I have never had an issue with chime since I signed up with them. My biggest problem with banks was overdraft fees. Chime is very forgiving with going in the negative and even helps you out by spotting you. BoA PNC are not friendly to Their clients. Chime is not only friendly to their clients with this but they actually help protect you from it. I’ve never been more at ease in my life with a bank then Chime. They also pay me early never had any issue with this. I’ve never built up credit in my life Chime is also doing this for their customers with their secure credit builder cards. Every feature that chime has offered I have taken it and I really feel like they are doing it to help me. Chime will truly assist you in being better at managing and saving your money they care!!
I was the victim of fraud last Sunday 12/13. Someone called from the number on the back of my Chime account and was able to get into my account. I called Chime seconds after this happened. Chime has retrieved $100 but I am still waiting on $4300! Yes, $4300. That is the majority of my savings. I have gotten no sleep this last week and I am trying to be patient with them. The money was transferred to a Varo Bank account and I've been trying to tell them to stop the check. They are saying they didn't receive my dispute form and have pushed back the date for me to receive my provisional payment 3 times already. I gave them three stars because of the verdict is favorable I will have mercy but man this has been the worse week of my life and a week away from Christmas! Man, this is bad. Please any advice?
Their customer service is the worst. I called in to find out how to make a change on my account and the man at the other end continuously called me something besides my name. I kept telling him not to because I do not have a joint account or even know anyone by the name he was calling me. I asked him to check his screen and see what my name was and he continuously verified he was looking at my account with the correct name. Then he purposely started incorrectly pronouncing my last name instead after I corrected him. These people have major issues and I am concerned are fraudulently using information on customers especially if they are trying to call people names other then their own.
Don’t do it! Everything was good with my account in the beginning up until yesterday when I got a text saying that my password was changed. I tried to login couldn’t so I had to change my password, when I did all the money in my credit builder was gone! 2000 sent to my spending account then sent as pay friends to someone named Michael Harris????? I have no idea who that is! It’s ridiculous how easy it was for someone to hack my account! Never had this issue with other banks. Figured I give this place a try since it’s digital and they give me my paycheck faster. I was so wrong about that. I don’t know what’s going to happen but this is fraud! I sent in this affidavit of erroneous transfer and they said they would get back to me. This is all the money I had! I’m a single mother with 2 small kids. That was my money from my student loan that I use to just get by!
|FDIC Certificate #||35444|
|Return on Assets - YTD||1.43%|
|Return on Equity - YTD||16.44%|
|Annual Interest Income||$155.8MM|
|Assets and Liabilities|
|Assets||Q3 2020vs Q3 2019||$6.18B$4.95B|
|Loans||Q3 2020vs Q3 2019||$4.42B$2.30B|
|Deposits||Q3 2020vs Q3 2019||$5.50B$4.36B|
|Equity Capital||Q3 2020vs Q3 2019||$551.2MM$475.5MM|
|Loan Loss Allowance||Q3 2020vs Q3 2019||$15.7MM$10.4MM|
|Unbacked Noncurrent Loans||Q3 2020vs Q3 2019||$24.3MM$23.4MM|
|Real Estate Owned||Q3 2020vs Q3 2019||$23.5MM$25.7MM|
Chime is an Internet only bank and does not have branch locations. Its headquarters is located at 409 Silverside Road, Suite 105 - Wilmington, DE 19809