and claims against Chime also because again the ceo does nothing.

I talked mom into making account. We called Social Security and they stated that the earliest direct deposit they could do was 54 days. We instantly called Chime and we were told that we could still get the $100 free each as long as we call and talk to a supervisor. Well I did call and they would not credit us the promotion money even though they have a recording of the employee assuring us we would for sure get the $100 each. Mom's main bank account closed down now because she was talked into keeping Chime account for that free money. Could not be more disappointed in Chime for lying to us, and having us go through complete chaos because of them.

Avoid using the "Pay Anyone" feature. I typed in the correct phone number of the receiver as instructed, and it sent the money to a complete stranger. Poor customer experience. Chime refused to reimburse the money even though it was an error within their product. Be very careful. There are better bank options out there.

I am so disappointed with Chime. I can't even bare to see the commercials. Get up to 500 before payday. False advertising, I had over 6 direct deposits. Meet all the requirements, now it's saying military family can't be verified. I want my money when I was told I could receive before payday. Before payday, it say $50 my pay, can't access that either. It only allow me yo use $20 if I need to go over if no money on the card. I'm changing my bank, due to misleading information.

I used to like Chime until I needed their help disputing a major scam pulled on my account. I was completed wiped out and they refused to help me. They stated no error was made, when I immediate called about my entire account being stolen. They do not have any protection for their customers and refuse to help. I will never use their app again!

Horrible customer service. If they do not Choose to talk to you... you are placed on hold In The Bermuda triangle. The recording says 20 minutes and another 20. After 40 minutes all you get is apologize. Why they cannot allow you to access your own. Money. I've never dealt with a bank like this. What should one expect when dealing with a subpar banking institution. I called. They assured me my funds would be available after 3 days. Bank to bank to bank transfer. All I've experienced is a rash of misleading gobble gook.

Please stop trying to steal my funds. Chime moved money to my debit card. I had automatically requested to have my direct deposit sent to the Credit Builder card and they moved the money to my debit card. I think they are thieves. I have 4 kids to feed!

I've been a customer since 2014. It's 2024. It was never my primary bank, but I deposited/p2p regularly. Today, at 4:31pm, I got an email stating my account was closed due to law enforcement request. I immediately called Chime. They informed me my account "did not follow compliance," but could not elaborate on wtf that meant. I am only calm writing this because the accounts had less than $5 in them this month. Again, it was only a secondary account. But to not give adequate notice, and to not have substantial information as to why the account was closed has really upset me. It could happen to you, so just be careful.

Horrible, chat online sends you in an endless loop. It will ask you if you want to talk live in chat or get a phone call but your response is ignored. It goes round and round… Chat cannot provide a solution. It just sends you round and round. Also the customer service phone does not work, recorded message -not available! This could be good service but not for the hassle…. They have some of my money but I cannot access it even with the “virtual card” whose number are temporarily unavailable’. I did get a call asking me touch 1 which I did and they promptly hung up on me! Nice.

Got to go thru 5 or more customer service agents to get the right answer! You will be on the phone in less than 3 hours if you're lucky! They promise overdrafts they do not give! Very horrible horrible customer service! Do not use Chime Bank! I wish I would have listened to everyone that told me do not use chime Bank!

Worst bank ever! No refunds! If you file a dispute they pay you what you paid then take it away and your account is overdrawn, I have had nothing but problems with their CSRs hanging up on me and being rude. Talking down to me, using phrases like "You don't know what you're talking about". It's never them that is the problem! Really awful bank. I do NOT RECOMMEND!

Chime set up an account fraudulently in my name. When I requested that they remove the inquiry from my credit report, they refused, stating it was not their policy. The company representatives pretend that they cannot hear you when you can in from a phone number that they know there are issues with. The US should do a better job of shutting these companies down. I would rate them zero if it was available.

If I could leave negative stars I would. Chime is the worst bank ever. They let people hack into your account and won't refund what was stolen. No one can speak or even understand English. They closed my account and now they refuse to send me the $300 that was in my account. It's been almost 3 months since my account was closed and I still haven't seen one dime of MY money. If you're looking for a decent bank chime is NOT the way to go. You would be better off with a prepaid card

I signed up for Chime's Credit Builder credit card over a year ago, hoping it would help boost my credit score as promised. I used the card regularly, paid off balances, and followed all their guidelines. Yet, after more than a year, my credit hasn’t improved at all. To be clear, this has nothing to do with damaged credit history—I have a new social security number and wasn’t trying to rebuild anything from the ground up.

I have been with Chime going on 3 months. Initially I was very pleased and I appreciate that they allowed me to open account due to my past banking history. I am rebuilding my credit and I saw on the chime advertising how joining could help me to rebuild. I also liked the fact that they have the mypay where you can get an advance and when your paycheck deposits it is repaid. Initially they started out giving me 50 dollars to tap into and after my 3rd deposit it increased to 100 and thereafter 200 and just 2 weeks ago it increased to 400... so my deposit this morning paid back the 360... I was ok because I knew I could re-borrow because I paid it off... wrong!

I had good experiences at first. Activated deals in the app and got money back on gas purchases, until they didn't give me a couple of them. I even sent them a picture of the receipt proving it was within the time frame and they still didn't give it to me. The most recent ordeal, I transferred money from my bank to my chime and they told me last thursday that they could see it. If they can see it, why isn't it in my account? I called twice today and got two different answers.

My mother in law had a stroke and we were checking her emails. She was getting scammed by romance scams and they were having her send wire transfers through Chime. We called them to alert them about the fraud and they couldn’t care less. Terrible customer service. No integrity in banking.

They take forever to complete getting your money back into your account. I feel like they don’t believe me that I did not do those transactions. I used to like working with Chime but not so much lately.

I had unauthorized charges. They denied claim twice. Never reached out to merchants even though none of my information matches the merchant. They keep sending questions they asked me as proof which the questions were answered properly. The stuff would hang up on me and keep denying the claim and not reaching out to merchant.

I rented a car and it had fume gas leak. I ALMOST died and they denied my dispute! And they outsourcing the customer service out the US. They will not help you not one bit. I wouldn't put a dime in this bank because it's scary they don't know when your deposit will be returned.

These people claim to be a bank and are not a bank. They robbed my account over and over and I will take it to Washington DC.. Tired of these fake wanna be banks!!!! Not a bank so don't add money. They will steal it all!!!!

I used the mail a check feature to pay my rent. The check is very late or lost in the mail. I had to pull together a whole rent payment to pay a week late and still haven’t gotten this check. Chime tells me I have to wait 180 days for my check to simply expire and it’s for $1,231 that’s just floating around that I need for my rent. They tell me they can’t cancel my check and give me the money back. They can take the money instantly but can’t give it back in good time at all, there’s no way they can return my money?

Don’t expect a deposit to be available right away. Had several problems when switching over my direct deposit. Ended up switching back to a local bank. Thought I’d give it one more try as a 2nd account so I transferred $ from my local bank to Chime, even though it was deducted from my local bank 5 days ago still isn’t reflecting in Chime bank. As soon as it shows up taking it out and closing account.

I attempted to make a withdraw at a local gas station, typed in the amount to withdraw and immediately the atm said out of service however Chime deducted the money from my account however I didn’t receive the cash. I notified Chime immediately they said it would be credited back within 24 hours. Never was credited to my account. I called Chime, they put in a dispute to the atm company. Status was denied and I’m screwed out of 200$. They don’t fight to help you with a situation. They basically said too bad for you. I’m closing my Chime and going to a real bank. Don’t trust Chime, they are scammers.

I’ve had Chime for several months. The beginning was great but now not so much. Transactions are moved to later dates causing double payment debited from account. Do not use Chime. I’m really disappointed!

Chime is refusing to give any of my money back. Money was taken out of my account without my knowledge and I did not authorize it. When I called to see if I could get a credit for it, they all of a sudden stated that nothing was wrong with my account and found nothing wrong with it. They did not even do a proper investigation to not really look into it. My account is now out $500 because of this and they refuse to give me any money back. There is no customer service and when you do call the customer service all they do is lie. None of them are even in the United States.

When Chime wouldn't let me deposit my large check into my account in my name but asked me to go get it put in someone else's name and then I could deposit it. It's my account. That was just too suspicious to me. I closed my account. I've been with Chime for years.

While I appreciate the benefits of the credit builder card and have seen an increase in my credit score in a few months time, the My Pay is clearly full of errors. It was offered unsolicited by me and I accepted the full amount then repaid the full amount. I accepted it again then repeat. Then this week it was repaid but the offer dropped to $12!! Now I’m trapped at a time I am trying to start a new RN position and I have no money to work with even though I meet all requirements! I’ve been listening to this horrible hold music for over 80 minutes with 3 different reps who all say the error is on Chime’s part and it will be corrected but it is not corrected. Come on Chime! Could I please run, grab some groceries for my family?

I must disabled senior and a recent victim of SIM card hijack I had never heard of this prior to July. They took over the majority of all my accounts, got $2,200 out of my checking account which I'm on SSDI so it was basically one and a half paychecks. I was left with absolutely no money. I have limited resources outside of myself. When I realized what was going on and I contacted chime the first dispute was denied within 24 hours. I also had not had all my documentation uploaded police reports and filing with the FCC and all of this because I was just learning what all I had to do and I'm technically challenged when it comes to such things and my eyesight isn't great.

I've used Chime and slowly built up some credit but my issues is a scammer used Chime's services to scam me and the wife. I called with a police report and the only thing they could do was put a scam tag on the profile and say how sorry they are. If you send any money even to a scammer you won't get it back from Chime. They don't really care or just can't do anything about it according to Chime support and their dispute department. I hope this helps someone in the future.

I have to provide my income, income resource and my job area in order to set up an account, I have to have a physical Chime card in order to transfer the money from Chime to another bank! This is manipulation and I can't believe how people can use it.

I have called several times about the same issue. They keep promising me it's going to be fixed and days later it's still not so I have to call back again. This has been going on since early September. I believe the first call was on the 5th. It is now September 23rd. Issue is still not resolved and they tell me that the managers are all too busy to get on the phone with me but that they are looking into fixing my issue? The problem with this bank is as soon as there's a problem there is nobody to go to to get it fixed. All you do is call and talk to somebody that is a completely useless person with absolutely no power. All they can do is send an email and that email goes into some void that doesn't get responded to. So don't use this Bank and if you do make sure that whatever money you put in it you don't need to access because if you do and you have a problem you're not going to be able to solve it.

“Run for the Hills”! Chime Sucks! Yes, Chime does really suck. They were great until my direct deposit stopped. Not helpful or willing to stop a mobile check deposit that was ‘all of a sudden’ going to take over a week to clear. I think it was because I had stopped my one direct deposit and hadn’t been able to start the new one, which by the way was their fault as well. So, let me explain… When getting direct deposit they would spot me some of my mobile deposit until it cleared in 3 days. Once my direct deposit stopped from my one job they changed. I was planning on setting up another direct deposit off my pension but they were having problems setting it up and I just hadn’t had the chance to contact the company and have them set up the direct deposit. I made two deposit that they were requiring more than a week to credit.

Today I ordered a new card through the bot chat link. As soon as I did they deactivated my card. Now I have to wait for the new card to get mailed to me. Every other bank lets you use the card till the other shows up. When, I try to talk with them they say that it's not possible to reactivate my old card.

The Chime app works like any other except the new My Pay option. It is supposed to be a get up to $500. I have got enough deposits for my credit to be $250. With each deposit you pay back what’s been giving as credit. Only problem it’s giving back $26 a day. So if you depend on every dime of your direct deposit don’t start borrowing.

Very recently a bank transfer was initiated from Chime to another bank. What I did not know was that the OTHER bank were having ACH/transfer issues so, obviously, the transaction was not processed. To my surprise, Chime DISABLED my account until I could prove what the problem was at the OTHER BANK. I was given instructions on what to provide Chime to restore service to my account. Upon doing so, it was NOT enough. I was then asked to provide FURTHER proof to which that too was provided.

I was a Chime customer for almost three years. One day, out of the blue, I received notification that my account was being closed. Customer service could not provide a reason. Customer service stated that the decision was from Bankcorp and that my account activity "violated their terms and conditions." I used Chime as my secondary account to pay my credit card bills and my cell phone bill. The only "activity" on my account was auto-pay payments to Duscover, Chase, Citi, Capital One and AT&T. The decision to close my account with Chime resulted in a major inconvenience because I had to change over all of my auto-pay information for all my account linked to Chime.

Chime has the worst customer ever. I called the only number I could find and after many calls and pressing the number for each and every choice I finally got a human being. The first person I connected with was a woman in the fraud department (I thought that would be the place where I might get a person even though that was not my issue) with a very soft voice and a heavy accent. I had trouble understanding her but she did transfer me to the right place and I talked with Louie who helped me close my account. He was very helpful but it was unnecessarily frustrating to get to him.

The experience I had with Chime has been one of the worst of my life and I want to share it with other consumers so others can avoid them. I hired a tax preparer to do my taxes for this past year. I gave the preparer my routing and account number. Instead of directing the money where I requested, she used my DOB and SSN to open up a fraudulent account through Chime without my authorization. She used an address 300 miles from my home, an email not associated with me and a phone number not associated with me. I have used the same phone number and email for nearly a decade and have accounts with 7-8 major banks. Chime does not require a DL or ID to open an account with them. Chime shipped a card 300 miles from my home and the tax preparer used Chime to steal $6620. When I discovered the fraud the money was long spent.

Horrible service. My $$ is now locked up because of their bogus system. Unable to transfer funds to my debit card or bank account. Customer service was awful; the gal didn't seem to understand how Chime works.

Chime has been ok for the past few years that I've had it for just a basic reloadable debit card. However, there's been several times when it takes forever to be deposited into my account. This week it happened again. I got a check from the IRS for $3000 on Monday, did the mobile deposit that night, and as of Friday, it still hasn't been deposited into my account. And looking at the "track deposit" on the app, it says that it's still hasn't even gone to processing yet. I may keep it as a basic card to load cash onto when needed, but I'll NEVER do this again. Customer service has been HORRIBLE and rude so. It has caused me so much trouble and has actually cost me money in late fees on my bills. It says expected deposit by Friday 9pm but if it still hasn't come through by then, they're gonna have a huge problems on their hands!

Good luck trying to settle a dispute with them. They are the worst. I had called to dispute an overcharge on my card. They noted it as being fraud and sent me another card. No provisional credit. It was the absolute worst.

Hello I was able to speak with Chime and it was my bank and not Chime's fault with the transaction.

My direct deposit is always late & when I go talk to a live person they never no help. Always says it hasn’t come through to their system. It’s been over 2 days. All they say is just wait. Never no real timeline. Smh.

Chime is not actually bank. They don't hold the duties and responsibilities that real banks hold. I had over $600 of straight-up fraud on my account, and Chime refused to refund it, but even worse refuse to consider it. Any request to them was auto-responded by a bot within a minute. I switched back to real banks and life has been all the much better for it.

I've been banking with Chime for about 5 years. And first off my spot me has never went over $100 even though I deposit thousands of dollars every two weeks. My check typically comes every other week at a certain hour within the one hour I always receive it. One time before they made me wait until 9:00 at night to receive my check. Today seems to be the same way. I called Chime support. And the woman slipped up and told me that another department was holding my check for review before they would release it. She was going to tell me they have not received my check yet if I have not already told them I'd spoke to my HR department and had already released it. I'm very frustrated being a loyal customer for them. They sell on great benefits boosting your credit score but if you look at the reviews the reviews don't have very many five stars. It does have its perks and rewards but with all the issues and not returning money.

I have been a customer since 2019 and I have never had any issues up until the last year. Their customer service has completely disintegrated and I cannot reach a human being on either the app or through phone. I have a Matter that needs to be addressed immediately for the life of me cannot get a hold of any human being at all. I’ve tried several times different times of the day and absolutely no assistance from them. I am getting ready to close my account.

Comically bad technical issues all of the time in basically every realm: transactions, support, direct deposit. Transactions get declined all of the time at random places like coffee shops and ticket sales for no reason. The card is not dependable and it takes 20 minutes to talk to an agent.

I use to recommend chime to everyone till one day I get a phone call from someone who said they was from Chime, had all my info and ended up stealing every dime I had and chime would not cover it because I should of known chime would never call me.

I attempted to do a pay anyone transaction. It failed and I've never gotten my money back. I've spent 6 hours on the phone with various responses and no money. Not giving up. I am owed $1000. I will go back to the drawing board.

Do not bank with Chime. I've been a customer for 3 years, evething was good until one day, all the funds in my saving account went missing and no one could tell me what happened. After 2 months of back and forth, they closed down my account, still no funds. Then they told me it had to do with IRS, when I called IRS, they had nothing to do with it. Then, I needed to verify my identity because they suspected that I was fraudulent. I sent the documents 6 times, both by mails and emails. Now we down to 3months, but then at this point, they stop answering to my emails and when I finally got someone on the phone, they gave me a scripted message.

I wish I never started Using Chime. An ATM didn't produce $200 I was trying to get out and the ATM bank, PNC Bank, told me to file a dispute with Chime. I did and Chime said it would take up to 45 days to investigate. 2 days later I get an email saying No Error Occurred. I call Chime and they basically said they didn't even do an investigation. So now I have the BBB trying to fix this and get my $200 back. Their customer service is a joke. And now a $30 refund is taking weeks to get back when it usually takes a day. Chime is not a bank. Chime is the worst. And they'll probably leave a reply under this but it will go nowhere. People should stay away from Chime. Been with them 2 months and they lost me $230 already. I hate Chime. I also got two other people to use Chime and one gets direct deposits but they never gave up money like they say they will. I feel bad for getting my friends on Chime now. They're scam artists.

This company customer service is horrible and outsourced! My mother had account at the time of her death. I have been going back and forth for weeks first by phone and then now with emails to submit the appropriate documents only for it to be kick back saying I didn't submit it right! It Should have been scanned, then the next time it says I should have taken a picture of it with my phone! To top it off they only email me at 11:00 P.M. when I am in bed. Just shows you they are not in the North American TIME Zones. Go to a real bank in your local town. Don't use Chime and if you do....DON'T die, because they will keep your money.

If I could give it a less than one star I would. Terrible experience with Direct Deposit. I did not get my paycheck which I need when living in this tough economy. They told me that it would take 2 billing cycles before I can get paid. Every time I called to check up on it, they would tell me that they do not see any deposits by the company I work for. I spoke with my boss who said that the direct deposit was open one day and was rejected the next. Mind you, I had spoke with a customer service rep earlier that day, who told me that she located my direct deposit and that I should have my paycheck by today. Nope! Nothing!!! I closed the account and now I have to find $ to help pay for this outrageous rent.

Worst customer service to deal with. Nobody can correct “My Pay”. I have to keep calling in every 2 weeks because of the amount I can access. They are making me suffer because my employer isn’t listed for me to connect my account for accuracy. My paycheck has been between $300-$600 and I can only access $80. They give you the runaround. I would not recommend them at all!

Chime is the worst secure banking lie on the planet. I signed up made 3 deposits then I removed my account. One deposit I made there they lied and said didn't receive so I had to dispute with them and in a dispute now as I wrote against Chime. They are the worst fast banking of all time.

I closed an account that had a fraudulent charge on it with the understanding that Chime would take this item off my credit report. Three years later I had my credit checked and found derogatory remarks from Chime about missed payments and they say I still owe them for the fraudulent transaction. I wouldn't ever recommend Chime Bank to anyone. Also would rate negative 5 stars if I could.

Here is some factually correct info for you. I got time because a friend lost her credit cards and needed her direct deposit paycheck. I got Chime so I could receive her payment to me, it was a plus that I would get $15 so I downloaded the app right away. It says I have $15 in the app because I have to wait for my card every time I do anything important in the app, get help activate card, anything it says I’m off-line which I’m not obviously, I’m leaving you this review. So today I received my Chime card and lo and behold. The app was still doing that to me so I called Chime Customer service. I activated the card there with their phone system and even got my PIN. The phone system said, "You’re all set." I go to use it and it’s declined so I decided to call customer service back and talk to someone. The first call I was on hold for 24 minutes then claiming in 20 minutes someone will answer your call.

Do not trust them! They refused a refund on defective electronics that was only $20.52 and the agents act like they could care less. I deserve better and you do too. Stay away. They do not care about you.

Chime bites hard bad. They are not worth the hassle of dealing with their terrible 3rd world customer service. Amazing how many people trust what they see on Youtube and don't realize people make videos to add links to what they sell because they get paid for directing people to the seller sites. My experience with Chime and their pathetic 3rd world country customer services has been the worst I've experienced and it has taken 2 days for a charge to clear with shouldn't have taken more than a few minutes.

Extreme FRAUD! These Shylock Bums are thieves! Stay away from this fake bank! They have no customer support! There is no way to get in touch with this so called Bank. They steal your deposits and prevent you from withdrawing your cash.

Chime is horrible. They don’t help you. They lie and will keep funds from you for 7 days. Please don’t waste your time with chime. I have been with chime since 2019. And it’s awful. It’s a trap. Don’t do it

Had uploaded a check to go to my direct deposit last Friday right, here it is Wednesday bills needs to be paid with nothing on my Chime yet called the customer service and they couldn’t dispute or override it. Now I’m sitting in debt because of chime. Thanks chime.

My account was fraudulently charged for $1,276.70 and Chime has repeatedly denied my claim with no reason. This appears to be a tactic they use based on the thousands of similar stories I've read. I've filed a police report and have taken this matter to district court to get my money back. This has been worse experience ever. Trusting your money and the company doesn't protect you. Do not trust Chime with your money. Their dispute process is a joke and doesn't follow regulation E guidelines.

2-3 stars! Their banking is free.. They are security conscious. Their credit card does help board your credit. It's convenient for things you don't want in your regular bank account. There are a ton of places to deposit money. HOWEVER, I CHANGED MY PHONE NUMBER BECAUSE OF SCAMMERS.... OUT OF THE 5 BANKS I DEAL WITH THEY ARE THE ONLY ONE THAT WON'T LET ME IN. (the other banks sent codes asked for personal info and book I was in) With Chime I am verifying myself in 7 different ways. They are sending codes and they still won't key me in... I have a check coming in there for whatever reason I used them. Now I can't open the app....alone get to my money.

I signed up for Chime several months back. And I referred a friend and we both received the 100.00. However I received a marketing offer that said invite friends for a limited time June 14th thru June 24th 2024 and they receive $100. And I would receive $300. So I invited two friends on the same day. The first friend had his direct deposit of $200 (which is the requirement for the bonus) that first week and my other friend yesterday July 10th (the deposit needed to be within 45 days). This was a special referral bonus. I received the $100 Bonus but they refuse to give me the other $200 Stating different things.

Chime is trying to steal money. I had money wired to a friend's account. They told her they were rejecting the wire but I contacted the refutable company the transfer was through. They said it shows it went through on their end but it hasn't been put in her account so they think they are going to say they rejected it and keep it. It's enough money to get criminal charges pressed and a lawsuit filed. You think you can just steal money from people and nothing will happen. You're wrong. My lawyer has already been informed.

Ok at best. Only use if your credit is horrible BUT try to stay away from some of their gasoline discount promotions. They say you get a cheaper rate if you pay the higher rate first and then they rebate you the discount (but sometimes they don’t in my experience). Boost’s are ok but they just promote people overdrafting their account monthly.

I always check my account multiple times a day. I noticed multiple charges on my account that I did not make. When I contacted Chime about the charges multiple times they continued to come back to say that I did make those charges. Well I didn't. My card was stolen and I reported it immediately. Fraud charges were made, I reported it and they refuse to give me back my money. It's awful for a single mom who works paycheck to paycheck and this happens and when you report it you are basically called a liar. Do NOT get an account with Chime. DO Not trust them. I have cried and cried because of these Walmart.com charges on my account that they refuse to correct.

Do NOT use this bank. Used them for 5 years, always deposited the same type of checks with the same name. Now they want to hold my check for 2 weeks for “verification”. I told the ** supervisor that I needed to pay rent with this check. He stated that it wasn’t processed yet so I can take the check to another financial institution and have it cashed. As soon as I tried, the bank told me that I couldn’t because it was already cashed. So where is my money chime? Called them again and informed them of what happened and they said that there was nothing they could do & couldn’t cancel the check from being processed. Now I will have a late fee on my rent. Thanks Chime. Stay away from this company. Everyone needs a bank that they can actually walk in and discuss problems or deposit checks!

I closed a Chime account at the end of April because I was unable to access my funds. It took a month to receive my balance check. When I deposited it the check bounced, costing me $50 in bounced check fees. When I called they said 3 checks for the total amount plus the bounced check fee had been sent. I never got those checks. I called back and they said they would issue a new check but it could take another month to get to me. I finally received the check over the weekend two months since closing the account. No bounced check fees were included in the second check though. I'm really hoping it won't bounce. Now they are saying they can't/won't pay for the fees incurred by them not having sufficient funds (reason given by the bank) in the account they wrote the first check on. I've lost a couple hundred in interest many hours on the phone and a whole bunch of stress. It's not a lot of money but I hate being taken advantage of.

On 6/25/2024 made mobile check deposit (MCD) for $90 from the same person every two weeks but usually for $135 to $150 Chime puts the whole amount in my account that day, but on my $90 MCD Chime decided to hold 1/2 of it this time. I called to find out why and after I was hung up on 3 times finally was able to talk to supervisor. I told her if Chime is going to hold 1/2 of it I'll just take it to the bank it's written on. She said to go ahead and do the MCD and the $90 would be in my acct that same day. Chime did not put $90 in my acct that day and they held 1/2 of my deposit.. Not only was I hung up on three times the supervisor lied to me. I'm 69 yrs old and on a very low, fixed income and this prevented me from getting the necessary thing I need to live. Chime would not tell me why they decided to hold 1/2 of my money..I want to file a complaint against Chime for the unfair and deceitful treatment I received.

I have been trying to get bank statements on my son's account who died in April. Chime has been the worse company ever in getting me that information, and over 2 months later I still do not have the statements I am asking for even after sending them all the information they asked for including the court letter of administration giving me the authority as if it was my son. I have wasted so much time. Just now the rep had the audacity to hang up on me. Customer service is horrible.

Parasitic online banking organization that sits on your funds as long as they legally can denying you access to your funds that you've deposited. I've used these crooks for over 4 years, and I would not refer them to anyone at this point.

A Chime account was opened fraudulently in my name. Chime won't close the account for like 5 or 6 days. Why? If an account was not opened by me, then why wait! It should be marked as fraud and not opened again.

Do not ever use this company- they are completely untrustworthy & there is no customer service to resolve issues. Scammers use this company to open fraudulent accounts. This place needs to be shut down!

I have three banks. Chime is one of them. I have been with them more than 5 years. They are good until you have a serious problem. My situation was disputing unauthorized charges on my deceased family member checking account. They automatically will close the account then when you dispute, they tell you to call to dispute the charges only to be given the runaround with all foreign agents, they sometimes hang up, don’t know what to do, all ask questions, that don’t make sense such as is the member with you?? Like listen, I said DECEASED not alive. Give case numbers after case numbers with no ending results.

My card was used for $49.90. I contacted Chime. They said they did a query and refused to refund me twice. I called the 800 number for the customer service, spoke to 5 different agents who told me that they didn't know why I was charged and that the bank should refund the money taken. I told Chime, gave them the number to call and they did nothing and refused to pay back the money. I took out the rest and closed my account. Even the name of the vendor sounds fake, "firstpetebooksolutions" and another about serum deals. I think it was their staff that's they didn't investigate it. Even 1 star is too much.

My son sent me $50.00 via Chime. I had to open a Chime account to get it. That process was easy enough. However, I have not been able to access the $50.00. I have to wait for the Chime cash card (which I do not want) to arrive. It has been nearly a month, and still no card. The option to have a check sent to me is only available after I activate their cash card. I tried to call Chime Customer Service, and was on hold for over 30 min when I gave up. The Chime bot is as useless as the worst bots out there. If I ever can get my money from Chime, I will close the account immediately. My experience says to STAY AWAY FROM CHIME.

Terrible customer service! There has been multiple times their representatives have either hung up abruptly or became frustrated and put me on a long hold. Money has come out of my account with no explanation or help.

I have a dispute for $44.92 that was denied because the dispute department there filed it wrong. Then the 2nd and 3rd agent said they corrected it which they didn't. I was also told months ago that the credit builder card had buyer protection so going forward for risker transactions I specifically used the credit builder card. Well I had an issue then disputed it and was told the complete opposite and then the claim got denied meanwhile my electric bill is due and at least with the credit I would have been able to cover it but nope not now. Just liars at Chime and mislead and file improperly. I'm contacting the consumer protections agencies BBB and whatever else I possibly can for both Chime and Strike Bank FDIC until this is resolved.

Chime does not protect their customers. I've had Chime for 4 years, didn't have an issue until recently. Their credit builder did increase my credit and things were looking great. I recently bought a laptop from a third party seller on Amazon not too long ago. When I received it, the screen was cracked. I reached out to the seller, returned it and never got a refund or my item back.

Thanks Chime, but I still have 354,000 people in front of me for my pay! This is a joke when I have as many deposits from SSA and my job, at this point in 5 years I'll get access to my pay! Whoever created this as a way to get more people to get Chime is ridiculous! Honestly makes me want to change banks, because I had up to a $800.00 at my last bank that they would cover me and I only joined Chime to be able to get my pay 3 days earlier! But, I can join Regions and have all of that because after 6 months I have access to $55.00 so this my pay may potentially cause you to lose people rather than gain people and it's the person who created the marketing of get people to join to move up the lists fault! Thank you and kindest regards!

Chime is horrible. Go with another bank. Customer service is garbage. Two mobile check deposits for $2300 and they’re holding my money hostage for a week. Take into consideration I’ve been with chime 2 years and made many mobile check deposits that were credited to my account the same day and now they’re holding my paycheck hostage for a week.

I mobile deposited a check from a NYC agency. Literally from the city of New York government and it took over 5 business to clear. The check was $350! I’ve had direct deposit from ssa for nearly a year. I should’ve gone to my local check cashing place where I would pay a small fee and get my $ instantly. Done with Chime and going back to Netspend.

Beware!! Easy for hackers to hack and customer service is awful. Chime does not take care of their customers. Chime bank needs to be shut down and strip from its name immediately. My friend and I had chime and it was fine at first until there was an issue and it took putting them on blast on the news to get the money back. Terrible company.

If I could give zero stars I would. They are completely unsecured although they say they are secured. They honestly just hire influencers to say how awesome they are because they can make money for signing people up. Keep in mind if you see a positive review from someone and it’s sponsored by Chime or even just a review where they provide a link to sign up please please remember of course they are saying positive things because they make $100 for every person that signs up using their link. Now if you truly love chime that is awesome, but this is my personal experience.

Update on 06/24/2024: Please if anyone would like to reach out and work on bringing this to the light please like this post!!! I am still currently in the process of hearing back from FDIC, BBB, CFPB, and now in the process of writing letters. It had been almost a month and with evidence, reports, and supporting documents to my case to which they keep denying. This is not okay. Chime need to be held responsible for their terrible customer service as they will not help those who are victimized of crimes.

Do not recommend using them. I deposited my paycheck, 6 days later I still don’t have it! I had unauthorized transactions and they refused to return my money. Chime will rob you of your money. Customer support is a joke!

Don't waste your time. Don't use Chime. As long as there's no big problems Then everything is fine. There's Nothing wrong until you have a big problem like me. I was hacked And I Reported it to them And still lost my account. They don't care that I was hacked. All they tell me is, "I'm sorry that Happen to you. But we can't open your account because activity on it when against our standards." What Do you think was going to happen when I told you my account was hacked. Years later I still can't get my account back because of it And they don't care that it was not me that did that.

I am a senior citizen on a limited budget, Chime shut down my account without any chance to withdraw my money and sent me a text message say I would receive a check in 30 days! I have to rely on prescription medication and this left me penniless with nowhere to turn and no money for anything! Chime Sucks!! Take your money elsewhere! Go to a real bank!

Chime is terrible. I changed my card several times to stop unwanted charges from Amazon and La fitness. I canceled my membership with La fitness in person and they were still charging me. I alerted chime and they would not take the money back from La fitness even though I proved that I canceled my membership due to moving out of state. Chime is horrible and I have been with them for years. They claim you get free overdrafted but then solicit "tips" for giving you the overdraft. They select the amount you should tip. You don't have to but if you don't when you go to dispute charges they deny you even when you give them proof of the mistake. It's like they intentionally give you a hard time. They are petty and unprofessional. I switched my bank immediately after the last incident. I'm relieved.

Terrible!!! Pay anyone is bad!!!! I sent money and the recipients had problems getting the money. Customer service is poor, Stay away! Better options out there like Discover, Capital One, SoFi. Way better options. Save yourself a headache!!!! AGAIN STAY AWAY!

Gave me a $140 SpotMe then took away in 5 days to screw me over! Several years banking with Chime lost my business!! Took 10 years to get a SpotMe increase just to take it away as soon as they gave it to me!!

DO NOT USE!! DO NOT USE!!! If fraudulent charges occur they will not help you... Really good at everything else.. but if your money gets stolen they will not help you. They will not cover it.. They then began to send me threatening emails... I advise everyone DO NOT USE!

Trash, closed my account for no reason. I used to brag big on them and nothing but positive reviews till that happened. Once you dispute a few times right or wrong they’re going to delete your account. Then give you the runaround.

I want to start off & say I've been a Chime customer since 2018, but in the last yr I've have problems with the credit builder card. This cards lets entities go all into your routing & account info when using only the card for purchase.

They don't even report at credit bureaus. I spent 3k a month and get my payroll past 5 months and I'm customer 2 years+. I thought I was building some credit but nothing going on. What a wasting time. Get some major secured credit card from major banks or local banks. Chime is wasting time.

My son put his Chime account as the deposit account for his tax refund. Chime is taking 4 weeks (!) from the moment the IRS refunded him to make the money available for him. Every time I deposit money from my bank they take at least 5 or 6 business days to deposit the money. I call and the rep has a canned rehearsed answer that it's the bank's fault. This bank keeps your money to invest it for excessive amount of time. A money app to avoid at all costs!

Chime/Bancorp Bank denied my dispute, chargeback request, CFPB complaint, BBB complaint, FTC. NOBODY'S DOING ANYTHING! It's very clear who's on their 1.5 BILLION DOLLAR ANNUAL payroll! They steal it from us to pay off our government protection agencies. Pull your money out while you can

Denied multiple dispute claims even with emails and proof. People keeping my card info too and using it and Chime seems to blame no way this is a repetitive thing every time I get a new card. Something's up. I been feeling real worried lately with how chime's been neglecting to help any with anything been slot of running people around. Ask what reason was for denying my dispute she said she didn't know. They didn't put a reason? What?

Chime closed my account after using them for 2 years. No explanation, no way to recover funds left in the account. Tried reaching them by phone, but no luck. I do NOT recommend Chime! It did not improve my credit. I lost over $2000 when they closed my accounts.

I would give a ZERO if I could.; switching to CHIME is the worst idea. I can't log in because my phone broke... They don't care. I can't BELIEVE that my SS deposit isn't here today... The rep SWORE to me it'll be there before midnight. It's 135 am.... LIARS.... HALF BRAINED.... Loser of a bank. I was the victim of ID theft and my account was used to the tune of 300$ and EVERY dispute turns up the same.... Do I need to go on???? I have never won a dispute but since I am now disgusted... I am switching banks ASAP. Maybe you won't have trouble with Chime but boy when you start with troubles.... it gets worse. I am a 54 widow and disabled nurse....

Chime stinks. I have been a customer of theirs for over 3 years. I have had nothing but one issue after another with this online bank. They have low daily deposit limits, they are very restrictive on getting your money from ATMs and their customer service is useless. Their customer service has no power to override anything the system decides. Their SpotMe overdraft has a limit of $40. I have met all the qualifications to have it raised to $200 and it has never has been raised.

I used Chime for a year and I thought it was good except for I ordered items from Amazon never got my items or money. Did a dispute and they denied it as well. Hundreds of dollars just taken and I knew they were not great.

Chime is a SCAM!!!! DO NOT SIGN UP WITH THEM!!!! They will close your account and take your money and when you call they constantly hang up on you....SCAMMERS.... They took 1,200 dollars from my daughter and now they are taking people tax returns.

I have had a Chime account for several years now. I never had a problem before until they switched up whoever answers their phones for their customer support in the past year. I can't understand what they're saying to me. It's frustrating. I call in and their English is so broken up that it just sounds like gibberish to me. I really wish that time would go back to whoever was answering the phones before. I will most likely end up closing my account because of this.

I would have to say I'm a bit confused on the lower reviews. Ever since I got Chime a few years ago it has been absolutely lovely. I greatly appreciate the SpotMe and not having to worry about fees if something goes a little haywire that pay period. There's nothing worse than being charged a $30+ fee for a $5 buck overage. I also have the savings account AND the credit builder card has been a great addition to use for both budgeting and for reporting "on time payments" to provide little bits of credit boosting. I've even had to report a false charge and it was handled with care and took about as long as any other bank's process, and they gave me a temporary credit for the charge while they were researching/processing.

If you have a fraud issue on your account they will not give you your money back. I provided receipts and evidence and they still did not honor my claim. I hate Chime. Don't waste your time. They canceled my card and gave me another one for no reason.

Chime fraudulently opened an account in my name without my knowledge. They had all my personal information (name, DOB, SSN, address, email, phone) but I've never had a Chime account or thought of applying for one. Customer service was a nightmare and refused to help or tell me how the account was opened unless I gave them multiple pieces of personal information, which given the copious amount of complaints about Chime customer service reps stealing information, I refused to do. Don't do business with them, and make sure your credit is frozen if you don't need to legitimately open any accounts.

Do not trust that they will correct any errors with your checking account when disputed. Twice as of today, they did not fix the errors on my account correctly. The first time was back in April 2021 put my account negative because someone used my account for Bitcoin which I don't even have an account for. The second time was January 2023 where I placed two orders through Ubereats and they charged me a total of 6 times for two orders ($27.37 and $67.21). I provided the evidence and Chime is saying today April 16th that they found no error and will not fix my account. Therefore, I paid ubereats 6 times for two orders.

Whatever you don’t deposit a check to Chime, they wait at least 6 days, tell you a date and then say it will be available at 5:00 pm so at minimum of 7 days for any check and not even a personal check. Transferring money out is ridiculous too. So basically they will hold your money unreasonable amounts of time (so they can make money off it) and when I asked about it they said “the system decisions.” When I asked “who is the system?” Complete silence! There is no one, customer service is a joke! Keep your money elsewhere where customer service is still important or at least reachable.