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Shocked There Are So Many Bad Reviews
I have been a Chime Member since 2019 and I have never had an issue with Chime ever. I get paid early, I have never been charged ATM fees, I have never been charged over-draft fees, I have actually been reimbursed ATM fees when i use ones that do charge. I have helped rebuild my credit with credit builder card so again I am very surprised to see all these bad reviews
Love Chime. But Honestly Service May Be Declining.
I don’t know if they are getting too big to fast etc, but it shows. I have had two issues in the past month and they can. Not help stating everything is “automated” and there is nothing they can do. I remember years ago when I started chime and whenever I needed help someone was always so happy and very helpful.
Now, for example, they told me my mobile deposit is going to take till the 23rd. I deposited on the 7th. So that’s new.
I texted them and told them to cancel the deposit please. Unfortunately I need these funds a little sooner. They said it’s already been approved and it would not be a good idea to just go cash the check.
I think I’m gonna be poor till Monday and see what happens.
The other small issue was. I actually signed up a referral to from my account! The person told the HR girl $200 please from every check. The HR didn’t calculate taxes, and the amount of 198.50 something happened. So clerical error .
But nope, missed out. Nothing we can do because it’s AUTOMATED. Automated and bring online and new technology is fantastic. However when you go cheaper on on service, the human aspect suffers. You do business with a institution that treats you well. I haven’t felt like I have been treated fairly as of late.
Thanks
CHEATS INSIDE
I THINK WHY PEOPLE ARE GETTTING MONEY STOLEN IS BECAUSE ITS PEOPLE IN THE COMPANY THATS DOING IT. THEY HAVE ALL OF OUR INFORMATION AND I HONESLTY THINK THE REASON IS BECAUSE ITS SOMEONE INSIDE THATS DOING THIS!
Don't Trust Chime!
Someone made a fraudulent transaction on my account and stole $1399.99 from my account. Chime denied my dispute, and refuses to return my money in spite of my filing complaints with CFPB, BBB, and my local police department. I am pulling my remaining money out of Chime and preparing to close my account with them, because they are not trustworthy and they allow fraudsters to steal from their customers with impunity.
Do not do business with these clowns.
Data as of Q2 2022
Health Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 35444 |
| Year Established | 2000 |
| Employees | 681 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.84% |
| Return on Equity - YTD | 18.3% |
| Annual Interest Income | $117.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2022vs Q2 2021 | $7.11B$6.56B |
| Loans | Q2 2022vs Q2 2021 | $5.73B$4.67B |
| Deposits | Q2 2022vs Q2 2021 | $5.92B$5.77B |
| Equity Capital | Q2 2022vs Q2 2021 | $721.7MM$635.1MM |
| Loan Loss Allowance | Q2 2022vs Q2 2021 | $19.1MM$15.3MM |
| Unbacked Noncurrent Loans | Q2 2022vs Q2 2021 | $17.4MM$10.5MM |
| Real Estate Owned | Q2 2022vs Q2 2021 | $18.9MM$21.1MM |