Chime Reviews

I've called and called plus sent numerous emails to Chime member services for assistance after they locked my account. I am not able to log in to my account - I've sent in required security documents 3-4 times, reported back that links they send to me only give me error messages, have arranged a new phone number as instructed, deleted the app, uploaded and updated the app, explained I can't change my password if I can't log in - and it's been a week since I last sent in security documents - again - and I'm told to WAIT to hear from them - even had one of the ladies designated to assist customers laugh at me for being upset. My social security check goes to this account. I don't have access to the funds, I can't pay my bills, I can't place a verbal order to transfer funds, and I can't close the account without loosing a great deal more time while waiting for their check in the mail. STAY AWAY FROM THIS BANK!

This is the second time I tried to mobile check deposit and it was rejected. This was from my payroll department of my company that I worked for 2 years. All the direct deposits were going into my Chime account, however, when I received a physical check from my company, Chime would not accept it. I called customer service and they tried to tell me this is not legitimate. I stated this is from my payroll, their policy clearly states that a payroll check is accepted. They then tried to say this is a third party check, I stated that is incorrect. This check is written directly to my name, from my payroll with the same title that is accept by the direct deposits of Chime. It was also a check issued by JP Morgan Chase Bank. You cannot get more legitimate than that.

They are a bunch of crooks at Chile they stole 930.00 from Me. I was scammed. I filed a dispute explaining the issue even filed a police report they still denied my dispute. The same thing happened to 2 others 864.00 and 1300.00 dollars. They refused to refund the money back. I filed a freaking police report their so called dispute team does not care. I'm left without any money. Think twice about getting an account with them. I'm going with a new bank. I hope a lot of people read this. I'm going to put it to Chime. They want to screw people well see how they like it when I post a review in every website I can.. BUNCH OF CROOKS. CANCEL YOUR ACCOUNTS. Don't try disputing their so called Investigation team will Decline you. They kept my 930.

If I could give Chime a rating of zero stars, I would. I prevented from logging into my own account until I verify my own ID. I can't tell how much I have in my account!!! I've tried to verify my account AT LEAST 5 TIMES IN THE PAST 10 DAYS. They need a picture of my license. The problem is the program they use takes the picture BEFORE THE SHOT IS LINED UP PROPERLY! The picture is deemed no good. They give you 3 tries, then they won't validate the ID. None of the Customer Service representatives can speak English clearly. They'll listened to my issue, only to put me on hold and transfer me to an "escalation specialist". The escalation specialists send me the email described above. I STRONGLY RECOMMEND THAT, IF ANYONE WHO NEEDS A SECOND CHANCE KIND OF ACCOUNT, STAY AWAY FROM CHIME!!!

I been with Chime for about 5 years now, I have direct deposit and never had a problem, I used the mobile check deposit a bit, about 2.5 years ago they disabled that feature for me, I never had a single problem with any check ever! When I called to find out what was going on, they told me they can shut down that feature when they want, at anytime for no reason, do they pick random names? Hey let's screw this guy over, shut that feature off, almost a good deal with chime.

I had a account with them and they lie and take your money. You do a dispute and it take up to 90 days and still nothing from them on the account. Their workers are rude and very hateful. All they tell you is to email support and nothing from them either. I think they should close because they are a rip off.

Chime closed my account without any notice. When I reached out for information, they would not provide any reason. I had thousands of dollars in the account, used it receive my paycheck, and to pay credit card bills. Already, I have been charged a $200 late fee by my building because they did not even honor pending transactions made before the closure. They still have my money but are not responding to my communications asking if I will even get it back.

I was talked into banking with Chime from my wife. She sent me the link and told me how wonderful Chime Banking is and went on and on about how amazing it is. My nightmare started a few days after moving my direct deposit from work to Chime. I tried to log into the app on my phone and was advised I was locked out and I had to contact Customer Care through Support@Chime and I did and I was requested to send further ID proof to unlock my locked account. I sent exactly what they requested and received another email asking for more ID proof. I sent more ID proof of who I was and where I lived, again I received an email asking for even more ID proof.

I like most things about banking with Chime, I really do but. Without someone competent to handle an issue the good stuff doesn’t really matter. Nice car, oh there’s no gas for 200 miles. It might as well be a lemon. I’m in Ireland to bury my dad. I’m locked out of my account. We’re it not for friends I’d be living on the street with no food or lodging. I mean that is where I’m at and I’m locked out of my account. I’m in Groundhog Day he’ll. I have followed the prompts for verification but there’s a glitch. After I uploaded my documents at least 11 times and each time I get a screen image that reads “SUCCESS” inside a spinning circle. Only to be followed by the words, something went wrong.

I have been banking with Chime since 2018. Haven't had any real issues. Last year I had a scammer(s) use my account to make several purchases and I disputed each of them and was reimbursed. I even referred quite a few people to bank with them as well. So, I had no reason to believe this bank was not safe until now. I get paid biweekly on Friday's and with Chime my money is usually available Wednesday night. My routine is once it has been deposited, I start paying my bills.

UPDATE: I was initially SCAMMED by a Chinese online firm called Rabbit Quick on November 13, 2022, for a terrible knock-off product costing only $59.95. I worked thru ALL of the Chinese product return policies except one - paying for the return of the knock-off product all the way back to their Chinese warehouse for more than twice the purchase price. See the clear SCAM? As a part of fighting the original SCAM, I contacted Chime (my “bank” at the time) to report that particular SCAM and to request a SCAM refund of the purchase price due to the fraudulent nature of the sale.

When Amazon denied my claim that a driver delivered a package to the wrong house, I tried disputing the payment made with my Chime debit card. I sent Chime's Disputes Team the Amazon delivery photo and photos of my house that proved the delivery was made to the wrong house. Chime failed to factor in human error and did not use my photos in their determination. They denied my claim by basing their decision solely on information from Amazon that several accurate deliveries had been made in the past. Chime called past deliveries "compelling evidence" without considering any evidence and information provided about the delivery at issue.

They wouldn’t listen to me when they stole $100 from my account. I tried to send my daughter money. When I typed her number in it came up some other lady's name so I decided not to go through her phone number and went through her email. She never got the email and on my transactions it showed that lady's name and she got the money. When I requested she return the money the text went to my daughter. So how is it my daughter never got the email and got the request through text! I have fought with them time and time again. They denied my dispute and are not willing to return my money!

I filed a dispute with Chime because Bob Evans was supposed to give me refund. They denied my dispute even with me send the email from Bob Evans saying they couldnt my transaction to process a refund when chime can clearly see it on my transaction history.

I bought a new phone. I have been trying to transfer my account for a month now. The app is saying my email & my password is not matching. I have tried changing my password it won’t let me. Customer Service couldn’t help me. Very Disappointed Member.

DO NOT SIGN UP FOR CHIME. The debit card stops working unexpectedly and without any notification. This has happened to me at least five times in one year. When I call the customer service line, their solution is to cancel my card and mail a brand new card each time. Once I was in the airport and needed to pay for baggage on a return flight. I ended up having to ask a stranger to pay for my baggage, thankfully they were willing to do it.

I opened a Chime account, transferring everything from my bank account, including automatic payments from my business, with the promise of ease and less stress but that has been quite the contrary, as I’ve had nothing but problems, and still have yet to receive my debit card after three weeks. This was the absolute worst decision I’ve ever made. I tried to transfer money to my daughter and it takes up to six business days to do so. I would highly recommend that you search for another banking company because this is not it.

Worst customer service ever. In January of 2023 I was given the run around about a mobile deposit. I tried to use Chime's mobile deposit feature to deposit to a payroll check and was told it would take no longer than 5 days to process. I bank with a few other banks and know this is a standard boiler plate verbiage. I waited Three business day and checked my account to see if funds were made available, to my surprise they were not. I then called the bank that the payroll check was written from and they informed me that the funds were made available to Chime earlier that day. I then waited one full business before calling Chime to see why the funds or at least a portion of them was not made available to me. I was told that I would have the funds on the following day, (day 5) at 0700am.

The only reason I gave it one star was because I had to put something in order to write this review. I have been with CHIME since 2019. I have had disputes in the past, for relatively small amounts. My card was used to make $179 worth of purchases from Apple. Thank goodness I picked up a shift in the ER and was awake when my phone started going crazy at 3:08am. I instantly locked my card, called and reported it, and requested a new card.

Okay I been dealing with Chime since Oct 2022 and I receive direct deposit from social security and my job yet they refuse to spot me 200. They keep saying they system hasn't generated it so I can't get the $200 spot me. I'm stuck on $20. All these deposit I have coming in and y'all system hasn't generated it

I started this Chime account last year. So I try the credit builder cause they said it can boost your credit score, I always put the money in way before the due date and keep it in there until the first of the month. They will send it to the credit companies 3 to 4 days before your due date, my due date is the 23rd of every month and I make sure what amount I spend or the month before I put back way before my due date. One time they sent it over for $5 and my credit score drop 26 points.

I used this card since 2018. They were always helping me with my dispute when the money was a small amount but ever since October 15 22 I purchased a $363.50 wig from ASHIMARY hair product they won't go forward with the dispute. They have closed it over 100 times. This Merchant Ashimary hair product has received the item back and still have my refund. Chime keeps my discount so all the Chime workers are **. This merchant is a ** company so they not helping me now so this merchant basically robbed me. This company is for the merchant not the people's. I'm closing my card tomorrow and I'm done with this company. They are scammers. It's had a class act case against it where they had to pay 1?5 million to customers they scammed so do not use this card company.

Chime customer service is not good. They don't take notes on your situation. They close my dispute without letting me know don't attach your card with cash app they are not helpful my account is locked. I can't even get in it.

This company has been the most unavailable, unreliable, and misinformed experience I've had since my son passed 2 weeks ago... Trying to close his account and talking with people that are not only not helpful but don't understand or try to, that I have sent all of his records a dozen times... I would highly suggest not doing business with them if you care about any business affairs for your family in case of your death... I have begged them to help me...even supervisors as they are taking other calls while they speak with me. This is the worst business exchange of all of his accounts and I want everyone to know. I will probably have to hire an attorney... Don't use them. The broken english supervisor wouldn't allow my request to go over his authority.... It's an inept organization.

I went to Chime because I was using another online bank that had terrible security. Had someone order a debit card from my account while I was on the phone with customer service to cancel another card that has been ordered and activated without my knowledge or authorization. I liked that just to open the account I had to go through several steps to verify my identity. If nothing else I felt more secure about the account than with my previous bank. Security I give good grades for, everything else is less than acceptable. First my direct deposit, I called to ask why they are so random. Could be Wednesday at 1:30 to noon on Thursday. Their response is the payroll department is at fault.

I loved chime, to be perfectly fair I convinced 3 other people to move to Chime. If you never need anything from them you will likely feel the same. I however needed customer support. I pay my mortgage via the Chime Check Pay. Supposedly they send a check to pay my bills. My mortgage company is claiming I missed a payment that I paid with this feature of Chime. I initially requested copies of those checks 28 days ago which their website and some of their customer support representatives know. After 10 days of being patient (they told me 3-5 business days) I have started emailing, chatting and calling every day. All their offshore support can do is provide statements which of course I can get from the website, so they are essentially useless in this case. They created an escalation ticket for “back office team” who could supposedly get those check copies.

Do NOT fall for the false advertising of their Credit Rebuilding Program! They only lure people who are trying to improve their credit by getting them to have their entire checks direct deposited in a Chime holding account and then, even after they send you a Visa debit card, and verify who you are, when you try to activate the Credit Rebuilding Program, that has to be done in the Chime App, it says you're denied because they can't verify who you are!

I got the credit builder card which has so been great for 2 months & suddenly I got a -77 point ding on my credit report. When I looked at why it’s because of Chime. I got the credit builder account to build my credit and everything is paid ahead of time. Every time I spend on that card is paid ahead of time but chime reported to Experian (I talked to Experian) that I owe a balance.

Had the pleasure to have employee Jun **, from the Chime dispute department work diligently and professionally with me in regards to my concerns regarding unauthorized transactions. He really helped me get everything sorted out and made me feel comfortable banking with chime. Thank You for being patient and understanding. Thank you for being helpful and very professional. Good Job!!!

I had an account about a year ago and they closed my account because of fraud and had my card replaced two times before they closed my account and they are saying that it's my fault because I got hacked.

Don't use this app. Worst business ever. Stole my money. It's been over a year and they're still neglecting to send me my money back. In my eyes and anywhere else that would be stealing. Do not use this app cuz I'm one of many it got stolen from. They got me kicked out of my house. I was out on the streets because of stealing Chime stealing my money. Repeat do not use this app. Don't fall into the trap and then I'm still in your money cuz anywhere else that's stealing.

I have been locked out of my account and can not get any help! I have phoned and emailed several times and the “supervisor” said to just keep waiting. Meanwhile I can not get to my OWN money!! Horrible customer service! Would never recommend!

Do not use this banking app whatsoever. My account got hacked at least 5 times through Chime. When I proceeded to file a claim, their service team decided to unsubmit to where I never got my money back. It previously got hacked again and when I go to complain they tell me that I have to wait till the charge goes all the way through to get my money back in which the money has already been taken out my account. Once I proceeded to tell them that I want my money back ASAP, they tell me that it could take up to 90 days. I said it once and I’ll say it again, don’t bank through this app.

Beware of this bank!! I decided to give them a try and was very disappointed... First off, the mobile check deposit has NEVER worked. The one issue that really sent me back to Chase was I was put on hold for 30 minutes to dispute an unauthorized charge on my account. Had to call them back as after a half hour I figured they forgot about me. After another 20 minutes on hold, an agent told me I may get my money (that is mine) by March!! It is December!! Do I get interest while I wait?? Going back to Chase. They refund disputed charges in 2 to 3 hours, not 3 ** months!! What a joke. Thank you for wasting my time!!

DO NOT USE. This bank is a scam. I canceled a service and they refuse to reverse the charges even though the merchant is willing to reimburse me but they never paid the merchant. I already urged family and friends to close their active accounts based on my horrible experience which I will also share with others. This bank will scam you out of your money. DO NOT USE and stick to reputable banks.

I woke up to four emails from Chime:

I do not recommend this company. I filed an dispute. They gave me the money and then these people decided to take back the money which my account was over drafted for the same amount of the dispute I made. I paid them back and they overdraft my account again. So basically there trying to make me pay them twice and then when I call they say basically I gotta pay them back. So I just shut down the account with the overdraft fee cause never did they charge me twice and never did I had to even pay back and dispute claim because my money was stolen from me. I left the company and I been with them for 5 years. They play games with people's hard working money and that ain’t cool. This company needs to be shut down.

This is by far the worse banking online company to use. You can do your own research but you will find Hundreds if not thousands of people have wrongfully had their accounts closed or not reason and Chime will not explain anything to you. This company should be shut down and is fraud! Where are all these people's money that you are keeping?? Chime has some major explaining to do! DO NOT USE THIS COMPANY!

I was very happy with Chime then all of a sudden my account was locked. I replied to their email with my ID and some mail to prove my identity. No response. I call customer service and they can't help me. So how do I get my 100$+ back?? This just happened a few days ago but I'm broke and need my money.

I have been locked out of my account since 29th October 2022 and to date, I am unable to get access. I have emailed the required information 5 times and called countless times and still no response. Apparently, their back office is responsible for verifying my information and they are overwhelmed with requests so I have no option but to wait. Their customer service representatives are not authorized to do anything to assist customers. The Credit Builder is also a scam. My card never worked. All transactions were declined despite having more than enough funds to cover my purchase. STAY AWAY FROM CHIME.

I’ve been a member of Chime banking for about 6 years, today I tried to update my new number and I sent a email to support@chime.com and they responded with a email asking me for my ID and a photo of myself along with the last 4 of my SSI and I did just that, well then my account gets suspended and shut down with $100.07 in it and nobody will respond to me. I tried to call and the lady said my account is under review and there is nothing I can do. That cards had funds on it to get groceries and now I’m screwed. I can’t eat tonight now over a phone number being updated. Buyer be aware. Don’t bank with these people, they will not be there for you when something goes down, they will tell you to email them. Thanks Chime.

Someone picked up my lost debit card and charged $504.29 to my account before I was able to notice, less than 12 hours later. I immediately cancelled my card and called customer support. They could not accept a dispute until the charges were final (and not pending). I filed the dispute as soon as I could, 2 days later. Less than 24 hours later, I received a denial letter telling me the charges were accurate and not fraud. I filed a police report, sent countless documents to them, and they are still saying that the charges are correct, even though I've been in touch with them daily since the incident occurred. I will be filing a complaint with the government and hiring a lawyer. This is the worst customer service I have ever encountered.

I have had Chime for years. I like getting my deposit 2 days early. That was, until this last week. Not 2 hours after receiving my regular paycheck deposit, a transaction called "Phblur" started taking $20 at a time from my Chime checking account until it was drained. Chime security sent me a message asking if those were mine. SO, I disputed them and had my card cancelled. NOT EVEN an hour after filing, Chime denied my dispute saying they found nothing wrong with the charges.

I get direct deposit for Social Security. Any other bank the day I get my check it's in the bank. They hold my check for two three days before they release it. They say they haven't received it yet it's wired from the United States government. It's in their account. They use your money and hold it to collect interest on it and release it when they feel like it. It's absolutely bull. Don't ever use CHIME.

Chime is not helping with my dispute at all. A ATM did not give me my 200 dollars. And they could care less about it. They said I was not eligible for a provisional credit. Their customer service is horrible, they could care less. Do not use them. Go to another bank.

Do yourself a favor and check the reviews of this company before giving them your hard earned money. My daughter opened an account in Chime in September 23rd because she was traveling to Italy. Chime advertises that they don't charge any fees for foreign purchases. I deposited her savings in the account for her expenses. On September 27th she tried to pay for an expense in Italy and her account was locked. Chime states in their phone application that there is an email to send information to verify my daughter and unlock the account. The same day (September 27th) the requested information was sent to chime.

Worst online bank I have ever used. When I decided to close my account they sent me email saying they had decided to close my account when in fact I did. You cannot mobile deposit checks. It is difficult to link other accounts.

I actually loved Chime when I first opened my account. Loved it. But then I had an issue with a check not getting deposited. I have been fighting with them for almost a month now just trying to get a RESPONSE. A RESPONSE. I called, emailed, and sent a chat with their online chatting. I have not been offered any help. At all. Use Venmo, Cash App, Pay Pal, literally ANYTHING but them. Truly awful company and outright thieves.

On September 10, I uploaded $500 at Walmart Money Center to my Chime account to pay two bills. The following day I tried paying my electric bill, which was unavailable to me due to Chime suspending my account. Without any notice, I suddenly no longer had access to my money. I called the customer service number on the back of the card, and they were unable to give me an answer. Customer service told me to contact Chime via email with pictures of my id and proof of address, and Chime should return me an email within 24 to 48 hours; that has now turned into three weeks later, and still no response. I emailed them every day until I realized I would not get a response. Customer service is only there to direct you to the email. They cannot reassure you if anything because they do not know. I will lose everything because this company will not return my money. How can they get away with this?

I had a account with Chime which they closed my account for no reason and stole $7000 that I had in my checking account. They gave me the runaround and some ** Lies. Please don't do business with them at all. They are a scammer bank.

I have banked with Chime for over a year. They recently closed my account with no reason. When I asked for the reason they said my deposits went against their transactions which the only deposits I get are a Social Security check. I had Chime Credit Builder and a savings account as well as the regular checking account. And for no reason last week on a Monday they closed my account savings account and my checking account and told me that I would be sent a check for my remaining balance. Which would take up to 30 days. Customer service is horrible. I've had issues with unauthorized transactions. It takes them up to 30 days to release your funds. I do not refer anyone to bank with them. The credit builder does somewhat help your credit but there are other ways, you can build your credit as your credit score doesn't go up significantly with them.

Chime allowed $1399.99 to be stolen from my checking account, denied my dispute, and refuses to return my money in spite of complaints filed with CFPB, BBB, and my local police department. Chime allows fraud to happen on its watch, and does nothing to protect its customers. Their reps just parrot the same canned responses over and over again. I continue to be asked to prove negatives when I did not make or authorize the transaction in question, and they need to return my money. Or, how about I get all the other people they stole from together and we file a class action suit to shut Chime down?

Why is Chime canceled orders, have a seven pending. Before I'm able to get my funds back in my checking account, my nearly $200 purchase that was canceled September 13 is still pending and tomorrow is the 20th. I have direct deposit and been banking with Chime for years. Had large deposits and they making me wait 7 days not counting weekends of course to make my money available for me. Really, are you serious? I think it's time to look for another bank. Chime is not the good bank I once thought they was.

Just opened my Chime account, got my card. Went to finishing activating my card, for some reason my account was locked out, everybody I speak to gives me the go around, now they have my money. Won't refund it. I've decided to get an attorney and report them to the BBB.

In trying to build my credit I chose to use the Chime credit builder card. I uploaded several hundred dollars in cash and used the card to pay bills and for items I needed. Even after I used my own money on the card, I had a few hundred dollars left on the card. I thought the use of the card in paying my bills using my own money that I uploaded on the card was how it actually improved my credit.

I had unauthorized transactions that were over 1000.00 on my account. I filed the disputes, cancelled my cards, reported identity fraud, and they still denied me. Worst customer service people ever!

Went to pay our electric bill to find out our account was drained by unauthorized purchases we never made & they will not cancel the transaction "due to policy". So now we have no money and have to wait around for them to actually process these unauthorized pending charges which could take up to 90 days so we have to struggle till God knows when, till we receive our hard earned money we worked for! So much for safe. That's a bunch of lies! So disgusted it's unreal right now.

Do not deposit a check for a high dollar amount. Never again will I do that. Even after my attorney held it for 10 days they had to do the same after receiving the funds from the other bank. I even went to the other bank to verify.....

I believe with all my heart that it was not an outside crook but Chime itself that stole money out of my account. My wife and I within 6 months had money taken out of both our accounts. 150 out of my wife's and she had to get a new card. $1,200 out of mine and I kept calling to tell them someone was changing my phone number cause I kept getting emails saying, "If you did not change your phone number, please contact us" and then my account information got changed and I couldn't even recover it cause they changed my email and everything.

A friend of mine referred me to Chime to get the $100 referral bonus for each of us that they offer. Before I did that I just emailed support at Chime.com and asked since I created a login ID and password in the past will I still be eligible for the bonus. Their reply in the email was they were able to locate that I created the account in September of 2021 but it was not yet activated so I could go ahead and do a direct deposit of at least $500 within 60 days and both my friend and I would still each get the $100 bonus. Within 25 days I had a qualifying direct deposit but neither of us received the bonus. I emailed back to Chime support. They suggested I contact support through the chat feature in the app.

Chime stole $250 from me. I had received a few hundred dollars on my chime card. I was trying to send $250 to a friend, I accidentally spelled his name wrong by one letter. I knew immediately I made a mistake so I contacted customer service. I made a dispute. When I went to check on it a few days later they said they had no record of anything.. I made a second dispute which they denied me. Pretty much saying they couldn't give me my money back that it was just in limbo. $250 is a lot of money to me.

I was a happy customer from 2017-early 2022... until the day they finally decided to close my account without any explanation or warning. The app prompted me to call them to address my questions. When I call, the automated system told me to email them and hung-up on me. I emailed them. I received a very generic response that I had a closed account. I asked for more information, and was told that that my account was "identified for closure" .... Again I replied asking for specifics. I was told I was being transferred to their specialists for review... That was over a month ago. No response. I don't even know how much, if any, money was in that account as it was my secondary account and I only paid 1-2 small bills from there and was getting direct deposits from a second job I stopped working recently. If I could give 0 stars I would.

Chime is not a bank. It's an app. There is ZERO representation from Chime for problem solving, and my problem was caused...by Chime. When they cause a problem, and they will...a customer service person who you cannot understand, will read a script to you over and over telling you that they will forward your issue to another department which will then get back to you in 24 to 48 hours. This all came about when I made a deposit to Chime from my Morgan Stanley investment account and when the deposit was completed, Chime put a block on my account! Why? IT WAS A DEPOSIT!!! Morgan Stanley JUST VERIFIED my Chime account with 2 small deposits a few days ago! I was not able to pay my rent and my property manager charged me $100 per day in late fees.

First and foremost, I'd like to say they're only good for their SpotMe and early direct deposit payments. Other than that, they don't give a crap if your card information was stolen and used online that was unauthorized. A year and a half ago was my first experience of debit card fraud. They immediately resolved my dispute in 48 hours. Now, when someone uses my card for $97.83 at Chili's on the complete opposite side of the city from where I work, they say they see no error that occurred. I called the Chili's and spoke to someone 4 minutes after I got a notification that my card was used at their location and they confirmed it was fraud on behalf of a woman or fake alias of "Lindsay London."

I banked with Chime since 2016. Fraudulent purchases were made on my account from across the country and Chime denied my dispute saying no error occurred. An absolute joke! How did I make a purchase at a casino in Vegas when I am on the East Coast? I will be closing my account until they employ more knowledgeable people in customer services and disputes because they are definitely not for the customer.

Like many other reviews on this site, Chime received one star from me, because the option for 0 stars does not exist. I feel this needs to change because it gives false information to consumers as an overall business rating. Chime needs to have a class action lawsuit brought against them. I have, for the past month, been trying to access my mobile account as still, an active member. For 30 days now, I have been unable to access my account online (the only way to do it) and NO ONE from Chime can fix it nor explain why. I have sent in every piece of documentation they asked for and then some, the only thing I can possibly submit to them that I have left is my DNA and blood sample. I have also done EVERYTHING they have requested, including uninstalling and reinstalling my app, trying to sign in from my MAC, you name it, I have done it.

I have been with Chime since 2017 and never had an issue with mobile deposit of check but until I received a check from my job like always but my job didn't have the funds in the acct so it became a bounced check. The check was returned and I ended up with a negative balance in my account. I notified my job and they reissued another check from a different account. I tried to deposit but they deactivated my option to deposit a check permanently and would not reactivate it at all. This was the one and only time this has happened and it was not my fault that I didn't know my job did not have funds in the account or had a banking issue on their end.

First, my 74 year old mother’s account was closed without her knowledge for ‘suspicious activity’. Then it took her nearly four months for them to return her money from said account. Also, they said they sent her an email about closing the account, I let them know they hadn’t, they sent it that day, a week after closing the account. Then my sister’s account was charged (by accident), that company returned the funds, but Chime never put the money back into her account. Any time you call they give you the runaround, it takes months for them to fix anything, if they fix it, and only when you hound them. It’s ridiculous for a company to treat people this way.

CHIME IS A JOKE! I have had my account with Chime for quite some time now. Recently I have had a lot of fraud and unauthorized transactions on my Chime account. Chime has been notified of each one. I noticed money had been transferred out of my account while I was in Las Vegas. While I was in Las Vegas Chime blocked my transactions to certain stores stating they were suspicious. I requested they remove the block because it was me attempting to complete the transactions. I was told they have no control over the system blocking the transactions. The city may have been out of the ordinary, but I shopped at Ross quite often.

Last Friday, I received a notice that I needed to provide a handful of documentation within 5 days, due to another larger source of income that I recently started receiving. I complied and sent it to them within the 5 day period, and they requested more documentation. I explained to them that there was some documentation I was unable to receive that quickly, and they gave me instructions on how to get documentation they would take. They then locked my account on Wednesday, leaving me with absolutely no access to my funds -- mind you, we were a few days away from bills being due (rent, utilities, credit card payments, FOOD shopping, etc).

My husband and I both have accounts with Chime and we've been with them for more than 6 years. Up until last year, we never had an issue with anything and if we did the customer service was great at resolving it. But, I went to jail 2 years ago and I was there for about 7 months, in which time I can't use my debit card as we all know and surely can't got to Fairfield Inn and rack up 700 dollars of charges in a different location from where I'm from, McDonald's, gas stations, etc.

Chime advertises that a person's direct deposit will be received 1-2 days before actual paydate when in fact it was not received and then had to jump through hoops to get the deposit. Then when transferring to an external account it takes more time! WILL NOT use this bank again!

Signed up for this 2 days ago. I'm waiting for my card in the mail. I have money in my acct bal but can't do anything with it until I activate card or link. Bank says temp card is active but still can't send money. Some reason bank verification won't go through at the moment so literally spent 2hr trying to figure this out and still can't get to my money. Very frustrated.

I have been using Chime for years. I use it so I can get my paycheck early. They have amazing perks such as spot me for up to $200+ dollars and a chime credit builder which I have been using as well. However when I lost my card someone picked it up and made purchases on it. I immediately went to dispute the purchases and the Chime support denied the disputed saying I have no evidence. Someone even purchased something at a place I have never purchased anything before for $2 I assume to test the card before purchasing more and then bought an expensive app subscription as well.

Absolutely horrible customer service. My father's card was stolen the day he was hospitalized over a month ago. We called to have a replacement card sent. Because we couldn't verify the last handful of transactions they refused to help us. I explained we had no idea what the last transactions were because the card was stolen and the best I could do is verify the last deposit we knew about which was in March. Was told that wouldn't work. Even though we could verify every other bit of account info they would not help us. Got fed up and told them to just close the account so we could open a new one and was told we couldn't even do that because we can't verify transaction history. It's ridiculous that they don't have a better system in place when it comes to stolen cards. I'd rather pay a monthly service fee on another card than to ever have to deal with these people again.

Do not use Chime! Customer service DOES NOT EXIST. I have been a victim of identity theft from their institution. I cannot get through to Chime by phone as although the account is in my name, and the emails come to my email address, whoever opened the fraudulent account did not use my correct birth date or phone number and since I don’t have an account I don’t have that number. Since it doesn’t recognize me, because I don’t have the fraudulent identifying info, it will not let me through. I emailed with them in April, they assured me it was identity theft and acct closed. Not true as I am now getting emails about continued activity in my fraudulent account in May!

This is ridiculous. I requested five of my checks images and info, total about 3K that weren’t credit to my recipient bank account. Two weeks later, I was pissed and told them it was unacceptable, I would close the account after I cleared with this issue. They advised how to close the account without providing my info.

Don’t do Chime. On March 23, 2022 at 1:16 PM Chime had a sweepstakes #WhyIChime and an agent name Williams ** said that I won and asked me for sensitive information. Now I know that this is the actual prompted Chime for privacy purposes and security. This person know the ins and outs of how this company operates and went into my account. Stolen huge sum of money from me. When that happened I was locked out of my account for 24 hours. This person updated all my information to theirs and I was locked out of my account. After I stop crying I thought about the number that was attached to the date but it was too late. They were took money from my checking, savings and credit builder.

After 2 replacement cards sent and still not working I have decided to shut down the account. Furthermore, the reps and supervisors look like be on ** and are unable to provide basic info. The overall customer service is terrible. Chime charges also hidden fees on transaction but, this did not happen to me since providentially I was not able to transfer funds between the link account with my bank. Overall sub zero or black hole stars.... if are zombies like that eventual security problems will arise. Again, the customer service is terrible wasting your time and does not deserve respect. I have eliminated this headache and already I feel better.

On Monday April 4th 2022, Chime froze my account because I logged into my account with my second phone because my original phone unfortunately had broken and had to be repaired. I received a message as I was attempting to log in that my account was frozen and I had to email review@chime.com. Upon doing so I was told that I needed to provide a valid state-issued ID, and proof of address which could be a bill and the message stated that this could take 48 hours to resolve. I have since sent those document literally 5 minutes after I receive that message. I have reached out to Chime via phone literally four times a day to get an update on where my status was as my account is still frozen 5 days later.

This business you can't even call a business. They are misleading. You have to get through a robot before you can talk to a person. Took my money, wouldn't give it to me but allowed me to send it to someone who didn't have an account instantly. When I finally got to speak to a human to close my account he tried to tell me his name was Bill. Clearly that was a lie. Also I would not recommend anyone using this. If I could give it a negative 100 I would and apparently I have to give them at least a star because it's required. The star I gave is by force not by choice. A negative is what I would give.

I have a pending transaction that was made by a merchant by mistake, (amount) was corrected and payment deleted on merchant side within 20 minutes of error. Was told by 3 different people from Chime that I would have to wait 3 different time frames for it to fall off. First was 3 days (business days) then 5 days and now 7 which means I will not have access to my money for over 11 days. The merchant did make the mistake but corrected but Chime will not take the initiative to release my money even when I provided them with a contact to clear it up.

The IRS say I should see received my tax return on the March 16. Now it is Friday the 18th. I have a feeling they stole my money and they lied a lot and very rude and disrespectful and the head manager hang up on you

I had this service for almost 2 years and thought it was great. I very rarely ever had any problems and when I did it was always rectified very quickly but read the fine print everything is run by computers. There is no humans at all. They will pretend to be human but they are not and if your direct deposit misses by even $1 the commitments that they lay out no matter how long you've been a customer with them.

I had a few questions about what Chime's functionalities actually were since the online description was rather vague. I just wanted to know if it could be used without having any direct deposit set up. After going back and forth with automated emails, preprogrammed responses and maybe 1 real human, I was told they cannot tell me anything about Chime's functionality period unless I submitted an application with all my private data AND have it approved. So just to ask one question I have to risk my credit score and trust an already shady business. Please avoid their services like the plaque! I wanted to file a complaint with the BBB except Chime isn't even accredited!

Allowed fraudulent charges on my Chime card without my activation and refused to refund money. Due to previously disputed charges I requested a replacement card, card never showed up. I reviewed my account and noticed charge hours old which Chime said I could not dispute. How could this happen if I didn't have a card in my possession?

On March 2 2022 someone withdraw $900 at ATM machine. I was at work at the time and have the credit card in my possession. I never claimed as stolen or lost. I put a complaint the same day. 5 days later they closed my case with no explanation, no help and no proof. Actually scammers and it's supposed to be protected by the FDIC. Yeah right. Don't trust this credit card (Chime). They are fake. Company. Location. San Francisco California far to deal with them in person.

I bought something online that I never received. The seller kept saying they would refund and didn’t! Chime denied my dispute as well as rebuttal even though I provided proof including the email thread with seller where the seller kept saying they were trying to refund and kept lying to me because they are clearly scammers, I rebutted 3 times and emailed with the seller until dec each time providing new emails or new info and chime still denied to refund my money! Seriously why are they backed by the fed reserve? I’m making a complaint…. Also the outages - what’s up with not being able to use my bank when needed because there’s an outage! Do yourself a favor and don’t use Chime.

Do not use Chime!!!! I recently opened an account with them, got my new debit card and had direct deposit. Went to withdraw cash from the atm...declined! Invalid transaction! I spent almost 2 hours on the phone with them after being on hold for a half hour and they couldn’t find any issues with my account or debit card! The guy had me drive around to different atms and registers trying the card over and over he had me change my pin several times and he could not see any reason why it would not work. He put on hold for a supervisor, another 20 minutes, who then also had me go to another atm and try again and told me to send them a picture of the error code there was no codes just a message saying “invalid transaction”! So 3 hours on the phone, almost a half a tank of gas and I have no access to my money now! They asked me if I have a “friend” that I can transfer to and have them withdraw the cash for me and give it me!!! Outrageous!!!

I'm unable to get a Chime prepaid debit card. I have no idea why. Probably isn't worth it anyway. They are a HUGE pain to deal with!!! I enter all of my info and go through all the steps, just to be told at the very end that they won't have anything to do with me. JERKS!!!!

I have a checking and savings account with Chime and have demanded for over a year that they close the zero balance accounts. To this date and ignoring multiple requests, Chime continues to refuse to close the checking and savings account.

I have been a customer for quite some time. This past Friday, somebody was able to access my account and change my telephone number and cancel both my Credit Builder and Debit card. I wasn’t aware until Saturday morning around 0740. You would think you would be able to contact customer service for fraudulent activity, but guess what? You can’t!!! Called the 800 number listed and per their lovely IVR system “my number is not on file and since I can’t verify the last four digits on my card I would need to EMAIL customer support.” What in the actual??

This company is a complete joke. They claim to be a “real bank” but handle unauthorized transactions with little to no care at all. I had my card stolen and 4 unauthorized transactions were completed on my card totaling over $800 and they closed my account and found no wrongdoing. I advised them if my police report from my purse being stolen at a gas station & they STILL refused to credit my money back or see the police report.

I will start out by saying, I am not an actual customer. I am an honest person who found someone's debit card. I was only trying to let the company know I had their card and to shut it off for them. Now to the unbelievable part. There is NO number for lost Chime Cards anywhere on their site, or on the card itself. I called the one "customer service" number that is on the card and on their website. I sat for a long time and listened to every option hoping to be able to speak to someone. Not only did I not get to let them know I had their customer's card, but I never got any real information. The automated messages for each area were more like advertisements for the company. I felt like it was maybe written by a young child for a school project or something. Sounded very unprofessional.

I had Chime over 3 years and never had any problems until this weekend when I get a email saying my account has been closed. I called. Tried to get answers and they said it doesn’t show exactly why they closed the account. Now it says they will mail my check within 30 days. Please don’t ever ever trust Chime with your money because they can close your account whenever they want to for no reason at all. I'M SO MAD. They are a scam. Please be warned. Don’t use Chime.

The worst customer experience ever with customer service. Guy's name is Jake. Of course there's no i.d. They can give or last name or anything to refer back to him. I've been fighting a dispute for $100 for over 3 months that I did not charged to my account. It's some weird company and time will not back me up and reimburse me on my dispute. I live on a fixed income and I absolutely cannot afford anything being taken out of my account fraudulently. Never mind the fact that it's $100. I asked for help over the course of three months and they would not help me. There's a lot more but this is what I'm starting at.

I have banked with Chime for a few years, and never encountered such a problem! My card was used fraudulently for a few charges, so I submitted a dispute, had to replace my card and then wait weeks for their “investigation.” They closed my dispute claims and said they didn’t find any issues, so of course they didn’t refund my money. I called customer service but they weren’t any help at all, she just kept talking about the conclusion of the investigation, but wouldn't provide any details for their “findings” because if they did then they would have noticed I didn’t make these purchases.

I signed up with them, after a day of being with them they locked my account to say they need proof of identity and proof of address, sent that… they still didn’t unlock my account. Now my acct isn’t in compliance with their policy, so I asked what wasn’t in compliance with your policy and they couldn’t give me any answers and I been going through for a month and they suspended my account… and if you ask me they don’t deserve no stars…. ** YOU CHIME.

The email that is with Chime is correct but they are telling me it isn't. They have held my stimulus checks for a month now problems with my retirement checks. Will not let me have access to ATM eather.

Chime stole all my money in my account. They shut the account off so I couldn't access my money that was just deposited into my account. They don't respond to my emails. I have direct deposit from my job and they said I wasn't in compliance with their deposit agreement.... With a direct deposit from work?? Chime is a scam and steal less fortunate people's money. I have read that they have stolen stimulus and ss payments. They have been sued numerous of times for theft. Please do not set a account up, go read all the reviews first. They are horrible. They don't communicate with you after they just close your money off. My kids did not eat for 2 days!!!! I had nothing, I mean nothing when they stole my money. I have yet to receive it and they won't respond to emails

I have been with Chime for over two years. Was going well until 11 am today when my account was closed. I am extremely frustrated and upset because I have done nothing wrong for this to happen to me. I received an deposit last night and now this morning I was told my account was closed with minimum information. My account needs to be reviewed and reopen immediately. I won't be treated in this manner.

My experience with Chime has been absolutely terrible. I opened an account in January and made an initial deposit of funds. However, when I attempted to log in a couple of days later, I was locked out of my account. When I emailed customer service, they asked me to send them scans of various documents to confirm my identity, such as bills, with scans of envelopes showing my home address.

Ok so starting out I loved Chime, I felt like the safety of knowing you can't bounce anything was great.. The addition of having Spot Me and Boost... They were great too...but wait... using our card we all are going to run into times when we need to Dispute a charge right... I have been in good standing, have my direct deposit going in regularly, so when I disputed a charge for 101.00 to a supplement's company, I would hope it would be handled like other banks...BUT NO... I entered my info, emailed supplement's info, and still nothing. No communication. But the biggest problem, they don't credit you when you start the dispute.. I was originally upset about this.. But now 28 days later I really don't think they are going to rectify my dispute, so I'm now researching other banks to see if this is par for the course or just Chime... So if you ever think you may dispute a charge then Chime is not for you, as they will not refund the disputed bill.

I have had banking for some time now and I’ve had past issues with them. I had an incident where my account was compromised and I went through their procedure just to come to the outcome of not being refunded my money back into my account. I then had to go through legal procedures to get my money back. Another time recently I received a torn $20 bill from a ATM recommended from the ATM locator on their app and the service was terrible. None of the workers knew how to go about this nor did they have a clue as of how to help. I’m currently still waiting for a outcome. Looking to cancel my account with them when this issue is solved.

I made a dispute about furniture I never received. It was fraud. I had all necessary documentation and they still denied my claim. How is that even right? If it was the person that disputed the claim they would want they money back as well. Documents they sent me was something to do with PayPal.

I have had this Chime account for a month and a half. I have not had access to my money in weeks now. I have my payroll going into my account. I have not received one debit card from them and have my account to where I cannot transfer my funds not EVEN to another Chime member. I literally have my rent and bills sitting in the account and am not able to touch it. I have called dozen of times. I have submitted their paperwork and still not one single employee or supervisor at that has fixed the issue or allowed me access to my money.

You guys didn’t let my tax return go through. Now I'm going to have to wait another two weeks in order to receive it. THANKKKSSS! All you guys do is steal money from people. “Spot Me” my ** is that? Another way for you to bite off people’s hard earned money because you guys are vultures. ** this company.

I recently opened up a Chime bank account and I deposited $900 on it. In two days we used it to pay several bills. There was $323 left on the account. They shut my account off, wouldn't let me retrieve my money, sent me an email telling me they have to let our payments process for 14 days and that we wouldn't see a check until after the 14 days and that they'd be emailing us out a check.

I've been using chime for 4 years now and really never had a problem until now. I was really excited to use the mobile deposits feature in the app. I had used another prepaid debit card mobile deposit feature and I was sadly disappointed and ended up closing my account with them. So when chime add that feature I was excited. I thought I learned from my mistake the first time using these apps to cash checks, But no I tried it and signed my name on the dotted line did all the steps they asked me to just for chime not to cash my payroll check.

They allow fraudulent transactions and will not dispute them. My account was wiped out and I can not get my money back. I've called them multiple times. I have 33 unknown transactions. $155 gone I can't get back.

My experience with Chime was good at first and then some things change over a year ago. Fraud in my account which was shocking, got an error in my email, called customer service and they was acting clueless. I will not go back to them again.

Never would have thought that I would be going through a situation like this one! Okay, so I’ve been banking with Chime since August 2021. It nice and all being able to have $105 in spot me which can help if I don’t have money on my account & something need to paid for. So on December 24 Christmas Eve I have to emphasize the day because most banks and businesses closes early this day. I just got paid and had about $1000 dollars in my account. After paying some bills my account balances at $735 dollars.

Deposited a check through them, they make you write on it and then if you cancel it for whatever reason or they deny it your stuck with a check you cannot cash! The customer service was of no help! I will not use this bank again ever!

So I signed up for Chime, sent them my ID picture of my face, all that stuff. Everything went through fine. Got the debit card in the mail and everything. Upon my very first paycheck deposit direct from the company I work for I was locked out of my account with NO indication as to why. The only good thing about this experience is that the deposit was canceled and sent back to the sender so I didn't have to deal with Chime anymore. They wanted proof of ID (which you need to send them to sign up for their site), my social security card and a bill of some kind sent to the place I live. Well I have no bills directed to me personally at the place I live so I sent them the letter from my employer, I sent them mail from insurance, I sent them mail I got from paypal, I sent my ID and my social security card. They did not accept it.

Total fraud. Over 5000 complaints for fraud on Chime as for today. They wait until over $1000 on account and then steal it. No refunds, all phones/email replies disappear. Filed with Attorney General, FBI etc. Hopefully isthmus scam will be closed and those criminals from San Francisco arrested.

Everything was good for a year. Then mysteriously, I could no longer transfer to or from my bank. Chime and Bank (Suntrust) said it's not on their end. Chime suggested I delete the bank and re-enter info but app will not accept bank info. Don't know why. I suppose I'll have to just use up the money in Chime and close the account.

I called before opening and account. I explained they unique deposit situation.. I receive VA benefits and I broke my payments into 4 parts. Minor's name in care of me. (I had a serious illness and will stuff this set up was better.) They said receiving it would be not problem.. So payday came around and they rejected all checks because the name didn't match. Of course this was in the middle of moving into a new place out of state. We needed that money for travel cost and trailer. So now we're left sol. Till the VA sends out the check. We're supposed to be out in 3 days.

Another online bank with no help for Fraudulent accounts. No 1-800 number to talk to anyone, you have to email some ghost. Can't talk to a CS Rep because Chime is too cheap. If someone opens a fraudulent account in your name, Chime don't care - they just want money. Good luck trying to clear it. Another good reason not to use this institution. Customer service has left the building.

God forbid you stay at a hotel for an extended period of time. They can't help you if you have a prior authorization. Over $700 in prior authorizations which they won't or supposedly can't fix the issue. Go away from the company and go to a real bank.

They closed my account for no reason. After I transferred everything over to them. It's a scam. Do not bother getting a account. They want to determine when and where you can spend your money. This is garbage. No notice. I didn't violate any policy or engage in fraudulent activities.

I’ve been with Chime for a couple years now. Bank is pretty mediocre. There’s been a lot of problems with false charges and I’m not the only customer to have this issue. They always have issues with the new cards you have to set up. The info in their system never matches what your new card says so they send out a new one and it’s the same cycle of waiting 2 weeks with fingers crossed. They do have a virtual temp card but they canceled mine because I had a fraud charge. They have “no idea how it happened” (I’ve only used this card on Apple Pay for a couple of stores so pretty sure either they are getting hacked or they sell info) and they left me with 0 access to my money until I get a card.

First of all - I really love Chime overall, the Spot Me feature, no fees or overdrafts, etc. I’ve reached a point though where I need to move on to a “big boy” bank since Chime doesn't offer joint accounts and constantly transferring money back and forth between my wife and I is getting annoying. Another major thing is that Chime is treated like a pre-paid debit card by most vendors. I’ve ran into an issue recently where I was not able to rent a car due to them not accepting Chime. And going to a Family Dollar to deposit cash is getting tiresome as well - it just feels like you’re not really part of an actual bank. This is great for young singles and personally, I absolutely hate big banks - it pains me to move to Chase - but until they actually develop themselves as a “real bank”, I need to move on.

Chime is inconsistent. They lure you in by getting your direct deposit about 5 to 6 days early. After that don't expect it until the designated date of employer, or benefit date. They will lower your spot me without any reason why, and will not post to your account the bonus 5 dollars you're supposed to received from friends called boost. I have had 3 months where friends sent boost never to be credited to my account but have my spot me account lowered from 60 to 50 to now 5 dollars. Their reps are all remote half the time dealing with screaming children or other domestic affairs, and any correspondence sent is never answered but then you are penalized for complaining or stating missing monies.

Be careful folks. I had fraud transactions on my Credit Builder card and they refused to protect me and refund me for those transactions that I didn't authorized. This company is a scam. You won't be protected against fraud. There are many people with similar experiences online. Don't do business with them.

I have been with Chime since 2019 and it seemed like a decent bank. That was until I had to call and report a fraudulent charge. The representative I spoke with lacked customer service and tact. The fraud process is a complete joke and they do not even attempt to assist you in obtaining your money back or even sending you a new card in an effort for it not to happen again. I have other bank accounts and Chime has to be the most lackluster one of them all. Instead of trying to assist their customers they are more concerned with how to make a dollar. No one in the disputes department could assist me in getting my money back instead they simply advised that it wasn't valid and hurriedly dismissed my claim.

My wallet was stolen and my Chime card was used at a store I’ve never been to. Filed a dispute and even reported my card lost. Chime denied my dispute saying no issues had occurred on on my account… Chime's policy is if they are still investigating your dispute within 10 days they have to give you a credit. Chime didn’t even spend 7 days on my dispute. They denied me quickly with no hesitation just so they don’t have to give me a credit…. I’ll no longer be a customer of chime after this.. DONT TRUST CHIME WITH YOUR MONEY!!!!

All was good until I wanted to deposit funds from my home refinance. They DO NOT accept valid wire transfers and they would not deposit a mobile check from a a valid Wells Fargo Escrow Account, even though they say they will accept mobile check transfers $10,000 or less. The only response I received was that they couldn't verify the funds. It's Wells Fargo on an Escrow Account, meaning funds are immediately available! Now I have to scramble around to figure out how to get funds there. Thank goodness I didn't completely get rid of my local bank account. Very poor service.

I have had a Chime account since 2019. I have been using it as my main checking and savings account, and eventually obtained the credit builder account as of May 2021. As of August 2021, I will never trust this corporation with my money again. It all started when I had to reach out for the 3rd time that mouth about a reoccurring fraudulent charge (Suspicions in itself). In result of feeling disrespected and abandoned by the folks who have access to quite literally all of money, the conversation became unproductive and emotional.

Claim online that they are better than a bank. That's **. They are just as bad as a bank or worse with deposits at least a bank goes in right away but Chime's policy has changed 5 business days before a deposit shows up. False advertisement.

This is the most difficult and inconvenient operation I have ever done business with. They didn’t accept any of the checks I wanted to deposit while I have them and it costs money to deposit cash. They are making it impossible for me to withdraw my funds after closing my account because “the system messed up” and didn’t fully send it to my real bank account. Now I have to jump through hoops and fight them daily on trying to get my $1200 back. They are terrible to work with and I could not stress enough how badly people need to avoid them.

My account had been hacked while I was in jail. My purse was stolen at that. I told this to Chime, and every time I'd dispute a transaction that wasn't mine, they would deny it. My refund was stolen and chime don't care!

I was a Chime member for 2yrs. Promoted chime to friends & family. Mid July I needed replacement cards. I did my part to verify myself. No, I didn't get them & have closed my acct. No I haven't received my check as of Today. I'm disappointed! Overnight my CHECK. You overnighted debit cards to both addresses after I verified my new. CHIME DROPPED THE BALL.

I’ve been waiting on my dispute for over 30 days now & all they can tell me is it’s being investigated. Smh. Can’t call nobody from the investigation team. THINK HARD before using them. Might as well use a regular bank.

It took a week just for a transfer to post, and once it finally did all my transactions were declined because when I tried to activate my card over the phone it kept telling me I had to enter sixteen digits after I already had, several times. Everything they do is designed to force you to download their app and bank that way, rather you want to or not. Now that I want to close my account, instead of just transferring the money back to the account I sent it from they want to mail me a paper check, that "may take up to thirty days" to get here. I'm sorry I ever opened an account with them in the first place, and definitely wouldn't recommend them to anyone.

Basically Chime has tried to stop me from receiving my provisional credit from my dispute I placed for 113 transactions. On the 9th day chime closed my dispute as completed and consider all transactions that took place were no error. (I have provided written proof that I was in mental Facility during the transactions in question.) I also provided a police report as the perps who did this are individual who was working for the facility I was admitted in due to them having my belongings (phone, wallet, etc during my time there) however, chime denied and completed my dispute unlawfully, unprofessionally and unethically.

I made a purchase then didn’t need the service I paid for after all. I spoke to the merchant and they had not received the payment yet and was told to speak to my bank. I called Chime immediately. I was advised to file a dispute. The time frame to get this resolved I want told was October. I called to check on the status and a supervisor informed me that my case was handled incorrectly and a dispute should never had been filed. I spoke to 3 different supervisors and all 3 had different resolutions.

I don't even know where to begin... I requested a new credit builder card twice never received it. And tonight Axl, one of the staff in the department cancelled my card because he said it was reported stolen when I never reported it stolen. Now I have no access to my funds for the next week. I called several times and they hung up on me 4 times! I finally spoke to a supervisor who claimed that my card was active until Sunday. I went to use the card after being told this and it was still reported as stolen so I called again and they wouldn't even listen to what I had to say. The guy on the phone when I told him my concerns told me that I could just pay for my gas over the internet. Extremely incompetent. Worst bank there is out there. Had issues since the day I opened my account. Can't wait to close it after I can finally withdrawal my funds.

While there are definite positives to banking at Chime, to me, the negatives far outweigh them. Some positives are that you often get direct deposits a day or two quicker, which is nice. And you can overdraw a certain amount (starts at $20 I think - despite their claims about $100, and slowly moves up. After 2 years I'm at $80) without any fees. There aren't any of those pesky bank fees which is nice; however, I'd rather pay a small fee and get decent service, which brings me to the negatives.

So I've had Chime for about 2 months now. I have been pretty happy with them. I absolutely love their credit builder and the spot me but recently I had a hold on my card for uhaul. After I returned the truck they would refund that money and take what I actually owed them. Everything on Uhaul's end was done. Chime however never refunded that money from the hold. They are trying to say that it was released back to my account but it wasn't. Not only that but they also completely make the hold transaction disappear. They were not helpful at all with getting my money back to me. And they need to not take hold transactions off of your statements. It should be in there that it was taken out then when it is refunded back it should show that also.

I really wish there was a way to give negative stars!!! This joke of a bank should be closed immediately!! I had 5 unauthorized transactions on my account and tried contacting Chime as soon as they happened and was told I had to wait until they post and then file a dispute which I did. On the 10th business day I get an email stating they denied my claim and will not be receiving any credit! Wtf! All they had to do was pull the video footage! I have since filed a police report, filed a report on CFPB, BBB and FDIC against them and if I don't have my money back soon I'm filing a lawsuit! This scam artist company should not be allowed to do this with our own hard earned money!

My account was suspended without warning for no valid reason and they made it extremely difficult to get my money back! It took me over a year to get a check mailed to me. They demanded a ridiculous amount of information for a trivial amount of money and tried to refuse to close my account and refund the money. Chime will try to steal your money!

I was a member for four years. Just switched to Chase and added my direct deposit yesterday. I fear my account being closed for no reason and also tired of being declined for no reason. I’d rather be paid on my actual day than early.

Chime is a mobile banking app. I have very mixed feelings about Chime. It is VERY frustrating that they boast about their two-day early direct deposits, when in actuality it is VERY RARE that they even deposit my paycheck in my account two days early. It's very willy-nilly on the timing. Also, they are VERY hard to reach. I had an issue trying to pay bills online. The only way to "talk" with anyone at Chime was through their chat. It's frustrating that every time I had to get out of chat to do what they had me do, I would get another person and have to start my story over and over and over and over and over and over. I finally got so tired of re-explaining things I just paid another way on all my bills.

Horrible customer service. Was on the phone for 1 hour to resolve an error on their end. Caused insurance lapse on my auto. Got transferred 6 times to different departments just to hear that the company would not immediately correct their mistake. I'm already looking for another bank, this one is garbage.

Worst company ever, they let me order and set up my acct and card and I even was able to load funds to it but one day afterward went to get cash to pay a bill and was told for random reasons my acct is closed. Oh and no you cant speak to a real person and the emails are automatically generated so guess it sucks if you want your money back and was told via robot email that my money after 3 weeks should be sent out in a check form like wtf really and it's been well over that and still no check. Shocker. You dont throw your rent money away to these thieves like I unknowingly did because you wont get it back.

On 04/24/2021 Google*Luxy Limited $423.99+$254.39=$678.38 I filed a dispute with Chime Banks Dispute Dept., was given a time frame Of 90=07/24/2021, that they would have a final decision to refund the said amount listed above. It is now 90 days today they still haven't made a decision, nor have they returned my funds. It's been constant game playing for 90 days, now they are saying that have all night to make a decision because they're open 24/7.

Getting a Chime card and account was the best idea I’ve had in years. No overdraft fees, no surprises and the app is amazing!! Big banks scam is but chime is not one of them. I can’t say enough about it and I’ve had it over a year now!!!

I love it. I opened it thinking it was just some bogus account but I fell in love with it. It's everything. I recommend it to my friends and family. Why wouldn't you have a Chime. At this day and age they're really lit.

Chime has been a blessing from A-Z. From getting paid a little early to having a Spot me, and then be able to get a Boost?!? Really? Awesome, as well as my one dispute was handled promptly. Excellent!

I have had an active Chime checking account for about 14 months now. All of my deposits, transfers, withdrawals have gone absolutely smooth. The Spot Me feature is amazing if you ever get into a bind. Soon after I add it on the Credit Builder card and immediately saw an increase in my credit score. I now have a chime savings account. Between the three I can transfer funds immediately. No delays, no hesitations. After banking with some of the larger Banks out there I feel like the customer support for chime is way better. Outside of a local credit union this is the absolute best option to go! I have been very happy.