The Truth About Chime And All These Negative ?? Reviews
If you are on the fence about joining chime , let me be the first to tell you . JOIN . Don’t be afraid of all these fake fraudulent reviews . These people are liars and tried to scam chime by saying they are missing money when they know they’re the ones that spent it ! They just know that chime had a minor glitch in the system and tried to counter on that and failed when chime didn’t refund money that they spent ! I’ve been a happy Chime customer since 2017 ! With not a single Mishap yet with money going missing . Good luck to your banking endeavors. Stop lying people . God Bless
Protect Yourself From Scammers
Since Chime has been offering these "Chime In" giveaways, members are falling victim to scammers who are impersonating Chime and sending fake DMs claiming the members are "winners." Or, the scammers will send fake text messages or phone calls by cloning Chime's number. The victim then proceeds to give the scammers their personal information, such as passwords, card number, etc., only to later discover their account has been wiped clean. Or they will click on a link where scammers can access the victim's account information. This is not a matter of Chime's system being "hacked"; these are members who are willingly giving scammers their security information and then later claiming their account was "hacked." There's a difference between an account being hacked and an account being wiped clean because a member gave someone their private security information. Never ever give anyone your pin number, password, card number, account number, etc., unless you are signing up for direct deposit with a trustworthy site. Chime repeatedly says they will ONLY ask winners for their email address and their social media accounts have a blue check mark next to their logo. Disable your debit card transactions if you don't plan to use your card for a couple of days. Chime offers many ways for members to protect themselves, but you have to put in the effort to educate yourself against fraud and scams. As a Chime member, I was very concerned about my account after reading all of the negative reviews. Come to find out, accounts were not being hacked, but members were actually giving out their personal information in hopes of receiving a $200 prize. As with any bank account, your account is safe as long as you take the proper security measures and don't share personal information with anyone. I don't see how anyone could blame the bank when you clearly gave a complete stranger your login and password. Nobody, and I mean nobody has a right to your pin or password. Please protect yourself!!
Chime Account Hacked.
So last night I got an alert from Chime that some had made a 750.00 purchase on Fashona Nova. What I don’t understand is how they got my CVV number and everything else. Now I should of had my card off but why would chime allow that high of a purchase at once is beyond me. I caught it 5 minutes later and I really need advice. Please help!
No Early Deposits In May
Its now been over 31 days since my last deposit into my Chime account. I have been with them for 3 years. I get paid monthly and because of the advertised early deposit up to 2 days I have always gotten the deposit early. But yesterday I have seen so many complaints about no one receiving Direct Deposits. In fact the Chime bot is also acting up not replying with the correct information in regards to the questions asked. Also this sweepstakes they had the past few weeks ChimeIn has sparked a rise in Scammers. I got 5 messages from different scammers telling me I won a sweepstakes I never entered I am about fed up with this. Not only that no one would answer the phone, and they will not answer any messages on social media. They deleted any posts from members on Facebook asking about deposits. Something fishy is going on with this bank so beware
Data as of Q4 2019
Health Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 35444 |
| Year Established | 2000 |
| Employees | 612 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.22% |
| Return on Equity - YTD | 13.28% |
| Annual Interest Income | $179.6MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2019vs Q4 2018 | $5.66B$4.44B |
| Loans | Q4 2019vs Q4 2018 | $3.11B$2.35B |
| Deposits | Q4 2019vs Q4 2018 | $5.07B$3.95B |
| Equity Capital | Q4 2019vs Q4 2018 | $476.0MM$396.8MM |
| Loan Loss Allowance | Q4 2019vs Q4 2018 | $10.2MM$8.7MM |
| Unbacked Noncurrent Loans | Q4 2019vs Q4 2018 | $13.6MM$30.4MM |
| Real Estate Owned | Q4 2019vs Q4 2018 | $24.5MM$27.2MM |