Chime

Wiuld like to get up about my case situation concern my money being toik out my account against my own free will.

I love my Chime. Well i have been using their service and i will be using their service again. Thumbs up for chimebank.com

I've been using Chime for a couple of months now and I gotta say, I really like Chime a lot!
Very easy to use, very convenient.

Religiously every two weeks I get paid 2 days early having time and anytime I've ever had a problem they are on point with resolving it quickly

I bought of of the sequin cardigan and it was amazing!
The quality and sizes are perfect! Im never buying anything from anywhere!

Love it love it!

Great online Bank Platform. With easy transfers between account, credit builder feature built in, savings account also, get credit score update. Alot to do with finances

$#*!ty $#*!ibg app chime sent themselves $100 won't send me it back never will use this trashy stupod $#*!ing app -1000/10 never ever will use and we will all delete this

I talked with a representative for customer service his name was Jerry he was super great very friendly and highly professional im glad chime has someone like him to answer any questions presented to him he deserves a promotion!

For me Chime is the best there is out there! If I need money and don't have it the over draft option saves me and mine everytime. I'm never left without and I'm never penalized for it. The "big banks" need to take from Chime and how they take care of there customers. I won't be change it any other bank, probably ever! If they had banks themselves and found a way to keep doing business the way they do, I would stay with them forever! Tell everyone I know to go with Chime! Like I said, I've never been left without when in need and flan that means something to me! Thank you Chime for doing business they way you do business. It's much appreciated!

IRS deposited stimulus money for my 10 year old and myself on 3/12. The following day the app started having issues and I was unable to see my balance and the temporary card said “temporarily unavailable” at the time I was using the temp card as I was still waiting on a replacement from over a month prior. I downloaded the Chime app and logged in from my sons XR iPhone and same thing. So it was not just my IPhone 11 having an issue. I immediately called Chime support and updated my e-mail address, password, and requested new cards be mailed to my home address on file for over 1 year. I was not feeling secure after the phone call as the agent literally misspelled my e-mail address five times after I phonetically spelled it out ( it’s my last name backwards 5 letters and three numbers @ iCloud.com) not difficult. Anyways I decided it was best to move the money out of chime into a brick and mortar bank ASAP. I would not have had that large of a sum of $$ deposited into an online only bank IRS deposited as a result of COVID. I saw Chime had the bill pay, “Chime Checkbook” option. So I read all the information regarding the electronic agreements that’s what I do, and I decided it was a safer option than leaving the $$ in an app I had no cards to access. So I mailed myself a check to my home address. I actually mailed three. To be safe just in case. Well on 3/23 I received an email from Chime saying my $1500.00 check to “” myself had been cashed. While I was at work on camera mind you. I was beside myself. I immediately called emailed chatted. Thirty emails, daily phone calls, countless chats later. It took Chime three weeks to provide me a copy of a check issued by BANK OF AMERICA, cashed by ?!? god knows who?!? Or where? Jeff who is supposedly the head of Chime escalation told ME to pursue the issue with law enforcement if I thought someone had taken my funds! Are you freakin kidding me, no assistance from Chime at all. Thank god I stopped payment on the other checks immediately when I got the email. Chime took three weeks to get me any evidence and the other checks and replacement cards never arrived! They are still MISSING IN ACTION. Before Chime provided any documentation I could use for law enforcement I had already filed reports/complaints with FDIC, USPS, METRO POLICE, NV ATTORNEY GENERAL, FTC, IC3 and CONSUMER AFFAIRS. I also opened a claim with Chime as well. Chime said they have NO RESPONSIBILITY FOR CHIME CHECKBOOK ISSUED CHECKS AS A THIRD PARTY ISSUES THE CHECKS! This information needs to be known to anyone before they download the APP. PERIOD.

BEWARE: Stay away from Chime! I’ve been receiving my unemployment from my job (government job) for a few months. On Friday chime without notice suspended my account telling me that the system flagged a deposit & that they need to know where that transaction came from (clearly marked State of Indiana Unemployment in the statements) & what I was planning to spend the money on! I can’t make this up! apparently in the terms and conditions (section 9) we agree to have our account suspended whenever chime feels the need then we wave our privacy, agreeing that we will tell them the origin of any deposit & what we plan to spend the money on. The only way to get your account unlocked is to jump through hoops and arf like a seal. I have sent a pic of my ID (front and back), a signed handwritten letter of what I was going to spend my unemployment deposit on and a letter proving that I am indeed entitled to receive unemployment. Only to be met with email after email requesting more & more information. Most recently I received one this morning. We are now at the point where they would like me to send them a pic of me holding my ID as well as another form of ID & proof of address. (The same address that’s on my ID as well as the official letter documenting my eligibility to receive unemployment.) Meanwhile, I have not been able to pay my bills because I cannot get access to my money what so ever. I can’t even go to a physical bank to withdraw. I have had chime for years & this is the first major problem I’ve had but it’s enough to make me take my money and run! ( well as soon as I can gain access to it) UPDATE: it is day 5 of not having access to my money: I have been asked for another form of ID, more proof of address (even though my address has matched on every piece of documentation) W2s and checkstubs from a previous job. Keep in mind this is all over a “suspicious” unemployment payment. This process has been long and they are very unapologetic, “It’s just policy and procedure” LAST UPDATE Day6/7: after all proof and legit paperwork was sent they still elected to close my account. That’s fine but they are keeping my money as well. More than 1/2 of the money in my bank came from a source other than unemployment (even if it didnt I still don’t see them entitled to keep my money) I now have to contact the attorney general to sort this out. Idk what kind of scam they have going on but I wouldn’t trust them with my money unless you can take a loss when they decide to steal it. I would also like to add any company that makes their clearly foreign customer service employees pick an “American” name instead of using their given name is soooo racist! It’s 2021 come on!

MY REVIEW IS, guaranteed,
- 100% real
- unbiased
- without incentive / promotion of any kind

The good, the bad and THE UGLY

THE GOOD
1. ALLOW TRANSACTIONS FEATURE
This feature allows you to choose whether or not you are allowing transactions at any given time. Additionally, you’re able to decipher whether international transactions are allowable.

2. SPOT ME
It’s nice having a little bit of leeway if you’re short on cash. They don’t charge you with NSF fees. You’re able to TIP them once you bring your account balance above $0.01–but it isn’t a requirement

3. Credit, Spending & Savings
Having the ability to move money into your desired account is incredibly easy. I’ve worked with different financial institutions in the past that made getting money out of my savings account near impossible. Chime lets you have control.

THE BAD
1. DISPUTES
Don’t expect this process to be simple, quick or effective. I had unauthorized activity on my spending account and I notified them as soon as I realized the discrepancies. I canceled the card, ordered a new card (which took centuries to receive) and disputed all of the activity I didn’t approve. They quickly denied my claims and made zero effort to help me.

2. Ability to access YOUR MONEY
perhaps there was unauthorized activity on your card... or maybe you just lost your card. Either way, you’ll have to order a replacement. While you’re waiting for the new card to be printed, shipped and (ultimately) delivered to you... be prepared to have absolutely no way of accessing your funds. Also... if you try to find a solution to this, be prepared for complete disappointment. Chime Support will send you an irrelevant, pre-written response or will simply dismiss you all together. It depends on the competency of that particular associate.

3. ZERO NOTICE FOR SPOTME Limit Changes
I had a limit of $75 on SPOTME and then, suddenly, my limit had been reduced to $45. They didn’t warn me that my limit was going to change. I didn’t receive an in-app notification. It just happened. They provided no reasonable explanation as to why this occurred. They also completely failed to offer any solutions for this, VERY FLAWED, business practice.

4. CONNECTING TO OTHER BANKS
Each time I’ve tried to connect my Chime account to any of my financial institutions, it’s unsupported. I use globally-supported businesses that have been around for decades; yet, Chime doesn’t “support” the connection to my accounts.

5. NO PHONE NUMBER
Sometimes you just want to be able to get a hold of A REAL HUMAN BEING without waiting for 24 hours. But... this is not an option if you’re using CHIME

THE UGLY
Read their “Disclaimers; No Warranties” section in their User Agreement. It’s abysmal.

My name is Leah Edwards. I have been banking with Chime for a while now. Up until now I had never had a problem. I had someone from Chimes direct customer service number call me and say they had declined a payment due to suspicious activity and wanted to verify that it wasn’t me for fraud prevention. Long story short it was a hacker and they stole $6,900 dollars out of my account. The initial customer service agent I spoke with regarding the issue told me that she would cancel my card and get me a new one. I needed the money to move my family from Indiana to Arizona so I tried getting all the immediate expenses I needed out of the way. 2 days later I got a notification saying my current card had been canceled and that a new one was on the way. When I went to try to log into my account to check my balance it logged me out and said my account was suspended without any warning. This was on June 29th. It has been suspended since then and I moved my family out to Arizona with the little bit of money I had taken out. They said I needed to send them proof of who I was with additional documentation and once they’d received it, it would be 1-2 business days before they would make a decision on if they would lift the suspension or not. I heard nothing and called after 2 days. They said they needed additional proof regarding specific transactions and deposits as well as proof of who I was. Again, once I sent the information and it was received, it would be 1-2 business days. Again I heard nothing after 2 days and called and they said the same thing. I did the same process and they said they couldn’t offer any more information on how much longer it would take. A week later and we’re at today. 2 weeks now, with no access to my account. Now way to see if my money is even still in the account or not. No money for food or to pay my bills that are all now past due. I again called today and they said that they have now “escalated the situation” and upon the department reviewing my information it would be another 1-2 days. When I asked the agent what they were going to do about the now balances I owe that are now past due because of Chime they said they aren’t responsible, I tried to explain that because they closed my account my family and I are now moved across country with no money and their suggestion to me was “to wait a little bit longer.” Chime has suggested to me that they don’t care about the situation and that they won’t be covering any late fees that have been now acquired directly because of them. My account is still currently suspended and will still at earliest be hearing something in “1-2 business days.” I’m currently taking action. If this is how Chime handles it’s customers and their money, I AM DONE WITH CHIME. If I could give 0 stars, I absolutely would!

When I first heard about this app/bank I was a bit skeptical. No fees? What? I can’t tell you how many hundreds of dollars I have lost over the years to other banks. It’s really a shame. Chime was an absolute life saver. I will say though, I don’t get my pay check any earlier like some people who bank with Chime. I’m not sure why. I also don’t love the fact that I can’t deposit money into my accounts without paying a fee of $5 for every $500 I believe. It’s my own money, my own account so I shouldn’t have to pay money to deposit money into my account. CVS & Rite Aid are the places I’ve gone to deposit so far. I just hate that fee. I’m sure once Chime becomes bigger & more popular, there will be “few free ATM’s” where we can deposit money into our accounts without a fee. Anyways, I love Chime for SO many reasons. I love that they offer us the credit builder credit card! My credit score has gone up significantly because of this! I can even split my pay in half, half to my spending & half right to my credit card so I don’t even have to think about it! Every single purchase is rounded up & that money goes into my savings (which has grown significantly because of this). Every penny counts, literally. Before you know if within just a week, you could see an extra $10-$20 in your savings from simply sounding up purchases all week. I also love that if I’m buying something online & don’t have my debit card in front of me or don’t remember my card number, I can simply go to the Chime app & see my debit card! Not only that but the app makes it so simple to copy & paste your routing & account number for easy online bill pay. Nobody remembers their account & routing numbers! But Chime, once again, makes it easy for their customers. I just absolutely love the Spot Me part of Chime too! If you’re running low on cash before the next payday, Chime will spot you the extra money without a FEE! How awesome is that? I make sure I “tip” Chime when I do get paid because that feature is incredible. You can easily transfer money & get this! You can also MAIL A CHECK for FREE! In the Chime app, also making bill pay that much easier. Now I don’t have to worry about whether I have stamps or envelopes at the house. Chime also has a section that shows their customers in the app how they can make extra money working from home, lower their bills or car insurance, it’s just great! Anyone who doesn’t have Chime, is just dumb. There are so many benefits! I should literally be in a commercial for Chime. I can’t say enough good things about it. No fees (at all), tips on how to make more money, work from home, lower car insurance, investment options, fee free ATM’s to withdrawal money, mail a check for free, easy transfer money options, super convenient round up options, it’s a no brained! Bank with Chime!

If I could put no stars I would put zero!
I believe that my account was compromised because of Chime banking as of 08/13 things had escalated on emails look like chime but was not the hackers where able to change my email address just by knowing my email address my phone number my name everything they changed except my s.s number for that reason I closed my chime banking account that was awfully easy for them to take over my account and withdraw my money on the 16th even though I contacted chime banking on 8/13 when I was notified my email address had been changed I told them no I had not requested this and they where supposed to suspend my account so we could secure it then I received an email later on that same day from chime banking support notifying me my phone number had been changed I responded right away again no no I did not request my phone number changed no I DID NOT REQUEST MY EMAIL TO BE CHANGED PLEASE SECURE MY ACCOUNT and then on the 16th I called them and told them NO ONE FROM SUPPORT HAS RECHED OUT TO ME NO ONE HAS REPLIED TO MY EMAILS AND I HAVE MY DIRECT DEPOSIT ARRIVING TODAY SHE TOLD ME SHE SUSPENDED MY ACCOUNT AND THAT IT HAD NOT BEEN SUSPENDED AT THAT OINTMENT BY ANYONE BUT SHE SAID NO WORRIES I HAVE IT SUSPENDED NOW THAT WAS AROUND 10:30 am at around 7pm I was notified on my iPhone my deposit was in I call chime right away to se if I could withdraw my funds until this banking matter was resolved she said yes because I had my card then she said no my deposit of $481.00 was deposited but then was removed and paid to Apple for my exact deposit amount . I was on the phone yes it was and $481.00 was deposited and with in 30 seconds was payed to Apple and I would have to contact Apple about the matter for a refund it’s chimes fault I have emailed them numerous times since the 13th and numerous time on the 16 th because they told me that was the only way I could contact chime support to resolve the issue of changing my email back to regain entering my account and that I would have to contact Apple for a refund are you kidding me. and not one time has chime banking responded to my emails not even my first email telling them I did not request my email to change. And I told them no I did not request phone number to be change on the 13th and I called told them they say sorry nothing I can do you have to email support and wait for them to reply but tell me that they can suspend my account then they unsuspected it for the hackers to steal my money and now they have let these hackers steal my money change me email change my phone number my address my name all after the 16th except email and phone was done on the 13th they where notified right away it was not me worst experience I have ever had and they definitely dropped the ball and have not done one thing to help me I’m discussed

ITS EXTREMELY DUMB TO OPEN AN ACCOUNT AT CHIME IF YOUR JUST BANKING. YOU HAVE TO BE SUPER DEAPERATE TO USE IT FOR CREDIT BUILDING. it will help credit for 2-4 months then it has no effect. Credit bureaus once something is widely used drop the effect of it. Customer service 1I’ve requested a copy of all my transactions in paper form in to be mailed for 6 months never received. Been told verbally they would mail them then it became they will request them. The credit builder card is useless I highly recommend not using this. Getting a secured card is much safer & better. They basically report what they want when they want. I once had them report a $41 balance for 4 months straight lol so even though I’ve paid that balance and had hundreds of dollars in and out of that account they still reported it. I called and asked why this is done they apologize and say it will be corrected then it never happens. You could seriously be guaranteed verbally and then nothing happens. I then requested an investigation they say in the response “ we understand your frustration & sometimes it’s hard to understand how credit reporting works” lol I have had my card have multiple charges fraudulent maybe not on their doing but still you can’t dispute something in the app but you used to be able to. So if you’ve had 4 or so fraudulent charges they make an extra step where you have to call them and they transfer you 3 or 4 times and each time you have to repeat it to each employee and obviously they rubber stamp it with the guarantee to fix it. So then they randomly will send you a document for that dispute you just spend 40 minutes explaining a court case on why it’s fraudulent they make you print out document and sign it then send it back to then randomly they decide not approving it and then send a document saying they’ve approved or denied it. Let’s say they do approve it you can’t go into your account and search for it and sometimes it doesn’t show up . The keyword search for transactions is horrible. It only searches for you checking account and savings so if you want to research and investigate your credit card so called credit builder account you have to download your statement then look thru bc they don’t mail them obviously. So good luck with that. They denied one of disputes for reasons unknown I had two transactions back to back and the company got away with it because they reworded the business name and of course chime denied it bc well it’s impossible to get real help. They have such bad security they allow their members get catfished by fake twitter chime accounts. Trust me do not put very much money in this company. I have no clue how people are allowed to open up banks this easy. But obviously they are biased at this company Customer service negative 500 stars Banking zero stars Credit building 1 star Security zero stars

As a brand new Chime customer, I decided to give it a shot to see what the online banking world was all about. With multiple promotions, and seemingly good reviews for an early direct deposit...why not? Well, based off my rating...we can see the direction this review is going.

If there’s anything I would suggest...DO YOUR RESEARCH! Here’s my experience with the Chime Banking platform as well as the Chime support team.

-If you are looking for a quick solution towards obtaining a new debit card...this would not be my first choice. It takes approximately 10 business days after opening an online account to receive your new debit card, with no tracking method. The mobile app is beautiful and seems great, until you start needing additional customer support.

-My debit card was lost, so I immediately tried to use their “support” chat-bot, who tries to be the AI solution to your problems...but in reality...I just wanted to speak to someone in customer support who could direct me with a simple solution to figure out how to get a new card. They immediately shut my card down within 3 business days, and sent a new card to my billing address, without my knowledge. I somehow was able to locate the customer care phone number, in which hours of operation are from 7AM-7PM CT. Getting thru to an ACTUAL agent required some bypassing of the virtual robot who continued to redirect me to the Chime Mobile app. If you’re struggling to get through, and have tried to call...just keep pressing 2.

-My card that was USPS expedites was told would be sent in 3-5 business days, yet no one could ever provide me with a tracking number. Well, that didn’t show up. They had to RESHIP a new card in which I was told would take ANOTHER 10 business days (which would make it 1 month of having no debit card).

At this point, my direct deposits are coming thru, 2 days early as promised (but truly not worth the stress elsewhere) and I’m trying to transfer an outside bank. I’d HIGHLY SUGGEST keeping a local bank that you can gain access to the funds in person, as this bank doesn’t have any locations to stop into.

Chime’s support team not only read off a scripted sheet...they were all very difficult to understand, and everyone continued to reroute me with different answers each time. Thru my frustration, I bypassed my calls by directly asking for the direct Floor Manager, which still did not help me.

Chime encouraged me to use my Venmo account until my new card came...yet once added to Venmo...was “flagged” from the Venmo team. They also “flagged” my new debit card (officially received 3.5 weeks later) as “not accepted,” when their support bot states that they’ve worked out their issues with the platform. Again, sincere disappointment.

Hopefully this helps give some clarity. There’s a great opportunity for Chime to grow into something great...they just aren’t there yet. ‍♂️

IF YOU FREELANCE DO NOT OPEN A CHIME ACCOUNT. Better yet, if you’re a human who needs reliable access to money, do not open a chime account.

I opened my account February 12th and in the first month of having chime, I have encountered the following issues:

1: MONEY TRANSFERS TAKE A LONG TIME. transferring money from outside bank account into chime took 9 days, the money was held in limbo, leaving me without any access to my funds and no way to track it.

2: TOOK A MONTH TO RECEIVE DEBIT CARD AND ACTIVATE ACCOUNT. It took until March 6th to receive my debit card. This would not be such a huge issue if the app didn’t require me to activate the card I have not yet received in order to use all the features of the account, such as withdrawing or transferring money outside the account as well as setting up automatic payments that used to be on my other bank card.

3. MY ACCOUNT WAS SUSPENDED WITHOUT MY KNOWLEDGE. I went to check my account today and found it suspended, meaning I could not get into the app, did not have a debit card and literally no access to money. I was never told WHY my account was suspended, even though I talked to support. It is now regained access, but I am still unsure of what I did to warrant the suspension or how to avoid another one in the future.

4. MOBILE CHECK DEPOSISTS ARE NOT A GIVEN FEATURE. What kind of mobile banking app holds mobile check deposits hostage? In order to use and keep using mobile check deposit, you have to have $200 in direct deposits every month. This means you either have an employer making direct deposits or, the solution that was given to me was to deposit the check into a PayPal account to then transfer it over to my chime account. Sorry, what?! I have to use another banking platform to use my banking platform? What kind of nonsense is that? Honestly, taking the most crucial part of online banking and making it unnecessarily complicated.

5. PAY MY FRIENDS IS USELESS. Pay my friends feature is NOT like chase quick pay or bank of America’s zelle. It says you can transfer money to your friends even if they don’t bank with chime—sounds great!—if it weren’t for the old bait and switch. After paying a friend via chime, he informed me that it won’t allow him to transfer the funds to his account and will be sent a debit card in the mail instead. Sending a friend a debit card is NOT the feature I was sold nor the feature I want.

I had such high hopes for chime. I’m desperate for an easy bank account that doesn’t charge me for not making substantial monthly deposits but still gives me ease of atm access and money tracking.

Switching to this bank has been nothing but a nightmare and I will be closing the account ASAP. A month after opening my chime account I’ve called support 5 times, although I’m not sure why I bother when the response is always the same, infuriating “sorry, but there’s nothing we can do.” Please, Chime, do better.

Here is a list of events
Tuesday afternoon text from Chime:
“CHIME BANKING: Did you try to use your Chime card ending XXXX for $1.00 at 'CASH APP*MISSA PUMS gosq.com KSUS' on 07/20? Reply YES or NO.”

Replied No and they texted back “this transaction is blocked and no funds have been taken out”
Then another SERIES OF TEXTS 2 minutes later the same as the last about 20 of them

Replied No again same message again.

Wednesday: The above repeated several times Tuesday night until over $180 of transactions was pending on my account in the morning. I went through the messenger for help and disputed the transactions, they responding “we do not investigate transactions while they are pending”. Keep in mind all these transactions have already been flagged for fraud. I ask for a stop payment, bot doesn’t understand so I call. Tell a man on the phone the whole issue, these transactions are still pending they have already been flagged for fraud I did not make these purchases I don’t even use cash app this is Theft, you need to do a stop payment immediately.

This whole time more of these transactions are still coming in $1-$2.5 each. The member I talked to said there’s nothing they can do while transactions are still pending they do not stop payments, they do not stop transactions before they are completed. I know for a fact this is not how banks work I know this is not how a wire transfers work, they can request a stop payment at any time and report any transaction. At least during the Federal Reserves 24 hour verification period anyway. I inform the attendant on the phone of this, he said there was nothing he could do. I asked him to transfer me to someone who could help me, he refused and said there was no one that can stop any transaction.

Thursday: So today when I woke up none of the transactions were pending anymore and to my dismay they all went through, not a single one was blocked. So I filed a dispute again they sent me back an email with a list of questions that looks like they’re trying to deter blame to me,Do you write down your pin, where do you keep your pin, how many people do you share your pin with. If you’re curious the answer to those questions are no in my head and no one. The rest of the questions were about my car who do I share my card with do I have access to my card and I still have my card on my person was my card stolen. Those do make some sense but the answer to all those there’s also no I have possession in control of my car the whole time and no one else.

So answer the ridiculous questionsAnd received back a PDF document I have to print out and fill out before they will start an investigation that could take up to 90 days to determine whether or not I’m eligible to receive the money back that they allowed to be stolen. I do not have a printer at home and I will fill out this document tomorrow when I print it out at work, but this is currently where I am.

DO NOT USE THIS APP.

THIS APP IS NOT AN ADEQUATE SUBSTITUTE FOR A LEGITIMATE BANK.

I could sit and honestly write forever about my horrible experience with Chime, but I’ll just give you a summary:

Someone “cloned” my card and tried to withdraw $400 from an ATM. The charge was declined because of insufficient funds. I notified customer support and no action was taken. On Christmas Eve they tried again and this time drained my account. I was told I needed to wait until the charge was no longer pending to file a dispute and from there it can take 10-45 business days for them to “investigate”.

I call 2 days later and file the dispute, asking only that they hold off on deactivating my card because today my direct deposit would hit and I needed to pay my rent. I was assured it wouldn’t be deactivated until Jan 3rd so that I could still access my funds.

Today I find out that they deactivated my card, leaving me financially stranded. I called customer service and just so happened to speak to the same agent “Ralph”. He interrupts me, talks over me, repeats over and over that his computer is showing that the card should still be working and that he needs to transfer me so we can “re activate” my debit card. He puts me on hold only to connect me to an automated voice that says they are now closed and to call back at normal business hours. Instant disconnection.

I call back and my call is answered (they are NOT closed)by a “supervisor”. I tell him my situation, ask him to re activate my card, and get put on hold again. Turns out it is IMPOSSIBLE to re activate a debit card. There is nothing they can do.

Not only did “Ralph” initially lie to me by assuring me my card would not be deactivated, he lied to me a second time the following day when he told me that his computer showed my card was fine and had not been deactivated, and a third time when he told me my card could be “re activated”, only to transfer time to an automated message.

It is the 28th and come the 1st I will have rent to pay and I cannot access ANY of my money. All I am able to do is open my app and view my balance. Until my new card gets here on January 12th I can’t do a single thing.

This is wrong on so many levels. At this point this goes so far beyond a bad experience. You’re playing with a family’s life right now.

Chime’s atrocious customer service has made me distrust this app altogether. The fact that I called during genuine times of financial concern only to be transferred around, lied to, and hung up on is incredibly troubling. How can I trust these people with my finances?

I had initially thought this was a good idea because of “no fees, no hassle”. I now understand that monthly maintainable fees may be the price I pay for security and peace of mind. 24hr customer service, fraud protection, the ability to WALK into the bank to physically withdraw funds without a card, these are all luxuries worth it.

Think twice before downloading this.

To help me process your request, please submit:
A clear photo of your current and unexpired ID (driver's license, state-issued identification card, or military ID card) that shows all four corners
The last four digits of your social security number
One item from this group that is dated within 60 days and shows your full name:
Utility bill
Bank statement from another bank
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Insurance bill or statements
Water bill
Cable bill
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Please provide this document outside of any envelope, fully unfolded ensuring all four corners of the document are visible.

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For account security, please upload attachments using this generated secure link: https://docs.chime.com/232cc729-7871-4bd6-b7e3-e2f424fb8908. This link accepts 10 attachments at a time. Documents must be in JPG, PDF, RTF, TIFF, PNG or HEIC format. We don't accept Google Drive Files or other document formats. We may request additional items after the initial review.

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Thanks,
Wade | Chime Member Services

just to fix a minor problem they can't seem to fix. Chime bites I'd love to see a class action suit against this neobank. Hundreds of people have lost money or there money is tied up for months while disputes drag on only to never see their money again. Sign me up for a lawsuit. They claim you can link an outside bank and transfer money between the accounts but then it doesn't work. I got out of traditional banking for a similar reason. I just pulled my money out of chime. I honestly don't know who can be trusted in the banking industrial complex anymore.

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 alot 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. They are a $#*!jng joke. I hope someone high up from Chime see s what I'm posting. Not stopping I'm given my back thar Chime Stole from. Me. Yall are a bunch of theives. I still have not had my money returned back to my account. They continue to stall. A person used there Chime logo and provided a number for people to call with an 888 number on a website called Down Detector. People were having issues with their direct deposits. Said his name was James from Chime Support. Naturally I thought he was trying to help me but that's not the case. I sent all this information to their so called Investigation team with Chime along with a police report number. You would think that would have some red flags go off. They confirmed it was there logo but no one would like this on a website like that. This person committed a crimeof fraud. Why is there anything else to wait for? Still here without 930.00 back in my account. Instead I get punished by Chime saying I allowed them in my account. Well yes i thought he was from Chime Support I continue trying to explain this. Still getting the run around. I even sent them a screen shot. So until they do the right thing and return my money I will be posting this wherever I can. Chime is committing a crime by holding my money. Especially if it'd someone that used their logo. Nothing back from their Investigation team at all. It's like they went quite. Then I'm getting this BS information that they until 3/30 to decide if they want to issues temporary funds back to my account until resolved This has not happened either.
I would rather think about it hard. Why would anyone want to join a bank with no Integrity. They have no concern what so ever for their customers. Any other bank like Chase, Capital One, Bank of America if this situation arises with a customer they would have returned the money back to that customers account. Conduct a full investigation on their end to find out who this person is thar used their logo. Chime is bunch of thieves I can't pay any of my bills 930 is alot of money. Turn the other way go with another bank that had Integrity when it comes to their customers. Chime sure as hell doesn't. I will continue posting this every where customers can see it until your so called Investigation team returns my money. I really hope someone at Chime gets in touch with a higher up to get this resolved until then Chime is screwing themselves

I don't know where they get this chime is the best mobile bank account that is such a crock first of all I've been banking with them for five years I have been thinking they have my back they'll protect me and make sure nobody takes out of my account blah blah blah that's a joke for the last 6 months I've been with chime now every month they are allowing somebody to take my money out of my account I'm a single mother and all I do is clean houses I don't make a whole lot of money well when they allow these people to take the money out of my account you have to file a dispute and a dispute takes a long time to investigate well when they file the dispute that means I'm waiting at least at least two weeks unless for some reason they decide to reimburse me right then which doesn't happen very often but the last 6 months somebody's been using my account and routing number to be able to make charges on my account and the last 2 months they were supposed to put a block on Disney Plus Hulu and some Ware Shelbie account whatever that is they did not put a block on it therefore the next month these people were able to use my routing and account number and when you use routing and account number with chime the money comes out of your checking account when you use a card it comes out of whatever account that card is associated with well they use my account and routing number so it came out of my checking account and I asked him if I could get a new account and routing number they will not give me a new account in routing number because if they do that then they have to close my account for 3 months well at this point I don't give a damn if I ever ever deal with Chime again in my life because I thought they had my back but I've been dealing with the same person taking money out of my account now for 6 months and every month I make the money and bust my $#*! to pay my bills and it gets taken out of my account before I get the opportunity to use it and spend it on my bills and then I am waiting for them to do the investigation well while I'm waiting for the investigation to pay my bills the bills r due n have to be paid so I have to go to a church and ask for money to pay my bills rather embarrassing whenever I busted my $#*! to make my own damn money to pay my own damn bills they don't care and neither does PSO N ONG n my water company when they're due they're due they're not waiting they don't give a damn they want their money on time when due chime don't care. Also they approved the dispute last month from Disney plus but this month they didn't they denied it and the crazy thing is it was supposed to have been blocked so they could no longer make these charges last month but that representative lied to me on top of that they've hung up on me two different supervisors in the dispute center hung up on me and that's what they are getting paid to do is take these inbound calls from people who are pissed off because it's a dispute and they want their money they're getting paid to get listened to these people be mad and they hang up on me that's not very professional number one number two they did not put a block on the charge or the place that they are making the charges with and they were supposed to number three I'm still waiting it is June 19th and the first time I filed the dispute was back in May I'm still waiting on my money back and I had to reopen the dispute because they denied the first one chime is the worst bank I have ever dealt with do not bank with chime they're terrible I think they're borrowing my money and they're giving it back whenever they're supposedly done with the dispute nobody does their job to, they hang up on you they're not very professional it's a crock of s*** excuse my language don't bank with chime!

Why do I feel like I owe them for my secure credit card. It says 700 and some odd bucks but how when it's secured and you can't spend what you didn't load. Weird. Also my direct deposit from wonolo Frontline llc... won't clear I have been without funds now for almost 3 weeks wit my job, now this omg... some time I just feel defeated.. work for nothing, still no pay because of processing through chime. I'm hungry, tired, put of gas. They won't give me the 200 overdraft protection option but I spend and deposit my hard earned back.. smh..4-5 days and nights. I even could buy my daughter nothing because so many issues this is 1 more.. I'm so tired

So out of the blue on September chime restricts my account! I can't access a thing. So I contact them and they still don't tell me a thing! The only thing they tell me is they need a copy of my ID front and back and a second form of identification. So I sent it over. But then me not realizing sending from another email address it won't register to chime. So I told them I needed my email changed. But they didn't realize since the account was locked no changes like that could be made. All n all I still have NOT regained access so I reached back out because at this point I just want my money. They tell me that the only way I can get my money is if I get access to my old email address other than that they will not send my money to me they will send it to the state! I'm sorry that's like stealing! As long as you have a return address for me you are supposed to mail it to me! I know my rights and the law... don't play

After reading dozens of reviews and gaining first hand experience using this card it is my opinion the Chime debit card isn't as widely accepted as the company boasts. For a technology company whose motto is, "Do less, faster, more often," I shouldn't have expected anything less. Here's the facts - the PENDING transactions that will take a full week to refund aren't actually PENDING at all. In fact, there is no record of the attempted purchases which were only systematically declined because of the incompetent payment providers affiliated with Bancorp. It's an injustice to consumers who work hard for the money and do not have the luxury of simply waiting for things to change. Why is it everytime I call customer service they say there is nothing they can do & persistently state that I need to call the other party involved? So now I'm working twice for my money...! I don't think so.

Me and my roomie had our wallets jacked. I called Chime right away when we saw some charges at a Walmart we never been to. I even got the cops involved and filed a report. I did everything they told me to do, but they still wouldn't help me out. But get this, my roomie just disputed the charges on the app without no proof or nothing and they helped her out right away.

What's the deal? I think it's 'cause my name is a girl's name.

I had the police involved and I tried to reopen the dispute three times, but they just shut me down without even looking into it. That ain't right, they're supposed to investigate.

I lost a lot of money in just one hour, but I guess it don't matter 'cause I'm a woman. Chime ain't fair.

Chime is a company that I would not recommend to anyone. I had a terrible experience with them when I applied for their card. They sent me a card with my name spelled incorrectly, which was not the way I had put it on my application. When I tried to activate the card, I was told that my account was suspended and that I had to send my ID through email to their online support. I was very skeptical about this because it seemed like a setup on their part.

To make matters worse, when I reached out to their email support, I received a response from someone named "Red". I was confused and thought that I was being pranked. This made me even more skeptical about sending them my personal information. I politely declined their request and decided to find another card company.

Their instructions for sending my ID were also very strange. They asked me to write my name and date on a piece of paper, place my ID on the same paper, and take a picture of it. I thought that this was a ridiculous request and that they had lost their minds.

I would strongly advise anyone considering Chime to stay away from them. All of the positive reviews that they have received are lies. I almost fell for them myself, but I am glad that I did not. Do not make the same mistake that I did.

I've been using Chime for a year and a half now, and for the most part, things have been going smoothly. Whenever I had an issue, they were quick to fix it without any cancellations. However, in the past few months, I've had a fraudulent charge on my account. Chime deactivated my credit builder and then my debit card, which was supposed to block a certain company from taking money out of my account. Despite this, they let the charge go through and then deactivated my card. When I called to ask why this happened, they couldn't give me a clear answer.

As an over-the-road truck driver, I rely on my card to buy food and drinks while I'm out for weeks at a time. Now, all they can tell me is that I can use my online card, but that only works for online purchases. I can't go to an ATM or buy anything over the counter at any store with the money I still have in my account. This leaves me with no money for food or drinks for the entire week I'm on the road. Needless to say, I'm very upset with Chime and will never use their services again.

I've been dealing with Chime for the past day and a half and it's been a complete nightmare. I've spent over 3 hours on the phone with them and they still haven't fixed my problem. It's been absolutely no help at all. The issue started when a company took money out of my account without my permission. I contacted the company myself and they agreed to refund me, but Chime blocked the transaction and wouldn't allow the refund to go through. I called Chime right away and was transferred to 3 different people, but none of them were able to help me. I'm beyond frustrated with this company and I don't think I'll ever use them again. I even sent them an email while I was on hold, but they haven't responded yet. I'm so upset right now and I feel like I'll never get my refund. I would never recommend Chime to anyone. It's just awful.

I recently used Chime for an online international purchase and unfortunately, the item I received was damaged. I promptly sent the item back to the merchant on November 30th, 2022 and they received it on December 6th, 2022. The merchant had agreed to give me a full refund as soon as they received the item, but unfortunately, I still haven't received my refund as of January 29th, 2023.

Chime Financial Card has been denying my disputes and rebuttals over 300 times, which has been extremely frustrating. They have been blocking me from getting my $363.50 back, even though I have sent them numerous pieces of evidence such as shipping receipts, conversations with the merchant, and even emails of the merchant trying to blackmail me. I have also provided emails of the merchant falsifying paperwork, but Chime Financial Card keeps denying me.

It's disappointing that even though I shipped the item back, the merchant has my refund and they keep lying to me. I would advise others not to deal with Chime or the online merchant ASHINMARY. The merchant's quality is damaged, and they steal your money because they are international and based in China. It's been a frustrating experience, and I hope others can learn from my mistake.

I recently signed up for Chime and got their credit builder card. I was really excited to start building my credit and for the first two months, everything was going great. However, I was shocked to see a -77 point ding on my credit report out of nowhere. When I looked into it, I found out that it was because of Chime.

I had been using my credit builder card responsibly and paying everything ahead of time. But for some reason, Chime reported to Experian that I owed a balance. I was really confused because there was no way I could owe money on a prepaid card where every dime I spent was paid ahead of time. When I talked to Experian, they confirmed that Chime had reported a balance on my account.

I reached out to Chime's customer service multiple times and even talked to their management, but they just kept sending me in circles. They refused to take responsibility for their mistake and blamed Experian instead. It was really frustrating because I had done everything right and yet I was being penalized for something that wasn't my fault.

Overall, I'm really disappointed with Chime. They claim to be a great option for people who want to build their credit, but they clearly don't know how to handle their own reporting. I wouldn't recommend them to anyone who wants to take their credit seriously.

Chime? More like Chump! I had my hard-earned cash with these guys for a hot minute, but let me tell you, it was a total disaster. I mean, I'd rather hide my money under my mattress than trust it with these clowns. I had a checking account with them for over four years, but when I finally had to file a dispute for some seriously shoddy service, they showed their true colors. And let me tell you, those colors were not pretty.

Now, I'm not one to go around filing disputes left and right. In fact, this was my first and only time doing so. But the service I received was so bad, I had no choice. I told them over and over again how unhappy I was, but they just didn't seem to care. And then, to top it all off, they closed my case without even investigating it! Can you believe that? When I called to get an update, they just told me it was closed and didn't give me any explanation. Talk about unprofessional.

I mean, seriously, what kind of bank operates like that? It's like they don't even care about their customers. And let me tell you, I hope they go out of business soon. They're not special, you know. Plenty of other banks offer early direct deposit and overdraft protection. So why bother with these jokers?

If you're smart, you'll take your money elsewhere. Don't make the same mistake I did. Trust me, you'll thank me later.

I had a really bad experience with Chime. I ordered a scooter from BUCKMASO"M" and not BUCKMASO"N" on Oct 29,2022, only to find out that it was a fake website. I filed a dispute with Chime on Nov 4,2022, but I didn't hear anything from them until I contacted CHIME CHAT. They told me that my case was still under investigation and that a decision would be made on Feb 2,2023. I was really frustrated with the lack of communication from Chime.

I called back 2 hours later and chatted with a different live agent. She told me that my case was closed on Nov 14 or so and that she would reopen my case with the documentation I provided. I was relieved that someone was finally helping me, but my relief was short-lived.

On Jan 6, I received a notice to check my Chime account for a document. It was a denial to issue a refund of my $76.00. I was really angry and disappointed with Chime. I felt like they were being dishonest with me and not taking my case seriously.

To make matters worse, I mistakenly transferred money to the 2nd card sent to me, not knowing that a credit check was pulled for this. It showed up on my credit report, and I was really upset about it. This card was an actual credit card pre-pay type that the consumer puts money on and is tracked by CHIME. I have canceled my direct deposit and will never do business with this DISHONEST company ever again!

Overall, my experience with Chime was terrible. They were unresponsive, dishonest, and unhelpful. I would not recommend this company to anyone.

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. When I repeatedly explained in about 15 email exchanges that I don't receive hard copies of any bills or financial documents, I was eventually ghosted, after I never received a single substance of response actually addressing what I was telling them. Therefore, I sent an email asking to close my account, but nothing has been done after about about 5 more email exchanges, and eventually they ghosted me on this issue as well. My account is still not closed, and they still have my funds. This is outrageous. Do not do business with this company. This is the worst customer service I have ever experienced and an era when customer service is typically awful. I mean, come on, it's not rocket science to close an account and return funds. It's not like I'm asking for a million dollars or anything. It's just a small amount of money that I want back. But no, they can't even do that. It's like they don't even care about their customers. I'm so frustrated and angry right now. I just want my money back and to never have to deal with Chime again.

I've been using Chime for more than 3 years now and it's been smooth sailing until recently. They keep pushing their credit Builder card, which I finally got. But, every month, they automatically transfer 25% of my direct deposit to the card as the monthly payment. I understand that's how they make their money, but it's a bit annoying.

Recently, I received a notice from Capital One, another bank I use, that my credit score had dropped by 57 points. It turns out that Chime reported to the credit bureaus that I hadn't made a payment to them since November 1st and that I was delinquent. This has completely destroyed my credit score, which is really frustrating.

To make matters worse, there's a pending transaction hold of $35.64 on my credit Builder card that's been there for over a week. Chime is refusing to remove it, which is strange because I've never heard of any financial institution that doesn't allow pending transaction holds to be removed after 7 to 10 days.

I'm not sure what's going on with Chime. Maybe they've changed ownership or something. But, it's really frustrating that they're causing me so much trouble with my credit score. I don't know what I can do about it, but I hope they fix this issue soon.

I’ve never been thrilled with chime. Now I just want to get my deposit and close this account. I keep forgetting this isn’t a real bank, it’s like a piggy bank. I switched my direct deposit from CHASE (a REAL banking institution) to chime, a little piggy bank. These idiots say it takes 5 business days for a PAYROLL check to clear. That’s a bit strange, but ok. 3 hours after I make the mobile deposit, I receive a notification saying my check has been accepted, and I will have my funds by the end of the day. That’s more like it, only when I call customer support, they go back to the 5 business day nonsense.(I’ll have another paycheck by that time and will have gone an entire week without my weekly pay) Every person I spoke to could do absolutely NOTHING but read from their screen. Like an idiotic robot. This is the absolute WORST banking experience I’ve ever had to deal with. When it’s all over, I will tell everyone I know what an awful experience I’ve had, and just how bad their customer “support “ is. It would be extremely helpful if your customer support agents spoke clear English. I don’t know how many times I had to ask the person I was speaking with to repeat themselves because they just don’t have a stronghold on the English language. Chime has cut every single corner possible. Don’t trust your money with them, because as soon as there’s a problem, you will see just how awful this “financial institution “ is. As well as their “customer support “ let’s hold a payroll check that’s already cleared.

I opened the account and received the card. I deposited $500 on the card for my security deposit on an apartment, to use the card to pay the deposit online. I found out the next day that I had to pay the security deposit by money order in person only. So I went to the ATM to withdraw the cash I had deposited and I wasn’t allowed to. Either simultaneously or as a result of this transaction, Chime closed my account and informed me that I would be sent my $500 via check. This meant that I was unable to move into my new home until I received the check. This caused MANY issues
-Chime NEVER explained why they closed my account. Citing violations of their terms of service but never outlined what term I’d violated. Likely because I hadn’t violated any.
-My $500 check was mailed to the WRONG address, the agent addressing it to 3741 (which doesn’t exist) instead of 3714. The ONLY reason I received it is because I know the UPS man & had to chase him 4 blocks to get it.
-IF I hadn’t done what I mentioned above, I would have had to live in a homeless shelter until Chime decided to own its myriad of “mistakes” that resulted, or would have resulted, in my financial demise.
—Last but not least, CHIME HAS NEVER OWNED THEIR MESS

There are other cards out here that offer the same things. PayPal. WalMart. Serve. I have NEVER been disregarded and mistreated the way Chime has handled my situation. And considering I’ve done absolutely nothing wrong, this could happen to anyone. Just don’t do it. Let Chime fix itself while your money is secure elsewhere.

I’ve had Chime for quite some time now (switched from Simple in fact due to faster direct deposits). I’ve certainly enjoyed getting my deposits two days earlier than most banks surely. I would however encounter random little problems regarding my funds. Whenever that has happened, it becomes stressful in trying to speak to someone human. I’ve overlooked that for a very long time until I got a new position with a local business. They didn’t offer direct deposits so I had to deposit my checks manually through the app. I’ve encountered some issues with the check cashing through the app for silly reasons, some small some annoying and some understandable. The final straw was when they couldn’t cash my check the second time through the same work place (I assumed there would be enough recourse by then to cash the check, especially when the new checks are now more secure and official looking as those ADP checks). Then they proceeded to tell me that I CANNOT CASH THAT CHECK EVER AGAIN WITH CHIME! A huge pain point for this business is their lack of human interaction. They were cool when things are hunky dory. But when you really need to reach out to the financial institution that’s handling your finances yet you can’t really, how can one trust that in a long term? Alas I switched back to Simple because even though it’s the same concept, they cashed my check for one and they’re accepted more widely by other apps that connects to banks. I normally never review but all these negative experiences, though they are small, has added up to a huge frustrations over the bank.

I have banked with Netspend (the review is not about Netspend stay with me) for years and I’ve had some small issues regarding ATM fees and the occasional location that won’t accept the card *coughStarbucks *coughI digress. I decided to switch to chime based off of a recommendation from a co worker.

When I started using chime I enjoyed the way the transactions were set up and the alerts I received. I also like that the card has a chip and is accepted basically everywhere. They also have a nice selection of ATMs in their network.

Now for my issues with the card. The ATMs that are out of network generally charge a fee, yes of course, but I was not aware that chime charges a fee on top of the businesses ATM fee making a 20$ withdrawal with the usual 2-3 fee now a 20$ withdrawal with a 5-6 dollar fee. That’s outrageous.

The ATM is just a slight issue I had. My large issue is the fact that someone on the chime side processed my refund wrong. Instead of being issued a refund and receiving a credit I received an additional charge. So now instead of me being credited a small amount I am missing double the original amount. Once I was able to get past the IVR system ,that basically tries to force you to do everything online, the disputes department notified me that the investigation may take up to 90 days. (I have worked for a credit card company over 5 years I’m well aware of processing and time) Mind you I called the company that issued me the refund beforehand and I have proof that they issued it correctly so how did chime code it as being a transaction and not a credit?