Chime Reviews

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

I started out very happy with Chime but then a bad thing happened when my phone took a crap. They will no longer let me have access to my account on my new phone which means I can't check my balance like I used to and being a disabled ** veteran on a very strict budget, I need to keep track of my account balances and also since I have no access I cannot authorize the extra money part they promised and was able to use until this happened!!!! Just so everyone knows as soon as my SSDI is given to my new card account, I am cutting up my Chime cards and throwing them away as fast as possible since I am that dissatisfied with them. I know that since this review is so negative, it will probably be hidden and never show up, but if it even helps 1 person will make me happy.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Chime is committing fraud by promoting sign-on bonuses that they do not honor. Spent over three hours on the phone just for them to tell me that although I did complete all of the sign on bonus requirements the sign on bonus cannot be applied because the code is not in their system. I have never dealt with such an unprofessional institution. By the way, Chime is not a bank rather a financial technology company and they are not FDIC rather the banking services are offered by The Bancorp Bank, N.A. or Stride Bank, N.A. which are member of FDIC. This company needs to be investigated for consumer fraud.

I have had Chime for over a year and have had no issues until this past month and a half. I have had two transactions appear on my account that I did not approve. I tried to dispute those and was told they were pending and I had to wait until they processed. Well they processed and now I'm told that it could take 45-90 days to get my money back. This is ridiculous when it could have been handled the day the transaction showed up on my account. It didn't take 45-90 days to take my money, so why should it take that long to get it back. I do not recommend Chime at all to anyone. I have heard from others that this has happened to them as well.

I am sitting here unable to feed my family because Chime let someone steal money for a transaction to Microsoft while I was asleep and now and then tell me basically oh well and hang up in my face...Chime is worst one ever..Cash App better than this bs

I been with Chime since 2000, I haven’t really had problem with them until march when I had a love one pass away. He passed in March. It’s June 19, for months they been giving me the runaround, keep telling me that reissue the check, which made 2 times they had to because they said first one got lost.. No one has made this a top priority to handle my situation, in fact I been dealing with rude representatives, and getting connected to the supervisor didn’t make it no better. They could even provide me information to ensure me satisfaction.. They are not tryna give me my brother money. Keep saying the checks are getting lost.. I will not recommend no one to deal with chime again. Because when you really need for the then to help you with urgently top priority matters it won’t get done, in fact you will continue to get treated disrespectful and tell you anything just to get you off the phone.. No one deal with chime.

My card got hacked and by the time they send me the alert I had already lost $207.45. I did what I supposed to, I answered No to the question if I was making those transactions, I blocked my card for future transactions and ordered a new card then I open a dispute when the transactions were completed. They took over a week to “complete” the investigation and then decided to denied my dispute without of contacting me to give my information. The email didn’t gave me any information on why they denied and just closed the dispute without any explanation. I haven’t used or buy anything from that company since 2024 and they still denied my dispute. This happened in June 7, 2025.

I’ve been a loyal Chime customer since 2019. I had my direct deposits, bill payments, and even my state IRS refund set to go into my Chime account. I referred my wife, friends, and coworkers, and I received multiple referral rewards because I genuinely believed in the service. One day, without any prior notice, I woke up to find my account had been closed. There were no emails, texts, or alerts beforehand. When I called customer service, I was told that “Rule 9” was the reason—and that legally, they could not tell me anything further. I was shocked. No explanation, no warning, and absolutely no accountability. This experience was not just financially disruptive, but emotionally devastating. I had bills pending, a tax refund on the way, and no way to access my funds.

Unfortunately I had the option for one star or else I would of given them a zero to the left.. CHIME is a scam.. They deserve to lose all the loyal customers.. They are no help at all... My fiancé got scammed for all her hard working check... and they can't do anything and she has disputed the situation 3 times and was denied..It's been a month and still nothing..Pretty much they said.. NO ERROR OCCURRED!!! This is BS. DO NOT BANK WITH CHIME!!!! They stated they were not a real bank.... Think twice before banking.

Chime needs to take better care of unauthorized transactions. Notification to customer regarding recurring suspicious transactions back to back. Call the card holder to verify such purchases before it's too late.

I have been a Chime customer for a few years. I never really had a problem with them until I lost my rent money and provided proof that it was my doing. I disputed the situation 3 times and was denied 3 times. Not really a bank if their only option to so called get your funds back is to dispute that is useless in my opinion...go to a real bank that cares.

I've been with Chime 8 yrs. I introduced chime to family and friends. Within the next 2 days we will all be leaving chime. My husband had 220 dollars come up missing out of his account to cashapp. While we were sleeping. We disputed and sent them proof he DID NOT AUTHORIZE IT BECAUSE IT DIDNT SHOW UP IN CASHAPP. And even though we were able to prove it they denied his claim. I discovered today chime is not accredited through BBB. And talking to my family members they went through it too. Don't use chime. They're hand in hand with the scammers and they will NOT protect their customers.

I have been a Chime customer for almost 6 years. Never had a problem, until I disputed a transaction. Someone used my card for 182.39, I immediately cancelled my card, and disputed the transaction. Chime has denied my claim twice, and will not provide proof of why. I have closed my accounts with Chime, and have taken my business to a bank that will have your back when you need it!

My Chime account got hacked. 645.00 was taken from me. Chime said it was nothing they could do. I’m out of money. I live in Danville VA and my money was taken in Pennsylvania. They denied my claim. Pi

Walmart puts a hold on money for online orders then charges you. Both Chime and walmart blame each other. I got kicked out of my place because chime won't release money. I'm done banking, they don't care!

Hello, I've been a Chime online banking customer for over a year now, and I'm here to state I'm extremely disappointed with chime, they did a terrible job on an investigation pertaining to my account of which at a time in May, I had my phone stolen of which I had all my financial status on, upon the phone being stolen, my account was hacked into, and all my money then was stolen along with all my credit. So Chime I'll never use ever again and I'll never pay back what they say I supposedly owe, cause I never robbed myself. Chime suck, and I'll never recommend them, ever.

Chime is trash. I did a mobile check deposit for $20.00 just as a test and they saying it won’t be read till the 17th of June. Smh like why it’s $20.00. I won’t deal with CHIME. My Navy Federal will give you $250-$300 in minutes if you deposit your checks so no chime won’t be on my extra banking list.

Hackers hacked into my account, stole thousands of dollars and then shut my account down and Chime denied my dispute. These people have every single bit of my personal information. Chime is absolutely unwilling to help me get my money back or coordinate with law enforcement.

Chime is a sorry excuse of a bank. They do not care about its members. They refused to release a duplicate charge by Walmart. Now, I'm overdrawn and Chime told I can't have my money until September 7th.

I am very disappointed by the customer service I received. The bank charged me for a transaction twice and when I called it took me over 3 hours to get a live representative. They have a machine who is programmed to not forward calls to a live person. I was robbed of 199 dollars, they refused to give me s receipt and add the transaction in my statement. I have no proof of the charge they told me they were not able to show me the transaction and blamed Target for double charging me.

Chime hasn’t been honest with me. I received text and email claiming I had $160 my pay. I’ve had over $600 in direct deposits in June. I was told now to access my pay. I need another $200 direct deposit. I’ll just go with a credit union who actually does as they say.

Updated on 6/26/2025: First, it takes forever to talk to a real person. And then when you do, you can't understand them because they don't speak English. Once you get your point across, they will tell you a lie and a heartbeat. They will tell you we can get you your card in 10 to 7 days. 15-20 days later, you still don't have your card. The time representative will sympathize with you, but then they will go ahead and tell you there is nothing I can do. I put in the order for your card 37 days ago. You should have it by now. If you don't have it we can put in for another card. And round and round you go.

Chime virtual card that is suppose to be useable on a phone with a virtual wallet is the worst piece of garbage I have ever seen. The virtual cards don't have PIN numbers and require users to tell merchants to run transactions as credit, because they are obviously to lazy to make their offered virtual cards run that way by design. Customer services are not helpful and after having tried to talk to two people I feel like I was stupid to even trying. Plus my bank is not supported but I can link my debit card for my bank to move money into my chime account but not the other way. I am coming to hate all of these absolutely retarded time trash banking via app services as they are a dime a dozen and most don't even work correctly or are actually scams that shouldn't be backed by anyone or even allowed to operate.

HORRIBLE EXPERIENCE! BEWARE!! Your money is NOT guaranteed through Chime. I sent a deposit for something that I truly wanted. Well, I never received it. I was scammed by the seller and because the money was deposited into her account, I could not dispute it!!! Because the seller received the money this is NOT ALLOWED FOR DISPUTES!!! What business does not guarantee their services??? GOOD LUCK CONTACTING CHIME TO HELP WITH DISPUTES. The customer service agents can't speak English clearly--it is pretty difficult to understand them or they you. And trying to get through to a human well good luck. Their stupid Ai keeps you from that!!! I even tried to talk to a supervisor and was put on hold for two hours before I just hung up!

Chime customer support sucks you and offered no support. All they wanna do is argue with you on the phone and never try and never try and help you clear up your issues and I’ve been dealing with this for days now. It’s very frustrating and I’m getting really tired of it. I’d actually like to speak to somebody who could speak clear English so that maybe I can understand them and they can understand me.

If I could give Chime a lower review I would. I have $2000 in the account for a product I ordered from a linked bank account. I have been told without a physical card I cannot move the money back to my bank account and I am getting no assistance. The initial money lost in fraud is not backed. I give them 0/10!!!

4 times within a 2 month span they canceled my cards and sent new ones because my information had been breached. 1 card was canceled before I even received it in the mail. Then an agent from Chime called me to tell me my account was breached and the exact total in my account was going to be stolen and definitely don't withdrawal it at the atm. He even gave me a name of who was gonna steal it. When I went to draw it out the guy on the phone panicked and told me to leave it alone. They would fix it and have it back to me within 60 days. None of what he said made sense. I changed banks the same day.

I'm not really too fond of the "up to $500 of your pay" option. What they don't tell is whatever you are approved for the loan amount, is not given to you all at once. It is broken down by daily increments. You cannot withdraw less than $20 but sometimes the daily increments won't add up to that for 3 days and I need the money now!! The money should be given in $20 increments!! If someone needs the feature 9 times out of 10 they want to utilize it NOW, not days later!!!

My account was hacked. I reported it and was told because my last name and phone number was changed they couldn't close the account!!! Even though I had the emails, my social, date of birth and first name. Do not go to this company!!! Just don't use this, save yourself so much time, money as well as peace of mind with anyone else.

If I could give this company 0 stars I would. The way this company does business is horrible. I tried to deposit a check into my Chime account 4 times and it didn't even tell me why I couldn't. I tried to get help and it wasn't easy finding their customer service number because they want you to look on the help page first to see if you can just read a help article to solve your problem with their app. Then when I finally found their customer service number, I had to talk to a AI bot for 5 or 6 minutes before I can even get to talk to a human. The person is foreign and barely spoke english and tells me that they won't accept my check in the app, because I have to transfer at least $1 from an external bank account, which is going to take 7 days. Then when I'm finally able to deposit my check, I have to wait another 6 days for it to post to my account. So I have to wait 2 weeks just to get access to my money.

Chime sucks, if you are a Social security customer of chime, or you know anyone who has had money being transferred without your permission and money missing unexplained and you are not getting help? Email me at **. I have 10 others who receive disability from social security and are robbed? Email me 👌

Chime failed to honor my contesting bogus charges on my account totaling $477.00. Denied false charges to my account by refusing my LEGITIMATE claim. Going to get another bank card as if CHIME helped to steal my HARD-earned money, once they will STEAL from me again as well. Been member 5 years and this is how I am treated. SHAMEFUL!!!

All I see are the o how I love Chime reviews, so I am sure mine will not ever be posted, I have had to make written complaints to my state's banking oversight, the feds, the nc attorney general's office also, BBB, which is another waste of time, this chime bank company is nothing more than a rip off, they have allowed institutions to continue to take funds out of my account even after they the bank replaced the cards issued by chime to stop the thieves from doing this, the funds continued to come out of my account, it wasn't until I made complaints to authorities that chime stopped the funds from exiting my account then resent out my cards which took 2 weeks.

"To experience Chime+ and its benefits, just make a qualifying direct deposit." Chime. Without your direct deposit you will only get CHIME-. Chime is designed around your direct deposit. If you don't sign up for direct deposit you will only get CHIME-.

This is a very crappy crappy company. The stuff I have to go through because somebody got my information and I had to file their kind of police report in order for them to fix the mistake that was caused by somebody else. That's not me. They cannot seem to help me to get stuff figured out and taken care of. I do not recommend this damn company. Worst company I've ever came across I have never and will never use Chime. Highly don't recommend.

In 2019, Chime deactivated my card without any warning, notification, or explanation. I only discovered the issue when I attempted to use my card and found it no longer worked. I was never informed in advance, and no clear reason was given. Because of this, I had no choice but to close my account out of frustration and concern over the security of my funds. At the time of closure, there was still money in my Chime account, but I was never refunded that balance.

I love Chime. So easy to control your money and chime takes nothing from you. Like other banks with all their overdrafts to take all your money. Chime will not. You control your own money. And the credit builder card is a must. Helps so much and you can use it like a credit card. Just love chime all the way around. Thanks chime.

I place a dispute on April 4 2025. When I started it it states 10 to 20 business days. It also states I would receive an email on April 7th 2025. The days have passed and gone. I called Chime and talk to a supervisor stating that 1 they didn't send me out an email. And also I have to wait another 2 months for my refund. The supervisor basically said it WAS MY FAULT for using their card. And since it's my first dispute I have to wait. This is absurd.

BANK DEPOSIT TAKES TOO LONG FOR 1.95. YOU'D THINK YA MONEY WOULD TRANSFER IMMEDIATELY. GEEZ I HATE CHIME. EXACTLY WHY I DIDN'T DO DIRECT DEPOSIT FOR THIS CARD. NOPE. Wouldn't use them for nothing serious.

Spent 30 minutes most of the time on hold to not have the issue addressed. The woman refused to give contact information to a manager of any variety and wouldn't search the account number that I was trying to provide. Absolutely 0 cooperation and I had to repeat myself 5 times and she still was not understanding the problem that I had. Ended up hanging up and simply switching banks. 0 out of 10, do not recommend.

I had no issues with Chime as one of my bank accounts for years. Recently, they decided to cancel my debit card unbeknownst to me. My card did not expire yet (it would in a month). I initially called in to let them know customer support because I received an email saying I should received my new card by now. I expressed I had not (still unaware my current card was cancelled) and wanted to confirm my mailing address and sending a new card. I was then notified that my current card was already cancelled. I asked why this happened since I did mot request or authorize this especially since I did not have a new replacement card yet. The representative I spoke with did not have an answer.

This is a terrible bank. I have had Chime for three years. They take your my pay back and then lower it so they are stealing money from customers. They then tell you it is computer generated and they have no control over the system. It takes them days to give you back the my pay but they take it out instantly when they get it from your paycheck. They are even taking your boost. I got three and they took them all and lowered my courtesy pay. I am leaving this bank. They will not steal another dime from me. Only good thing is they pay you two days early. You can find any bank in 2025 to do this.

Do not deposit major checks using Chime! Chime has been holding my funds for "verification" for a week but the financial company who wrote me the check had cleared the funds after day 2. I have been using Chime for 3 years with no fraudulent activity but it doesn't matter they are still holding my check.

I have used the Chime banking app for 2 months now. I pay my rent with a echeck but chime will not accept a echeck request because it is an ACH transaction. Chime does not do ACH request ls. No money can be transferred out of chime, using an ACH transaction. Cannot easily transfer money to someone else's bank account. Such as Wells Fargo. Lots of people use Cash app, but cannot transfer money to cash app easily. And forget about that bonus payment if you send somebody a link to sign up. There's all kinds of rules behind that. Forget about it. Chime does pay my Social Security payment early but all banks do that. Overall just probably not worth the effort.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I had to pay a 1,600$ deposit to my new apartment which I was in a rush to move in, the customer service gave me info how to do that since the limit is 1,000 daily to upload, I was told to add a 1,000$ on my debit card then add the 500$ and then the 100$ onto my credit builder card and I found a 24/7 711 store at the airport in Portland Oregon and was able to PAY MY SECURITY DEPOSIT THAT NIGHT. THANKS MILLIONS CHIME.

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

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

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

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

I have banked with Chime for about 7 years. I never really had any issues that could not be fixed until yesterday. On yesterday I made deposit of 300 on my card to shop with. The load posted to my account then chime withdrew it. My chime app relex the adjustment yet chime still denied it. I have my receipts from Walgreens confirming the payment posted successfully. So basically chime is pointing the finger at Walgreens and vice verse. Chime is not a traditional bank so you can’t walk into a branch to speak with someone. So if both parties are denying that it’s not their fault. Who do we go to? I am out of 300 dollars and no one can give me an explanation. These companies are allowed to take our money with no consequences. I will not be doing business with chime ever again.

Opening a Chime account has been the worst decision I have ever made. I received Social Security Disability with my payment date on the 3rd of each month. I have spoken with Social Security and have the tracking number for the deposit, but Chime has not credited this deposit and has given me conflicting information each 4 times I have called them about this. The lastest they are telling me it has to go through their process and cannot tell me when it will be credited to my account.

I'm starting not to like Chime. I got a refund from T-MOBILE and they already initiated the refund and sent it to chime Bank but Chime wants me to wait a extra 15 days before it goes into my account which chime already has the money. It's getting too difficult to use chime. They use AI. The regular Banks don't use AI. They use live human people. I just don't want to further do business with someone that uses AI that means that they're ignoring you and do not care about you because AI repeats the same thing over and over and over, none of your problems get resolved, none of them

So I get the Chime card because my husband said it's a awesome card right and it was until I decided to open credit building card feature, well when I got paid all my direct posit went strait to the credit builder, I thought that we can choose how much we put in it. Nope. They take your whole paycheck, so I would definitely not get a chime card. Nothing but a headache!

Well I am not saying nobody should come here cause they lie so much. Sent me a message yesterday about MyPay credit gone up to 260 now only but went down down. Have gotten the 200 now. Just gave me 39 yesterday and 36 today.

Don't bother with Chime. I've been a loyal customer for a long time. Always paid. Direct deposit faithfully. Just today I had a terrible experience with them. I unfortunately was trying to pay my rent by sending it to my better half and accidentally sent 700$ to someone in my contacts, that I haven't talked to in years and I called chime crying because my rent money went to the wrong person. They basically told me there was nothing they could do!!!! So I basically lost my full amount. Tried reaching out thru to the person who I sent the money to through chime. DO you think they responded or even gave me half back??? No. I received nothing back. Don't waste your time. Go with a real bank that cares!!!

You will have multiple fraudulent charges listed on your account throughout the day. Your account will be depleted of funds. If you needed money for bills or food you will be without that day. They issue you a new card, why so I can be robbed again only under another account. No thanks. I will not recommend them to anyone. The multiple fraudulent charges on my card listed Google only.

Chime unsecured destroyed my credit. I added a direct deposit to it of about $400 a month which was just a small portion of my overall pay. Experian looked at that $400 as if it was my entire pay because Chime could not link to my main checking account at my credit union. Out of that $400, I set up about $100 in automatic payments from Chime and transferred the rest to my credit union checking account. Chime and Experian used that to pretend that my entire income was going to debtors (i.e., this guy has $400 coming and going each month to bills).

Chime Credit Builder was the worst thing I ever did to help build my Credit. It's not all it seems so be aware. They abruptly, and without warning canceled my Chime account without warning for what I can only guess was my direct deposits not coming in anymore due to me having to leave my job for dv reasons. A little education and customer service would have been nice as I was with them for years but instead, I got a letter saying my account was closed for reasons they don't have to disclose. Very disappointing and they are now negatively impacting my credit for years to come. Far better banks and ways to build credit than Chime. I still don't know exactly where I went wrong nor do I care which I think is ridiculous from a bank who acts like they care about customers. I've had no problems getting a different bank account and would never use Chime again, even if they let me.

If I could give no stars I would. I disputed a transaction on my account and they haven’t gave me my money back. I sent them everything that they needed. I will be closing my account with them and going to a real bank!!!

I have Fraud activities on my account every month. They seem to take cash out of account every month on a close account card and they tell you have to wait 10 days before you get your money back. They have nerves to tell you to get new card. The crazy part of it when they send a new card out you Chime still takes your money out from your old card when the old card has been deactivated. Some going on with that company.

I gave 3 stars but it should be 5, it could easily be 5 stars, I've been with Chime 6 years or so, I never had a single problem, but I have a problem for about 3 years now, I would deposit checks with zero problems, one time I tried to deposit a check and it didn't go through, I called customer service for help and they told me to send it through again, I did and they shut the whole option down on me, I called customer service and they said they could not help me, they told me that they have the right to deny the option for any and no reason if they want, I asked how do they come to the conclusion of who gets the options shut down, do they pick names at random? Pick them out of a hat? It just seems ridiculous to do this to someone, especially when they have been a great customer with zero issues, this option has been shut down on me for 3 + years now, other than this issue, Chime is the best banking I have experienced.

Chime advertises that they give you up to $500 on my pay and up the $200 on their spot me but they don’t. I have had Chime for five months regular deposit of $2000 a month and only have $20 a spot me and $100 on my pay. I have called them numerous amounts of times so I’m saying it is false advertisement on their part.

I think Chime is a ok computer. I also think they don't do what they say. I disputed charges that was fraud, have evi6of it investigating, said they was looking into it but never did when I have the dam police report. So I'm thinking on suing you pathetic people. Either make it right or we will go to court

If I could give them no stars I would. I had been speaking highly of CHIME but no more. I had close to $500 of unauthorized charges on my account and after filing a dispute with Chime they denied them. I will be closing my account soon as I find a new bank.

I used CHIME one time and my experience was horrific and I'm not one to complain. I can 100% honestly say I was ripped off for $200 and have filed multiple disputes. CHIME claims that if you don't transfer any remaining balance from your CHIME app--anywhere---from your account when you close it, they'll send you a physical check in 30 days.---baloney! After waiting 45 days I filed a dispute with my bank--one the dispute reached CHIME--they claim I spent the money. DO NOT TRUST them.--very shady.

I have tried to reop my Chime account and keep getting denied. I don't have the same debit or credit card to verify my account so I am not able to use Chime. I have tried several times to resolve the matter and the feedback is they don't care enough to help or care. I have sent in all of my identification and nothing. I'm disappointed to say the very least.

The worst bank to use. It's like communicating with robots that repeat what a computer tells them to say instead of actually answering questions to the issue you called about. I also truly believe their taking money. If you look in your mobile account you can't get a actually full statement from day to day by times of purchase or anything. They also charge you to take your money you worked for in advance and they don't show that on statement either. These people are up to no good seriously and I'm very honest. I won't lie to make it look good and it's really not.

Chime opened a fraudulent account in my name without verification through any means. My credit is frozen on all three credit bureaus, which should have kept them from extending any credit cards associated with my information. Apparently they don't check any of them nor do they require ID to open their accounts.

What started as a good experience with Chime quickly turned into a nightmare. I spoke with five different representatives, and not only did none of them have answers, but they also lied multiple times. When I pressed for clarity, they disconnected the call—without any profanity or hostility on my part—simply because they didn’t know what to say. Their communication was terrible; I could barely understand them, yet I clearly heard them chuckling in the background. The rudeness was beyond unprofessional. If you value decent customer service, stay far away from Chime. Trying to get a simple issue resolved feels like pulling teeth, and half the time, they either give conflicting information or just ignore your concerns altogether. The lack of professionalism and basic courtesy is shocking for a financial institution. If you’re looking for a bank that actually values its customers, look elsewhere.

I have enjoyed Chime the past few months but now I am really regretting it. I decided to do the credit builder card. Woke up to 60 points off my credit score and it's saying I have a balance I don't. I have been on the phone with 3 different people who all verified my account has always been in good standing they don't understand why. I get transferred to 2 different supervisors the first one all of a sudden couldn't hear me and just hung up lol then the second has had me on hold now for over 35 mins. This is absolutely ridiculous!!!! So I wouldn't recommend using the credit builder at all.... And their customer service from their supervisors is absolutely trash. So I'm just stuck with a lower credit score for nothing. And people who care less. Can't even come to the phone, because you messed up.

Chime keep authorized debit card payment on merchant even if I have a new card new expiration date and new cvv number. It's illegal. I changed my card to avoid that but they still doing that so am leaving chime.

They will not help fight your disputes. I was scammed by postal openings, a site that sells itself as a necessity in order to get placed with the usps. They scammed me out $69 and have no way to communicate. Chime would do nothing for me. My other bank, navy federal, helped me a few times with bad purchases. This time I was literally scammed and chime would do nothing. Very disappointed...

Don’t use Chime. They closed my account for no reasons. No explanation. Nothing. Just closed it now. It shows on my credit that the account was closed and making a negative effect on my account spoke to numerous times and they don’t even know why it was closed but they can’t reopen it back again. If I could give them a zero, I would and they are a scam artists.

I have used Chime for many years, I like the app very much. It has the Spot Me feature which is great, it's $75 which allows you to overdraw to cover your purchase and just found out you can withdraw from the ATM. Now however my pay could be better. After a while of direct deposits, they allow you to get "advances" which is always great BUT they only put $9 or $12 on each day so it takes 3 days before you can touch it because you must have $20 to withdraw. They do this because they charge a $2 fee if you NEED it instantly, so they are getting rich off the $2 fee each and every time.

Chime customer service is useless. Even when speaking with a supervisor. I recently deposited two checks. They were through banks. Chime put a week hold on them! I called to request a release and they refused. A traditional bank will call to verify funds and release your monies. Chime won't! They don't take your account history into consideration either. They are probably making money on your money and forcing you to wait for funds. Ridiculous!

I filed two different disputes on the Chime credit card that I lost for fraud and they both got denied because I did business with a merchant just because I had shopped at Ross years back. They denied one and for the other one it was at some bar that I’ve never been to. I no longer drink, and they made that dispute as a billing dispute and also got denied. So even if you claim it as fraud, they’re gonna change it to billing dispute or say that it’s your fault that you made those purchase when you didn’t at the telling them that I don’t have the card requested for a new card. Worst company ever.

I received a text message from Chime at 4:25 am from the fraud dept alert asking if I tried using my card for a 9.99 transaction in Hong Kong. I replied No, they said, "Great. No funds have been taken. Transaction was blocked." I wake up and notice 9.99 has been taken out of my account and I call chime. They say nothing they can do because it is a pending transaction. That should have never been a pending transaction. Lady said, "Yes. First one was declined" because I said no but they let the second one go through and they proceed to tell me nothing they can do about it until the transaction completes. But it shouldn't have ever gone through to begin with. They have informed me, "Whenever you receive a text message about fraud and reply yes or no do not respond to it because that is how it went through." This is not the only time this has happens. 130.00 I never got back for a car I never rented.

They take a week or more to post fund availability ACH transfers between linked bank accounts. In fairness, the linked account outgoing deposit origination is from a linked US Bank checking account. This is significant because US bank is the worst and slowest inept bank that there ever has been. Still, Chime has really changed for the terrible over the last year.

I was forced to get a Chime card so that a family member could repay me the money I loaned them. I don't need or want the card for anything else and have heard nothing but negative reviews about it. The funds were transferred to me on February 28 and I finally got through the voicemail prompts to get to a live person on March 10 who guided me on the steps to get my money off the Chime card and into my external bank. It will now take 1 - 5 business days for the money to be in my bank account and my husband is furious as he warned me I would be charged fees for the transfer. The representative on the phone assured me there would be no fees and that I could call back and close out the card as soon as the transfer is completed.

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!