Chime is a scammer and I think it time for them to pay for how they scam they good hard working people who trust them with our money.If I need what I new now I would never put my money into them . Those fucker closed my account and lie to me I had over $7.000 in my account and I have not received it yet but trust believe my God sit hi and it in his hand karma definitely going to hit all involved.It ashamed they keep doing this to us it not fair and they will pay for what they doing.Like I said I think it's time for us all to get together and and whole them bastard accountable for what they are doing. Sign Ygreen
I have an open account there. I added Chime to Apple Wallet. Then I went to add about $300 to the account that way. Apple comes back with a message that Chime is not available for this transaction.
So I can add it to Apple Wallet but it doesn't work with Apple Wallet.
No one to ask about why this is so several nightmare scenarios went through my mind and I crossed Chime off my list.
I got Chime when they first came out. I didn’t really have any issues with it other than their horrible outages that would happen ever so often. I used the account for a few years and then got another account with a regular bank. I recently decided I wanted to use my Chime account again but when I tried to log in, my account was closed! I went back and forth with support only to be told that my account couldn’t be reopened and they couldn’t assist me any further. No explanation. Pissed off is an understatement because it is to my knowledge my account had been be hacked. At one point I was getting a bunch of declined transaction notifications that weren’t mine. I explained this to Chime but they didn’t care! I even called customer service to try to explain my plight only to be hung up on when my baby started crying!!! Like what the heck kind of customer service does this company believe in! Apparently none because I received less than satisfactory service and received no appreciation for even having the account as many years as I did! Consumer beware! Their customer service is outsourced so good luck on understanding one word they speak! I will NEVER recommend this company to any one and suggest getting a real bank. If you can’t get a bank account, use the CashApp to get paid early.
It was pure hell trying to updated my email for a whole week straight and they still failed. Customer service stick together like a mafia, everybody tell lies and send you in circles.. I was told to take a selfie with my name on a sheet of paper with my name on it with today's date. This really impossible but I tried only to be unsuccessful. Wow!! These guy can barely speak English which is already confusing.. I canceled my account, we need our jobs back over here in the U.S.
I sent $700 to Meta pay support to replay my friend a loan so I had issues with mega pay support they cancelled my transaction and they told me they sent my money back to Chime and I dispute the money with support saying from Meta pay so the investor said that wasn’t enough and just closed it out but what funny is the customer service people I spoke with said that you should be getting your own money back so now I just filed a complaint with bbb let’s see now but keep in mind they steel customers money
The longer you are a customer with Chime the later your automatic payroll deposits take to deposit into your account. Originally when I signed up, my deposits were made consistently at 2:16pm; then they started coming in at 2:46pm, then 4:08pm, then 4:16pm and last week it started at 4:53pm. Like most people, I live paycheck to paycheck and the few hours of difference can make a large difference to one person. Last time I called Chime at 4:45pm to ask where my deposit was as my HR department auto sends my paystub info in the same format through the same software at the same time as I'm salary (I have screenshots) but Chime is holding the deposits longer. Maybe it's because the company has grown too fast and does not have the ability to manage as effectively as before, but to treat long term customers worse than new ones is an issue and is going to be why I resume a physical banking location. Not to mention they actively lie to you about processing their deposits as soon as they're received. This is very clearly not the case. While being on hold waiting for a manager to provide my HR screenshots for verification that they were lieing, my deposit magically showed up in my chime account. This is the second pay period in a row that it has happened. I'm going to take my business elsewhere because I truly don't like being lied to about my money that I have earned nor the inconsistency or lack of assistance their customer support has to offer.
Whoever has a problem with Chime isn't doing things on the up and up. I've been with them for years and never had one problem. A five year old could bank with Chime. They do all the work, you just deposit or withdraw money. How can you mess that up? I'm good with Chime
I did a mobile deposit with these scunts and a rep didn't do what he was supposed to do. he told me to cash my check without canceling it and now I owe Payomatic $621. I went to the check cashing place on the 7th to cash my check and this is what they informed me with. So when i called chime and MADE SEVERAL DISPUTES, THEY ACTING LIKE THEY DON'T KNOW WHAT THE FUCK IM TALKIN ABOUT!!!! DO NOT USE CHIME!!!! THEY WILL MAKE YOU GO BROKE AND ACT STUPID LATER
I'm giving chime one star because there was no option for negative Stars.I agree with the person from before who said that it's the bank itself stealing the money I had $1,200 taken I was only banking with them for 6 months I got the card to help build my credit it has actually hurt my credit. My wife got her card the same time I didn't and within 4 months $150 was taken out of her account she had to be given another card with a new number a few weeks after that my account someone kept changing the phone number and it would ask me if I did this I would say no and then fix it finally I called them they helped me change it back and then told me to change my password well I went to change my password and someone has changed my email I can't log in I run to the bank to try to take out all my money and it says my cards pin number isn't correct I call them and they say well if you can't give me the password then you'll have to give me the last charges I give him the last charge they say that's not a reason enough charge because somebody else is using my account so I don't know what they spent on what then they tell me to email chime support I'm on the phone with chime why would I get off the phone to email chime. I emailed them about 36 times and never got a single response I've never gotten my money back and now on my credit report it's showing that there is negative $800 on my credit report for the chime account that had already had $1,200 stolen out of it these people are the worst they are shady they will not give you any help and the fact that they give you the runaround tells me that they're the ones taking the money there's no way they could have accessed all that stuff that fast and that easy unless they were on the inside you can believe all of these fake reviews that are probably people from their company telling you how great they are or you can believe me a real human being who almost lost his apartment because they stole all my money out of my account and refuse to do anything about it I had to take out a payday loan and go into debt to pay my rent and put food on the table whenever I was working 60 hours a week and my company when I called payroll to have it taken off they said that they have had so many complaints about chime accounts that they have stopped accepting them for direct deposit so that should tell you everything you need to know right there.
Being a customer of this company is very uncomfortable, customer service is terrible. I called in for assistance with a transaction dispute. The agent was very rude and aggressive over the phone, so I requested to speak with a supervisor. I had to continue making this request, while the agent informed me that a supervisor had no power over him or the situation. He then informed me that he was writing me up and flagging me in the system as an aggressive person. He said his name was Edward. After a long hold, Edward finally approved my request to be transferred to his supervisor, who silly enough was just as rude and named “Ed.” This eventually lead to “Ed” hanging up on me when I asked to speak to someone not named “Ed or Edward.” This company being online only, puts the risk on the customer and so far has only antagonized an already difficult situation, which is the only reason I needed to call-in from the start. I have referred several people before this experience, never again. I am still waiting on assistance, I was informed it could take 45 days from the day I receive and email; that has not arrived.
Twice now, one a paycheck, one from the state. Followed Chimes instructions, had to write on the check "Only deposit into Chime" then void. Was told the money would be available later that day, 3 days later and there's no record of me depositing said checks. They stole $904.07. Customer service is a joke, had the nerve to tell me I was lieing. I love how brave these cowards are over a phone.
Did anyone ever get their money back?? Same think happen to me yesterday for $509.40 for an airline ticket for aeromexico and it was my rent money. Chime says they cant do anything because it shows pending. I will be evicted today but they dont care!
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 immediately turned off transactions and requested a replacement card. I filed the dispute when it got settled at 9PM my time and they denied the dispute at 3:58AM. How the hell did they conduct this investigation in 6 hours in which was overnight? They said they'd call the merchant which they didn't. I appealed the denied dispute and submitted my work schedule and call log showing I was clearly working that day and that time and they still denied it. I called again and spoke to a Manager and they said they're emailing me the documents of their findings of the investigation as to why they're denying it and then I can appeal again. This is all a load of crap.
This is pretty embarrassing. I even just sent them a surveillance video of me at my work and now I'm going to have to file a Police report but I know damn well they'd still deny it. They help you once, and never again after.
Stay away!!! They're a scam!!
I will never use chime again, been with them for over 2 years. The credit building is a joke. Most recently they returned a direct deposit for my tax refund because it didn’t match my employer deposit. Even after I said yes it wouldn’t it wasn’t from them. The deposit was from the state of Maryland. Their reply was “oh it’s not from your employer” now I have to wait for a paper check.
I stayed in a hotel on July 15 and the following day the hotel returned my deposit. Chime claims that the hotel didn't even though they sent me proof.I called Chime again the next day with the proof and they then say I already have it in my checking account which was not accurate because I took a picture of my starting balance and ending balance .My funds are no where in the account and they refuse to do anything about it.I closed my savings and credit builder and will be closing my checking as soon as my direct deposit hits today.DO NOT BANK WITH CHIME !!
I've been using Chime for about 6 months now. I signed up because a friend was using it, and I wanted to give it a shot. The free-free overdraft was a big reason I was interested.
So far I haven't had any issues with the service, but I did have a situation where my card was stolen and I had to order a new one.
Honestly, I'd have to say my experience with that was 1,000% times better than any brick & mortar bank.
I suspected that I left my card at a gas station, so I jumped in the app and hit the toggle switch to disable the card.
In the meantime while I was looking for my card, I was easily able to toggle the card back on, use it, and toggle it back off. It was seamless and little to no delay.
I was sitting at home and I got an alert that a transaction was decline. It told me when and where the transaction was, so I know now for a fact that my card was in the hands of someone else.
I went into the app and marked the card as stolen and requested a replacement.
Within 5 minutes I had a new number to use virtually with GPay and other online services, so I didn't have to go without access to my money.
Eventually I got my new card, logged into the app and activated it.
With a brick & Mortar bank. I would have to call to ask them to freeze the card, then call to unfreeze. I don't get those convenient controls.
Additionally, you tell your bank your card might have been stolen, the immediately and irrevocably cancel the card. (If you call an hour later because you found your card in the laundry, sucks to be you), wait 7-10 days for your new card in the mail. While waiting your money is completely inaccessible to you, unless you go to the bank and perform a withdrawl, which is only available during banking hours which are never when I actually have a need to pull money.
As of right now, i only use my Chime account as spending money and I don't tie my monthly bills to the account. Everything else I have in my credit union.
I have to give Chime 5-stars because it's just the best banking experience I ever had.
So many people are giving it 1 or 2 stars stating how awful it is, but some of the experiences I see aren't always the banks fault, but are hangups due to external circumstances, that may be the fault of another third party, but Chime is being blamed because it's easy to.
I tried so many times to warn people about chime even through Chines page on Facebook and Nobody listens to me about these SCAMMERS! After they stole 1,600 that was it for me!! My heart goes out to all of you and I’m praying we all are able to file a class action lawsuit against these thieves!! Sooner than SOON!! Keep fight people nothing last forever they will all fall soon!
My experience with them was great at first, my son & I even got the referral fee after calling a couple of times to inquire where it was. Then a couple of weeks ago my card was stolen at a gas station. I called to have it cancelled and new card issued. The rep said he had cancelled it and I asked so no one can make anymore charges on that account correct? I even transferred my balance to my credit builder account first leaving $0.62 in my account., and he guaranteed me it was canceled and if for any reason a charge should appear they would handle it. Yeah the next day a charge showed up for $40.62 for gas that was purchased at the same gas station the card was stolen at. I called they said they would investigate and gave me a temp credit of the $40.62. Since I had $40 available for boost that's what they were able to charge. The denied my dispute request. So i rebuttaled as nd gave them the store info and everything, within probably 20 minutes I received a message stating they were sticking by their decision. THEY DID NO INVESTIGATION THEN TOOK THE &40.62 BACK OUT OF MY ACCOUNT WHILE I WAS OUT OF TOWN,AND COUNTING ON MY BALANCE TO HELP GET ME, AND LEFT ME STRANDED AND I HAD TO SLEEP IN MY CAR FOR 2 DAYS BEFORE FINDING A WAY TO GET HOME. I AM DISABLED AND LIVE ON DIDABILITY. WHAT CHIME DID SHOULD BE CONSIDERED A CRIME. I HAVE CHANGED BANKS AND WILL NEVER USE OR RECOMMEND THEM EVER AGAIN. ABSOLUTELY HORRIBLE BUSIBESS PRACTICE AND TBEY DON'T CARE ABOUT THEIR CUSTOMERS, JUST HOW TO RIP THEM OFF.
This is one of the many emails that I sent to chine and I want to warn everyone about a few things 1st of all everything they are doing is completely illegal to not send them your ss card or anything!
Every one of these people is located in another country they will not tell you where or any information they do not have the ability to Do anything to your account like unsuspended or closed it or anything yet they have access to all of our information what they are doing is trying to steal your identity!
I have been dealing with this for almost 2 weeks now and they are still giving me the run around but I finally located the person to contact because they will lie to you and tell you that you're talking to the correct department this is the letter that I received showing that my complaint was sent.
I highlighted the area where the phone number is call them and they will have you send in a formal complaint this is the only Legitimate department that can do this for you do not trust chime just chime I actually tagged Chris Britt on Twitter calling him a thief Demanding that he helped and he actually blocked me instead of doing anything these are garbage people who don't think that they have to follow any laws because they're International but look up the EBA they do!
I firmly believe that the reason the CEO and all of the other people are making so much money is from stealing from people like us they are not returning the money and it is impossible to Get it back because it's a digital bank therefore we need to get this place shut down contact the IRS the FBI the FDIC and the FTC But most importantly contact this department they handle chime and the lady was very nice That sadly claimed that she deals with complaints for this company on a daily basis so we all need to work together and shut them down permanently!
I repeat do not give them any information they they didn't ask for this stuff in the beginning when I opened it a year ago and it only happened when they tried to freeze my account to my account which they did they Suspended my account for no reason literally within 24 hours after me asking how to shut it down because I had opened another account with a real bank as soon as they heard that I was suspended and they claim that they cannot close an account while it suspended which means they are forcing me to keep an account open which is against International and federal law!
WE NEED TO SHUT THESE THIEVES DOWN! I have seen at least 50 more sites like this with thousands of complaints just like ours imagine all of the money that they're making from stealing!
This is one of about 30 different emails they have responded to me several times without any explanation or Resolution and only responded to me because I've called 60 times at least and on top of that always always make sure that you record every phone call which is how I I'm able to prove all the illegal demands.
Unfortunately as I started writing as I didn't realize that I could not attach a file so I can't attach the letter from The commissioner but I will put the phone number on here so contact them immediately don't wait they will help you!
Office of the State Bank Commissioner
I have been dealing with this for over a week now and complaints have been made you have given me the run around and then I just found out that you are not compliant.
I am in the process of contacting the OCC to file a formal complaint so they can investigate since it does not seem that these employees that are working in different countries are regulated by our laws in the United States.
I expect either an email or a call back immediately informing me that my account is unsuspended so that I can retrieve my money and close my account which is what I've been trying to do for over a week.
It specifically States that a bank cannot keep you from keep you from viewing your account or retrieving your funds which is what you have done this whole time so the FDIC is going to bury you.
I am getting ready to call the FDIC and Federal Reserve who will freeze the entire company until this investigation is done and I am not playing around.
I have a website that shows hundreds and hundreds of people making plants but you're stealing thousands of dollars and that they are still waiting to get it back years later which I intend to get to launch a class action lawsuit against chime.
Fix my account and stop giving me the bogus run around because the IRS is Already investigating.
Get it done!
In April 2020 when the first stimulus went out I wasn’t aware of it. When I heard about it i checked the IRS website and learned it was deposited into an old bank account of mine I hadn’t used in a year or so. I attempted to login to my account and was unable. Therefore I had to go through the identity verification process and once in my account I learned my money had been transferred out of my account into a couple accounts also with chime bank. While talking to chime it was told me prior to getting access to my account that it appeared my account had been accessed by someone else. Well, they helped me file a claim for unauthorized transactions and denied that I would need to close this account for further use would be “safe to use”. Was informed my refund would be deposited within 10 days. After 10 days I called and have been fighting with them ever since. They have denied my requests of unauthorized charges stating due to the persons info on the account that stole my money is only 11 minutes from my home address that it’s not fraud. After about 9 rebuttals, hundreds of hours of phone calls with chime bank, the police here in my town have also reached out several times AND they have issued a subpoena for the people info that stole my money. Chime hasn’t even cooperated with my local police or courts! They denied every rebuttal with different excuses. Then closed my account denying me further access.
I deposited $1,000 FROM MY WELLS FARGO EPPICARD TO MY CHIME AUGUST 2020 CHIME CLOSED MY ACCOUNT BUT KEPT MY MONEY!!!!
They sent me the first cashiers check drawn on BOA THERE IS NO BANK OF AMERICA EITHIN 100 MILES OF ROSWELL NM WALMART WOULD NOT CASH IT CHECK N GO WOULD NOT CASH IT SO IT EXPIRED.
I had to JUMP THROUGH SLL THIER HOOPS TO GET THE SECOND ONE I LOST IT
I NOW HAVE BEEN TRYING FOR 3 MONTHS TO GET MY 3rd CK FROM CHIME!!!
I HAVE SENT A SELFIE OF ME HOLDING MY DRIVERS LICENSE WITH A PIECE OF PAPER W THE LAST 4 OF MY SS# AND THE DATE!!!
MANY TIMES NOW!!! CHIME STILL REFUSES TO SEND MY MONEY!!!
I was LIED TO BY 3 MANAGERS SAYING I WOULD GET IT APRIL 03 2022 TWO YEARS LATER NOW!!!
THEN THEY SAID NO LATER THAN MAY 03, 2022
THEY SAID ITS IN THE MAIL WE ARE SO SORRY ITS ON THE WAY LIARS!!!!!!
IT IS NOW JUNE 06,2022 I STILL HAVE NO CHECK!!!
NO WAY TO CALL THEM THEY HAVE BLOCKED ME.
SUPPORT @CHIME.COM GIVES YOU AUTOBOTS WITH AUTO RESPONSES!!
Now THEY ARE ASKING ME TO UPLOAD A PICTURE OF ME HOLDING MY LICENSE AND ALL THAT BULLSHIT I HAVE ALREADY DONE MORE TGAN TEN TIMES!!!!!
WTF HAPPENED TO MY CK IS IN THE MAIL???
CHIME IS LIARS AND THIEVES!!! THEY DO NOT HAVE YOUR BACK AT ALL!!!!
DO NOT GET CHIME!!! BAD BANKING THEY WILL STEAL YOUR MONEY!!!
I ALSO REPORTED FRAUD $380 IMMEDIATELY THEY DID NOTHING!!! I HAD TGE BACKING OF WESTERN UNION POST OFFICE PAYPAL EBAY POLICE IN 2 DIFFERENT STATES THAT ALL AGREED WITH ME HAD EVIDENCE AND OPENED THIER OWN INVESTIGATIONS
I DID MY OWN AND FOUND HIS NAME ADDRESS CITY STATE PHONE AGE PICTURE OF HIM VIDEO OF HIM TAKIBG MY MONEY ITS A FEDERAL CRIME
BUT CHIME SAID NO FRAUD N REFUSED TO PAY BACK THAT MONEY TOO!!!
DO NOT GET CHIME THEY WILL STEAL YOUR MONEY YOU WONT GET IT BACK
MY GUY HAD $8,000 GO HACKED OFF HIS OVERNIGHT
I HAD $7,000 GET HACKED OFF MINE OVERNIGHT
CHIME REFUSES TO REFUND ANYONE FOR ANYTHING
THEY KEEP YOUR MONEY AND CLOSE YOUR ACCOUNT
$1,000 REFUND SINCE 2020 STILL DO NOT HAVE 2 YEARS LATER!!!!
CHIME SEEMS TOO GOOD TO BE TRUE BECAUSE IT IS A SCAM AND FRAUDULENT!!!
LOOK AT ALL THE BAD REVIEWS AND POOR RATING
YET THEY GIVE THEMSELVES A 5 STAR RATING AND FAKE AUTOBOT REVIEWS ALL FAKE AF!!!!
DISCRIMINATION THEFT FRAUD SCAM LIARS THIEVES HEADACHE RUN RUN RUN DONT LOOK BACK!!!!! DO NOT GET CHIME!!!!!
Iv had several issues with chime .I received my taxs.which it was okay for me to receive more than your daily limit.but when I tried to get my money off there to purchase a car ..they wouldn't let me .then my card was lost / stolen they denied my dispute immediately. With no explanation. I have direct deposit set up.i guess it's my fault for thinking they was legit bank and would not recommend anyone to use chime
My fiance has a chime account until recently we haven't had any problems with it. But about a month or two ago my sister got a hold of my fiance's phone he was asleep and transferred $600 from his account to hers via Facebook pay. We disputed it we had proof where she admitted in her Facebook to somebody else that she took it, they denied our dispute. Sorry I'll start a rebuttal again nothing $600 gone. Then we recently found out last week that the direct deposit information that my fiance gives to his employer is not the routing and account information apparently that goes to the finance company where we get our car through. So he gave them the accounting and the routing number for his direct deposit whereas a normal bank it's the same. As the finance company was trying to receive the money there we had promised to pay it kept coming back as a negative balance and a bounce like a check. Chime says I can't do anything I've been on the phone with them for days directed the here and then transferred there and then directed back here again and then transfer to someone else and on and on it went no one can help . A total of 570 something dollars went to where where did it go ? Does anyone know anything that can help me what do I need to do about this I'm in a bad position my car is in the shop and running the place to rent and we had the money if Chime would just give us our money back. No one can tell me where the money went that bounced like a check , like I had no money when there was. Any help is appreciated. Thank u in advance have a blessed day.
PLEASE DO NOT USE CHIME! Yes the getting paid a few days early is good and everyone loves the spot me feature and no fees but if your money gets hacked don’t expect any help from them. No one there know what they are doing. Everyone will tell you something different. And 9/10 you won’t get your money back. The customer service is disgustingly awful. Worse I’ve had with any company I’ve had to deal with. I had to do my own research on the company for ME to tell THEM what to do. Stay clear from them! I wouldn’t even give them 1/2 star on anything but it says I have to at least give a 1.
WELL I DID NOT RELIZE THE CRAP THAT THESE PEOPLE CAN CAUSE ,, MY MPONEY WAS THERE AND THEN IT WAS GONE . TRANSFER'S TRANSFER'S SO WHAT I HAVE FIGURED OUT ON MY OWN IS THIS,, CHIME HAS PAY A FRIEND , AND ANYONE CAN ACCESS YOUR ACCOUNT.. IT IS NOT SAFE .. I LOST 1500 BUCK IN A MATTER OF A FEW HOURS ,, ,, THEN THEY HAVE ME SEND THEM A PICTUIRE OF MY DL SS AND A NEW PIECE OF MAIL.. NOW WHY DID THEY NOT ASK FOR THAT IN THE BEGINING ,, I JUST NEED MY MONEY BACK
I've been a chime customer for 3-4 years, and I've never had a single issue. On the contrary, I'd recommend it (and have, several times)! Chime doesn't hold money, they release it to you as soon as they receive it, so I always get my money before friends and family, and certainly sooner than my traditional account. There are no fees, but you can use the spot me feature to "borrow" small amounts of money. And it is accepted pretty much everywhere (with a few exclusions). And it's great for those who have had issues getting a traditional account. In my case, I very rarely use my traditional account at all anymore, as I live Chime and it's features. I also like that I can lock my card and the app is so easy to use. HOWEVER... I would STRONGLY urge people to NOT use the Credit Builder feature... I thought it would be great, as I have both a checking and savings with Chime and it is super easy to move money back and forth. And with the Credit Builder, they send another card, and you can move YOUR OWN MONEY into that account as well, and using it supposedly build your credit... in my case, it showed up as a negative account on my credit when I stopped using it, even though there was no negative balance on the card, account, OR even on my credit report!! I'm still dealing with it, and for some unbeknownst reason the credit account was closed due to this imaginary negative balance... sooo... all in all, I still strongly recommend Chime, just DO NOT USE CREDIT BUILDER!!!! P.S.- as a side note, I DID have fraudulent use on my checking account in the past, and they resolved it ASAP and with no issue- and Idk if I'm backed by Stride or Bancorp (they have used both)... sometimes it appears as either or when linked with other accounts, if that matters...
My brother told me about the Chime card on December 23, 2021...I signed up for the card..I got a free $10, great...I signed up for the direct deposit from my social security to Chime in January (one requirement to receive free money was to have dd process done in 45 days)..well it took 60 days for my social security administration process to be done...$$ not renderd..dont be fooled your dd may not get processed in that 45 day term........the funny thing about all this I still told my daughter about Chime and she signed up...I gave 3 stars because Chime did honor $10 free to my card twice and I also was able to get "SpotMe"
So I've used chime for a couple years and appreciated what they offered. Checking and credit builder utilized.
After I switched my direct deposit to the family account my credit limit on my credit builder was lowered with no notification to me. The lowering of my credit score reduced my credit score by 30 points. I had no chance to mitigate this thanks to their failure to follow state law. They want to bind your rights as a consumer by their service agreement and arbitration process...which btw you're supposed to fork over 200.00 to start that they will "reimburse" you for. Yes it's helped more than the 30 points I lost but if they can't follow their own ToS than what good is it all to trust them.
Update: the details of this while situation have gotten more hazy. The original credit report entry on transunion said credit reduced, during the discussion of details with transunion and chime...showed credit balance...when I tried to check as to why the entry was suddenly changed neither party could explain it or as to why a positive standing balance with good payment history would get a positive report entry but reduce my credit score by 35 points. No other entry was present during that time.
Whatever though, they closed my account and said bye bye. I'm closing all other cases into the matter and leaving them behind as well. I bumped the rating to 3 because they actually provided a resolution...but no explanation. Use the checking side all you want but be cautious with the credit builder.
CHOOSE TO USE AT YOUR OWN RISK JUST TELLING MY STORY
So I've been using chime credit builder for 2years and I hadn't experienced a problem until now I was charged 166.56 when I called spoke with a supervisor these ppl really had the nerve to tell me I paid a payment to chime because I used the credit builder card as a credit payment mind u this is my money I put on it how the freak u charge me a payment of 166 for a card I had to put my money on to use I can see if they gave me 100 spending limit in charged me 66 extra because I used free money if I wanted a secure card I would've gotten a secure credit card from my bank not a card that was and is being advertise as a free way to build your credit because you're adding the money you need to spend and can only spend what u add with no extra fees deducted MIND U NEVER IN THE 2 YEARS I BEEN USING THIS CARD HAVE I BEEN CHARGE FOR USING IT
I had $800 stolen out of my account and nothing was refunded! You put your trust in them and thats how they treat you! Im so furious..all they did was reset my password wich the hacker already had obviously..to whole public DONT PUT YOUR HARD EARNED ?? IN CHIME????
So I had $520 taken out of my account that was UNAUTHORIZED I reported it immediately to the FBI chime said they were "investigating" the report was made on Saturday and yesterday (January 31,2022) they already came back with a decision but they take 10 days to "investigate". So I took it further and reported it to the BBB, FTC, AG, and multiple other agencies I will be filing a lawsuit. There is a website if you type in chime lawsuits multiple people have lawsuits against chime. Not to mention I even showed proof and still NOTHING was done. I'm going somewhere else and I've had chime for 2 years. Sad but I have to do what's needed. Hopefully nobody else will deal with this EVER AGAIN!!!!
my wife recently used her CHIME debt card for a hotel and was over charged for 3 different amounts 3 days straight for close to 1,700. she called customer service and had the representative on the phone while she spoke with the desk clerk which said they hadn't charged her card and she even received proof that the hotel had over charged her card. The CHIME representative stated it did show her card had been charged on the dates stated and that her money would be put back on your card in no more than 48hrs when she called back to check the status of the claim first the representative told her that they didn't see the charges on her account and immediately after she said she'd already talked to someone from chime and that she had a printout showing the multiple charges the rep from CHIME told her they can't dispute the charges against the hotel even if it does show they charged her card... I've been a chime card account holder for a little over two years now even last year when they started stealing everyone's money I thought they'd get better but I see now. I'm done
I needed a temporary solution while I worked to get my financial situation sorted. I was using a Money Network Bank prepaid card previously without a hitch but somehow got sucked into Chimes marketing and promises of getting paid two days early and the benefits of the Credit Builder credit card. What a Big mistake this was. It was only a month after getting this account that I started experiencing problems. The biggest and most infuriating issue was when I paid my rent for the first time with my chime card. My rental company accepted the payment and provided confirmation that it was received. The next business day the money was taken out of my account so I thought all good right? Wrong. The following day I recieved an email from my rental company informing me that the payment was reversed due to an error and so I still owed my portion of the rent still. Okay slight panic on my end, but surely I can reach out to Chime customer service and get this squared away, again wrong. I was told by chime that the amount settled correctly on their end and that the merchant must have the funds (i have rented from this company for years and have never had an issue, they are very reasonable and had no reason to be dishonest with me, not to mention i always pay my rent on time if not early). I informed Chime that i would provide emails and photo proof that the payment was reversed on the merchant's end but it was no use. I was told that they would file a dispute if and only if i was denied the service i was paying for, aka if i was kicked out of my apartment for non payment of rent. I was transferred from agent to agent and while it was not their fault, they all repeated the same thing over and over again. I ended up having to pay my January rent twice. This all happened whilst getting sick with covid and being out of work for two weeks. I begged and pleaded for a refund but it was no use. Needless to say i have since opened a trusted bank account because i don't infact like throwing my money in the trash. I advise anyone thinking or currently using Chime to close out your account while you can before something like this happens to you, not to mention as the tax season arrives, the last thing i want to do is lose my tax refund or have it tied up due to an error.
This has been postponed until the chime agent
Hello this is the Chime crew member guess we're going through it for 2022 we need to go so digital still waiting for a New Visa debit card
Thanks for reaching out to Chime Member Service. I hope the pandemic hasn’t been too harsh on you. I also apologize for the delayed response as we recently received a higher than normal volume of emails. I am here for you and I'll definitely check this for you, Melody.
I understand having your money when you expect it is very important. After looking at your Chime Spending Account, I'm pleased to confirm that the following direct deposit has become available for use in your Account.
SSI TREAS 310, XXSUPP SEC
December 24, 2021
In the future, we recommend turning on your notifications as we'll always update you when your deposits arrive. You can also check the status of your deposit on the Spending Account Transactions page.
Your satisfaction means everything to us! If you have additional questions or concerns, feel free to get back to me. I will be more than happy to help you. We are here 24/7 for all our members as you are the most important thing to us. Do not hesitate to let us know if we can assist you with anything else.
You are a gem to Chime! Stay safe and take care.
| Chime Member Services
I have only been a customer for about two months. Customer service is terrible! I have called to get my account unsuspended because I made some international purchases...So I called and verified. 1st level support said they would send an email to the support team that handles suspended accounts. I needed to make some transaction to pay for some items that I wanted to buy. Well, here we are on day two, no response, can't use any banking function, can't use the card and all I hear is crickets. This is definitely not a Teir 1 banking establishment. Stay away and save yourself the trouble of banking with them.
When you have to contact chat 4 times via the app, try responding to their emails, and email their support email and GET ABSOLUTELY NO HELP after 22 hours JUST TO SET UP DIRECT DEPOSIT you know they are a garbage company that doesn't give one whit about you and will NEVER provide help onve you are established as a customer.
If they aren't willing to help you get set up as a customer, and they ARE NOT, they certainly aren't going to give a damg about you later. They aren't waving a red flag. They're beating me over the head with it. Wasn't worth the 50 MB app download.
RUN! RUN! RUN AWAY! AND DON'T LOOK BACK.
I have been with CHIME since 2018 and they are wonderful!!! Anytime I have a question about a transaction or deposit their Customer Service goes above and beyond to answer any questions I may have. My money is always credited the second it hits and the Automatic Savings option is wonderful. People can not find a better bank with better options. I just wish they had joint accounts but I know that they will get there soon. Stop wondering and join!!! You'll be glad you did
Again I’ll write this: chime does not protect the consumer nor their money, and when I wrote negatively about then they took all my money away I don’t know the legal rules so if someone k owe more then I do please give me some guidance to take them to court.
I applied for a chime card because my daughter and others I knew had it. It was an easy and fast way to send and receive money without the ridiculous fees like paypal has. I would deposit money into the account that I put aside in case I need to send some to my daughter and use it as needed. Done this for over a year. One day out of the clear blue sky my account was closed. No warning, no explanation. I contacted chime, they blamed it on Bancorp Bank and said they had no further information. I call Bancorp Bank and the person I spoke to talked over me and yelled at me for asking why my account was closed. I asked politely to speak to a supervisor and they hung up on me. I then again contacted Chime and was told the same crap line that, "After carefully reviewing your account details, Chime's partner bank, The Bancorp Bank, has determined your account is not in compliance with their internal policies and/or the customer agreement provided at account opening." They refused to tell me what was wrong and how I can fix it to get my account back. These people are a freaking joke and a sham. Don't waste your time and effort. I had money on that account (only 75 dollars but still my money) that still 3 years later I never got back. I am only leaving this review now because I once again tried reaching out to them and was again, all these years later, met with the same lie they told before. They steal money by cutting off people's account. Glad I used my regular bank for direct deposit. They would have stole my whole darn pay check if I had got direct deposit with them.
I could not get money transferred into the account because of the name that was on my other bank account. When they returned the money that was deposited from another bank ($3,000). They told me it was out of their hands since it had been returned. This was over 7 business days. I did not get to experience any other features of this bank because it would not accept transfers from my other bank account and after getting $3,000 tied up once I decided to close my account instead of continue to go back and forth with it.
Do not waste your time with Chime. They have horrific customer service (email only, no phone number to call other than an automated system) that is of no help in times of need.
My identity was stolen a few months ago, and fraudulent accounts were opened in my name with Chime, Wells Fargo, and TD bank (that I know of!) and Chime has been the only AWFUL bank to deal with. I was simply asking for the account to be closed, and for me to receive a copy of the statement for my records. A month and 24 emails later, I have yet to get this issue fully resolved. I ended up dropping my request for the statement because I was getting different people pasting the same response to different questions. It was infuriating. Spare yourselves the extra stress and take your business elsewhere.
My wife and I have had chime for 3yrs with no major issues. My wife passed away on Thanksgiving day. 9 days later they close our account without warning because my wife was reported deceased. then they said we were not eligible for a refund of any of our funds. so now it emails back and forth to get any answers. who does that, just takes your money and says nothing. Chime does, just keeping your money knowing there's nothing you can do because it's a certain amount. Unethical and Unmoral, flat-out theft. They know all the stuff ill have to do to get this straight while my money sits in their account somewhere collecting interest. You've been warned!
On 12-3-2021, I received 2 emails from Chime stating that the phone number and email address associated with my account had been updated and if I didnt initiate this change to contact them immediately. I did just that and they emailed me back asking for a pic of my drivers license front and back, the email address and phone number thats associated with the account and picture of me holding up my drivers license with a piece of paper with the date and my name on it. Did exactly that. NOTHING!!!!! My paycheck was direct deposited into my account and now my children and I dont have any lights or water because I set up a payment arrangement to pay and I cant because of it and they act like they dont care. They keep sending me emails telling me to email them from the email address associated with my account but the email thats on there is not mine. I even forwarded them the email they sent telling me my information had been updated and still nothing. They are a bunch of crooks and I am closing my account once I get my money situation squared away
My employer sent me a check for unused vacation time. Net pay= $576.95 what I recieved= $468.89??? I contacted customer service they told me to contact my employer because that is what they were sent. I contacted my employer and they showed me proof of what was sent. I contacted customer service again and have been going back and forth with them for 2 days and all they have done is send me a copy of my bank statement showing me that the $468 as deposited into my account. Like I didn't know what was deposited. I keep asking them where the missing $108 is and no answers. Will be looking for a new bank!
I was having a lot of trouble with a charge labeled Walmart Grocery made at 3:19 am. I know that groceries at Walmart have to be bought in the store in person, and Walmart stores aren't open at 3:19 am, so I appealed. The first appeal found no error, so I filed a rebuttal. The rebuttal told me to prove that I didn't do the transaction. Someone tell me how you don't do anything! There's no record of something not done. I saw that I had to appeal to their holding bank instead. I told them my story and added a screenshot of an official from Walmart stating clearly that Walmart stores would not be open 24 hours during the pandemic. That was the proof that the transaction could not have been made by anybody at all. It was then that my money was refunded. It was resolved in the end, but the lack of logic in the earlier stages of investigation worried me considerably.
If you are a gig economy worker like I am, DO NOT USE THIS BANK. I only get paid with checks most of the time, and I set up all the ACH debits and requirements. I was PROMISED that after November 7 I would have access to mobile check deposit, and I do not have that. I checked on all of this before opening an account and Chime's representatives lied. I closed my other account and opened this one, acting in reliance on the information provided to me by this terrible company. I am immunocompromised, in the middle of a pandemic, and Chime's response to their terrible lies was to tell me to just "go to a store." This bank discriminates against gig economy workers, poor people, and the sick and disabled. And they blatantly LIE to people. If anyone wants to get together and sue these people, let me know, lol.
This was the worst service and scam ever! I trusted Chime with my money and thought that the credit card builder was just like the capital one bank card i have in which your payments become your line of credit once you pay on time. This was horrible they took $327 without telling me, sending an email, and just moved it to the credit builder. Then they kept my money - it was not on my credit line. they took all of my money, leaving me with no money but $1.47. I called and spoke to 4 people just to get a verbatim speaking guy at member services to tell me I cannot get my money back and speak to me as if I was some uneducated dummy. Chime credit builder is a hoax. I have no way now to even get to work thanks Chime. Chime lacks integrity ! DO NOT TRUST THEM!
i have been with chime since april , all was good i was getting my money 2 days early sometimes sooner , well its november of 2021 and all of a sudden they diddnt wanna give me my dissability payment and said the SSA never paid me when my SSA portal says they have paid me and they even did on the phone , whats worse is that i got a new bank account with a local bank and only one part of the account was right , now i have to make a appointment with ssa so i don't get evicted for non payment of rent , beware of this major scammed bank , they took my money and wont even try to give me the money anyway they just keep saying they don't have any idea where my money is , i never touched my bank account with them and they just randmly refuse me my Dead moms money that is all i have in my life as i am mentally impaired , i am going to ssa office and they are gonna know what they did , better get ready for a lawsuit chime cause the Feds gonna come after u guys !
Do Not Use this prepaid card! it stole $1250 of my hard earned money. My son passed away, I buried him with all my savings and had enough left to pay my rent. I did a pay friends and the money was never received. I filed a dispute and they denied the dispute. they have been reported to the BBB and I am going to fight hard to get my $1250 back. this is insane.
They didn't accept any checks that I tried to deposit, it costs money to deposit cash, and before I closed my account I opened a new one to transfer the funds to but "the system" messed up and didn't do it correctly, and now I have to fight them every day to get my $1200 back that they are trying to steal. They are the most unreliable, inconvenient, poor excuse of a "bank". DO NOT trust them with your hard earned money.
I deposited $1000.00 to open account. I couldn’t do a direct deposit so I requested they refund my $1000. back to Chase bank. That was June 8-2021. It is now Sept 20-2021. I call several times a week and still don’t get my money refunded.
I am a 72 living on ss I need my money refunded but what can I do? I am at my wits end. If anyone knows how I can get my money back please help me.
I don't know what is going on with Chime!! It seems like they get later and later with their direct deposits, and they like to blame the employers, the customers, the government, pretty much anyone but them. They do not seem to get the concept that people work hard for their paychecks and they expect their deposits to come in on time EVERY time, not just whenever they get around to it. Get that through your thick skulls! Deposits are to be in ON TIME, PERIOD!!!!! If you can't do that, you guys do not DESERVE to be in business!!
Chime is freaking ridiculas! Don't EVER get Chime! I paid an electric company $225 deposit. The next day the electric co says they cant service my area. I say refund my $225. Nothing so I file a report with chime July 9. Today is Aug 23 and chime has still done nothing.
So I was reading all the good things about CHIME and thought I would try them out. BIG MISTAKE. I had zero issues setting up my account and everything looked great! Well as soon as I set my direct deposit up and also set up to get my card they completely locked me out of my account and took $1000 dollars from my direct deposit. That money was for my bills and food! So while I'm scraping the bottom of the barrel trying to get money for bills to eat, chime is delaying reopening my account. I've sent them my ID and my mail and everything else and they still haven't opened it. I'm screwed until my next check now, then I have to play catch up. AVOID CHIME AT ALL COSTS
unlike what you might think, Chime is just an app. it is not FDIC ins. or regulated. I had account with them but about 2 month ago something went wrong, computer kept going down, Threats from Chime and Stride neither of which is FDIC ins. They even use deposit funds in private business accounts that are not trust or escrow accounts. Bottom line be careful they have many pending investigations and not IF but when they get shut down we will all loose everything with them. I still have not been able to cash my closing funds check because is NSF so just waiting hopefully can get lucky
If you have a CHIME account, just be warned that their once GREAT option of them mailing a check is not working (as of 08/2021).
I requested a check to be mailed on 08/13, it's now 08/18 and the check is STILL not mailed.
I've sent them an email, however, they are telling one thing, but the system tells me another.
This option was working great. I request a check one day, the next day it was in the mail. NICE!
I have ONE company I deal with that accepts checks (or money orders) only. Now, I'm back to getting a money order, then mail it. UGH!
Get this fixed CHIME!
A simple thing of cancelling an order made to a fake business they said to wait 90 days. Told them from the start the merchant didn't exist. On the day the resolution was supposed to be finalized, no responses to texts..live support did nothing and no refund or notification on the date expected. Scammers and liars and thieves. Do not use them please.
Had a fraudulent transaction on my account. I notified Chime and requested a new card. Chime refused to issue a refund. I called and they made me fill out a form and said they would keep my money for at least 10 extra days. The transaction was for a lot of money. If this happens again. I'll be screwed! Most banks will give you an instant refund then investigate, then get back to you in 3-6 months and either take the money you owe, or let you keep it. NOT CHIME! They'll take your money until their investigation is over! Even if it takes months. Only due to complaining was I able to get them to agree to give it back, and even then, I have to wait 2 weeks! NOT OK! I'm closing my account! I already opened a new account with a different bank or replace them! If you want fraud protection do not use CHIME.
This is the worst bank in history because they allow you to block transactions and then you cannot access the app because you change your phone number and it wont allow you to reset it no matter what. You call in to the number and they want you to verify your state ID number when they only asked for my social security number. They refuse to help the customers I called and canceled and they dont even ask why you cancel they dont care. They dont ask because they refuse to help the customers.
BEEN WITH THEM OVER 4 YEARS JUST LIKE ANY OTHER BUSINESS THEY HAVE SITUATIONS THAT MAY BE TECHNICAL THEY HAVE NEVER NOT INFORMED ME ABOUT A GLITCH IN THE SYSTEM THEY LET YOU KNOW 24 HOURS AHEAD OF TIME I LOVE CHIME AND THEY LOVE THEY CUSTOMERS!
IT'S JUST LIKE ANY OTHER BUSINESS THAT HAS TECHNICAL DIFFICULTIES IT'S LIKE ANY OTHER BUSINESS THAT MAY NEED TO UPDATE THEIR SYSTEM BUT FAR AS ALL THESE OTHER BAD THINGS ON HERE ABOUT TIME IT IS VERY HARD FOR ME TO BELIEVE BECAUSE I HAVE BEEN WITH THEM FOR WELL OVER FOUR YEARS AND THEY HAVE TREATED ME WONDERFUL JUST AS WELL AS I HAVE SEEN THEM TREAT OVER A MILLION OTHERS WONDERFUL ????
All this crap you here about Chime and there imperfections is definitely bad news. But people. Please do your research. Chime is not insured the way traditional banks are. Whoops, paycheck to days early!! And then your broke 2 days sooner as well. Anyways, after 6 years with chime I had to leave online banking in general.
So I have doing a mobile deposit of a certain check for months, this month they decided that they couldn't accept the check. Not because the check was not valid but because they just didn't want too this month. So dang ridiculous. I have had my direct deposit delayed due to technical glitches, and had money held for more than a week for an instacart order. Just skip them and use PayPal or another bank like Chase. Oh and they do debits before credits and returned my insurance and car payment on payday.
I went with chime because I was sick and tired of brick and mortar Banks and their overdraft fees. Between Wells Fargo being that wouldn't even put a freeze on my account when I was having really hard time, continuing to let the overdrafts and fees can happen as well as literally charging me an overdraft fee for a debit card transaction on payday, stating that I got overdrafted because the money wasn't there 3 days later when the merchants Bank took it out of their account. That's a big load. Then viridian credit Union who swore that they didn't practice such atrocities, he got pretty bad as well. I was over drafted in the morning before it all went through the process and it was my understanding that I had at least until the end of the day to get the funds in there before it was processed. Well I did yet I got not only that overdraft fee but two other ones that came in that should have been covered when I put the money in before the first one. And then when I was talking to the customer service for Veridian we both noticed that there was an overdraft charge that happened within minutes of the offending purchase. That right there was the last straw so I came to try Chime. At first everything was fine but I will no longer be with chime because they still continue to let charges happen even if there's no money in your account. So instead of stopping that purchase from happening which sometimes that's the only way that you can stop some of those automatic payments from companies coming out, they let the purchase happen and then you still got to pay money. I like credit Karma they're pretty transparent so far and they have not done what chime has done.
Chime is a great all around bank. You will basically never pay a fee - it seems in their DNA to not charge fees. They allow you to overdraft $200 for free, whereas the big banks will charge you for that - gives me good peace of mind. The savings rate is pretty high, and the mobile app is better than anything I thought was possible for banking.
I'd love to see them add investments, or mortgages - so for the customer who wants all of that in one roof, that's one downside.
So Chime's last excuse for delaying my direct deposit was the Federal child tax credits. Wonder what their excuse will be this time. They have made it clear that they DO NOT stand by their "get paid up to 2 days earlier rule" they need to change it to "Get paid the day after your co-workers if you're lucky because at Chime we do what we want when we want with your money and don't our our customers any explanation." I wish I could give you negative stars to make up for all the fake 5 star reviews you did yourself. Pathetic. Like favoriting your own Tik Toks. Petty.
After years of no problems with Chime and my biweekly paycheck arriving on Wednesday nights, suddenly Chime can't get it right! Where's my check? Customer Service doesn't know didly. They say getting my check on Wednesdays is a "courtesy." They can hold it if they want and don't owe me a thing. Also these reviews are fake. Two can play at that game Chime. Silly rabbit.
I've had them for over 2 year's, NEVER had 1 problem, when my credit builder was charged for $ i didn't spend they paid it back later that day, i cancelled the card & within day's i had a new one. The spot me with the boosts on top have been a life saver & i recommend this bank to EVERYONE i know & can & feel this is the best bank ever, period. Not 1 single complaint & will continue to stay with them as long as possible.
I didn't activate my account with Chime until March 2021. I needed to set up an account in the event that I was awarded Social Security (SSI) benefits. After 10 long years of denials, appeals, and refiling claims for my disabilities, I was finally approved for SSI benefits May 26, 2021. I resided in Yakima, Washington at that time in a homeless shelter. On April 1, I left Washington state to volunteer my services at the new Nevada Cares Campus in Reno, Nevada. When I finally arrived there, I was told I was not wanted nor needed. During my time in Reno, I went to the homeless encampments there to help out those people any way I could. On May 24, Social Security paid out the first of three installments, $2382, and deposited it into my Chime account. On that same day, my account was cleared out except for $29 of that money. I then requested a new debit/ATM card from Chime. My account was suspended, and I was told to file a dispute claim over the missing funds of $2365. Then Chime had conducted an investigation over the disputed transactions, and I was also told that I would be given "provisional credit" in the amount of the missing funds. On June 1, I received my first monthly stipend from Social Security, in the amount of $794. I used this money to set up new phone service with T-Mobile, and purchased an Amtrak ticket to leave Reno for good. I returned to Omaha, Nebraska on June 6. When it came close to the time that Chime's "provisional credit" would become available to me, they had inexplicably closed my account, stating that I had violated their transaction rules. I still have yet to figure out just what rule I had violated. About 2 weeks later, I was told that Chime concluded their investigation and were found to be in error, and that the $2365 would be refunded to me in the form of 2 checks. They stated that the checks were mailed in a green envelope on June 25, and to expect the checks to arrive at my new address within 10-14 business days. The 14th business day was July 15, the same day my fiancee came out of quarantine for COVID in Colorado. The checks still hadn't arrived, and on that same day my fiancee came out of quarantine, she became the victim of COVID a third time. Her home was ransacked by her so-called friend and roommate, who made off with all her valuables, as well as her $1400 EIP stimulus debit card, and her Colorado UI debit card, in which she received enhanced benefits due to the pandemic. I contacted Chime immediately and told them the checks still hadn't arrived, and that it was a pretty stupid idea to send that amount of money via the regular mail without any insurance or not sending them via registered or certified mail which would've required a signature. I demanded that those checks be sent by overnight or express delivery via UPS or FedEx. Chime immediately canceled the checks mailed by USPS, and told me the checks would be expedited to me via UPS, and was also told I would be given a tracking number within 3-5 business days. When the 5th business day came, I still was not provided with a tracking number. I tried to send an email to their customer member services, but had not received any reply, not even confirmation that they received the email. So I sent an email to the CEO of Chime, demanding that they send me the tracking number they promised me, that the checks be sent via overnight express, and that I was not going to send them any more verification of my mailing address, as this constant requests of my personal information was putting that information at risk online. They made numerous requests to verify my mailing address by sending them documents. I thought it was quite suspicious that they wanted photos of my documents as opposed to scanned copies from Adobe Scan, but I did comply with their requests up until I composed the email to the CEO. I then began reading various articles about how Chime scammed their customers, even read one review about a lady who wanted to purchase a headstone for her deceased husband. As you probably know, headstones do not come cheap. She told of the problems she had in trying to recover her money from Chime, and that all she got for her efforts was a measly $2! The $2365 was supposed to be used to pay for my upcoming wedding and honeymoon on August 12. The wedding has already been delayed TWICE. Chime has ruined our wedding and honeymoon plans with their stonewalling tactics and schemes to keep me separated from the money that is due to me. I have filed complaints with the Nebraska Attorney General's office and this law firm that claims to specialize in lawsuits against Chime, CPLS. CPLS has refused to take my case, and the state attorney general's office has suggested I file my complaint with the Office of the Currency Comptroller (OCC). I did file a complaint today with the Better Business Bureau. Trying to make alternate arrangements for our wedding and honeymoon has caused enormous undue stress, humiliation, and embarrassment. It has even affected my physical and mental health. It has even taken up much of my time in trying to find permanent housing in Omaha, as I am still homeless, living out of a shelter. I am trying to get back on my feet again after being homeless for over 2 years. This situation that has been created by Chime's incompetence and their mishandling and mismanaging my money certainly has not helped things any. It has made things in my life much worse, and has left me very angry, bitter, and confused. I don't know where to go for help anymore. I certainly cannot afford an attorney on my SSI to go after Chime. Is there no one that can hold Chime to account for all the suffering and misery their greed and incompetence has caused?? I have resigned myself to the possibility that I may never see that money again. They have ruined what should be the happiest time of my life by their insanity. Please do not EVER do business with Chime or any other online bank. My money, and yours, would be best kept in a regular brick-and-mortar bank, with paper statements and a single ATM card to access your money at any time.
Been with them for about 4 year and its the best experience I've have with any bank ever!!!!! Checks always a couple days early never have issues receiving money and when my card was stolen they took immediate action and send me new one the only issue well not even a issue but more like a rant is i wish i could have one at lease one of their giveaways or sweeps by no but unfortunately not but finger crossed thanks chime for everytime yall have done for ppl
I haven’t ever had any problems with chime. They have always been more than helpful. My bank got hacked one time within 48 hrs all my money was back in my account, they really saved me! It doesn’t hurt getting your paycheck 2-3 days early ?? I’ll keep them as my main bank forever! #chimestrong
I opened my chime account well before I started using it for my direct deposit. I made some bad financial decisions a few years ago and couldn't get an account with a brick and mortar bank... Chime to the rescue! I was able to set up direct deposit easily and get my pay. I was so worried that it would take to long and I wouldn't get paid that month and living paycheck to paycheck that meant total financial devastation. Chime saved me and I am so grateful ??
I have had chime almost 10 years and they have never let me down. Why face the hassle of any other bank when chime makes all your banking needs possiable I will never leave chime. Other banks make Mistakes and won’t even write there wrongs but chime they always put the customer first and to me that what family does put each other first thank you chime for the love and support and being apart of my family ????.
I love chime. The enabling/disabling card through the app would have to be my favorite feature EVER!!! Makes it so easy to keep up with your money and transactions. Gives me a sense of security to know I can really track my money and auto payments set up. I’m always recommending chime to everyone I come across. I’m going to be sticking with chime for a LONG TIME??
Switching to Chime has been one of the best moves I have made. There are so many positives! Let's see.. My payroll checks are always on-time, if not earlier. I absolutely love the round-up feature and the FREE overdraft! And the Credit Builder Card is something no one esle has offered which has done wonders for my credit! The mobile check deposite feature is great as well! Sonif you truly want a happy and healthy relationship with your financial institution then take my advice and put some Chime in your life! You won't regret it! ??
Chime just makes EVERYTHING about banking so easy. You can do it ALL on mobile. They offer credit building! Fee free overdraft! They literally have you covered. It's great. I personally had someone hack my card info from out of state. They somehow ordered over $100 of food with door dash. Since I had my transaction notifications turned on, I immediately knew of it. Reported it. Was issued a new card in just a few days and the charge for the transaction was reversed. This was my fault that my info was stolen but they were able to rectify it for me without issue. You can easily get live agents attending to your needs. It's just smooth man. Hassle free. Travel free lol.. I love it. #Chimeforlife
When I turned 18 I discovered that my estranged mother had stolen my identity. My credit was destroyed. I had no idea how the world or credit worked and basically just lived without it, as best I could anyway. I’m 34 now. I opened my Chime Spending account in late 2018. I got the credit builder card in 2020. When I got it, my credit score was around 480 or so. Not good at all. In the time that I’ve had the credit builder card, about 9 months, my credit score has sky rocketed. It’s currently at 734. I applied for, and was approved for, my very first non-secured credit card today. It’s only a $300 limit, but that’s the most valuable $300 anyone has ever given me. I owe this tiny victory to Chime. It’s been a long road to get here, and it feels good. Thank you!
I’ve used chime for the last 3 yrs and I absolutely love them! Paid 2 days early, the spot me feature has helped multiple times…I’ve referred 3 others to join and they can say the same thing!! It’s just a good bank, give it a shot and you won’t be disappointed!! I have never paid a fee for any reason using this bank!!
I have been with chime for multiple years at least over 7 years and this is the best online bank I've ever had I love the spot me I love the no fees I just love how I can send money and receive money for the chime members it is so convenient and fast Chime is just the best.
I personally ABSOLUTELY love Chime.. To be honest its better than any bank I've banked with. They get back with you fast I never have to actually speak with anyone and it helps me through tough times. I can build credit , save money, and utilize my transactions whenever I want. Your missing out if your not a member.
I have been with Chime now for going on 3years. I love that they have the credit builder card, and the spot me limit based on how much income you’re bringing in monthly.
They give me the wiggle room to financially take care of bills and be able to survive through the week.
I have been with chime through two jobs a pandemic and yes issues. Yes every know and then there is a outage or a hiccup but over all I receive my checks has seen my credit report and credit score go up I have saved some money had received help on spot me .I really like chime and it has made recent changes not sure yet on them but it's been about 2 years I have had it still going
Chime is customer driven and although it’s solely online, their level of care is unmatched. I never have any issues with anything!! My deposits are always early sometimes up to 5 days early, but in most cases it’s 2 or 3 days early. If I have an issue with a transaction their chat bot is super helpful and it is really easy to chat with a rep instead of the bot which is greatly appreciated and hard to find with other mobile banks. They have an unbeatable overdraft system set up as well, get this, you can literally send your friends and family a $5 overdraft boost, no other bank offers this. Traditional banks don’t even have such an awesome and customer driven system in place!!
I’ve been with Chime since 2016. Over the years, features have only been added and I couldn’t be more satisfied. Coming from a “big” bank, I was used to fees for anything whether it be an ATM withdrawal or NSF charge… With Chime, these don’t exist! They have a fairly decent network of ATM’s. The only thing I would like to see happen is the ability to make a cash deposit at an ATM with zero cost vs having to go in to a CVS type locations and paying $4.99 to use cash.
I am a recovering addict who couldn't get a traditional bank account.. Chime has been everything I could ask for in a bank. I always get my deposit 2 days or more early, customer service is always easy to get ahold of and the app is AMAZING! I love that I can turn my transactions on and off! I can also easily send my children money when needed. And the free overdraft has really helped me when I needed it... CHIME you ROCK!
They say you must have 3 months of 500$ deposits in order to get the 100$ SpotMe it's a lie I found out that if you don't tip them when you pay off you're SpotMe they'll never raise you're limit I receive SSI every month which is guaranteed income they still say it's not good enough I've been stuck at 40$ SpotMe for 3 or 4 months now I'm not happy
I don’t know what other people are thinking I have now had this bank for three years, and honestly it is the best thing I have ever had, and I have been banking since the mid-80s. This is the only bank then I never get any slack, never has any charges, and the customer service is right on top of things and are doing their job! So anyone that complains about this bank obviously has on personal problems and it really has nothing to do with the bank because you can’t have a better bank. As I said I’ve been banking since the mid-80s and every single bank I’ve ever had I’ve ended up having to change the move somewhere else because of their customer service or charges I didn’t degrees to! There are so many things I could say better than banks but without making myself look like a hater I’ll keep them to myself! But as I said, there is not one single thing I can say bad in regards to this bank! I have never had one single problem, and it’s the only bank I’ve ever had in my life where there’s no fees or snatch side charges, and everything is perfect! I’ve been disabled since January and I have no income, and I have never had any charges late fees or anything and what money I have is all the money I have and they handle it excellent!
I started using chime after I overdrafted my brick and mortar bank account and was charged $250USD for it looking for an alternative banking solution I started using cash app but they aren’t insured and to get deposits of 1,500-2,000 every 2 weeks scared me with no insurance so after about a month I came across a Chime ad scrolling through YouTube and thought they are insured, no overdraft fees, no account maintenance fees No fees at all! This was all about 4 years ago and I’ve never thought about leaving chime. Their customer support isn’t the best but when you actually can talk to someone they get your issues resolved right away. Some people have bad experience with them and others a great experience. For me I have nothing bad to say about them except they could use an upgrade in the customer service aspect and give a heads up when they are doing APP maintenance to where I can’t get on and transfer money or if they can activate their accounts to be able to withdraw from a savings account to where it’s no longer an issue of their app goes down for maintenance
I found a Chime Credit card on a bathroom floor.
I called the # listed on the card to report it and there was literally no way to talk to a CS rep.
I finally found an email and explained how I found the card and since I couldn't talk to anyone was putting in the trash can as I couldn't do anything else with it.
I had to take a picture of the C.C. to include it with the email so they would know who's card and # it belonged to.
This is definitely a NO-TRUST company with my finances.
I could have had a lot of fun with that card if I'd been dishonest.
Two major drawbacks;
(1) the inability to choose the amount of funds I wish to transfer between Debit and Credit Builder
(2) the fact that it can take FIVE BUSINESS DAYS to move money electronically between this "digital" account and my other online accounts.
Decentralized finance must disrupt this archaic practice immediately!
I don't ever do reviews unless I'm extremely unhappy with a service or business but Chime hasn't done me wrong, not once.
There was a small frustration in the beginning when I referred a friend, who set up direct deposit within the first week of the qualifying $200.. but I never received the $75 promo and neither did he. That was OUR fault though, well his lol. Dumb Dumb signed up without using my referral link so in that situation, there was nothing they could do to help.
My paychecks always come 2 days early and they spot me money in emergencies. My spot me limit continues to go up, the longer I'm a customer, as long as I repay the previous spot me amounts. They give monthly boosts of $5 that you can send to friends with chime and they can send them back; which only makes your spot me limit rise even more.
I've been overall, extremely satisfied with chime and their customer service. Thank you!
I’ve had Chime for a little over three years and my spot me is up to 160$ I got negative sometimes when I don’t feel like using my cash on hand ! There are hundreds of atms in every city that I vacation or move to. Their mobile app is easy to use and customer service responds fast I had a issue with mailing my card to my new Denver address and they fixed the issue and gave me a spot me boost and sent my card fedex express ! ! THANKS TEAM CHIME ! Reaching for that 200$ spot me !
I opened my Chime account less than a year ago not long after closing my 23 year BofA account over overdraft fees a manager wouldn't adjust I was charged a day after I made an ATM cash deposit making my balance in the positive. As of now my Chime account hasn't been closed. My earlier deposits were small amounts until my second & third stimulus payments were deposited in late May 2021 only after filing my 2020 tax return. In 2019 I was driving Uber fulltime & like millions became unemployed due to Covid-19. I applied & received PUA/Self employed. My benefits were deposited to the US BANK Reliacard which I understand was the card offered nationwide. I have found that Chime accounts that were closed had one thing in common. UI benefits were deposited. With US Bank & ATM's virtually in every city withdrawing cash has zero fees. Why have UI payments go on Chime where zero fee withdrawals are not as accessible. Perhaps that's why algorithms targeted those UI as possible fraud. When you consider Chime as having over 12 million customers, the total of just under 1000 complaints & not all of it are for closed accounts amounts to less than 1% of all of Chimes customers. Chime has been awesome for me & after some serious research I'll take my chances with leaving what little stimulus money I have left. I feel if Chime is gonna close my account it would've been closed already. My comment is just my opinion & experience thats all.
I had thought it was a good idea. Decided to use direct deposit. I was getting per diem (gas money) from the same company of my direct deposit. They have an option where you can upload a check. Most of everybody I know their check goes on there within the next business day. They had mine on hold for 3 weeks. Well I had called customer service three times in one day because they said that they would release my check after the second check I put in or deposited or took a picture of. So I have one check already on hold for 3 weeks the second check that they lied to me and said would automatically go through was on hold for another 3 weeks after the 3 weeks from the first check. Mind you already have direct deposit from the same company over $600 every week for the first 3 weeks before I decided to upload my per diem check. They gave me the runaround they lied they kept lying and they said that this happens a lot but the first customer service spoke to a supervisor said that once I upload my second check my per diem check that they would release all the funds they lied it's a bunch of b******t I'm definitely going to end up with a regular bank because they lie and a lot of times you can't understand the people on the phone so this is my rating I'll give them a one star.
Chime "Bank" is absolutely the most horrendous financial institution out there. First of all, they outsource ALL of their Customer "Service" agents to some 3rd World country to save a few bucks, and you can barely understand anyone. I submitted a fraud claim regarding 63 transactions that occurred in The U.K. (I live in The U.S.A.), almost $850 in fraudulent transactions, they said a provisional credit would be applied within 10 business days if the claim wasn't finalized by then.
They never did.
I had to call them back to figure out what the hell was going on, they "escalated" the claim and told me to wait another 3 business days to get the provisional credit, meaning someone LITERALLY wasn't doing their job. 3 business days later, they denied my claim and said it was closed, however the individual transactions say "Still working on it" with a Closed claim status via the Chime App. Oh, also, they want you, the customer, to print out and fill out by hand all the transactions and charges being disputed/submitted as fraudulent. What the hell year are we in, 1993?
I tried to get a hold of the claims dept, and got transferred about 3 times until I finally got a Customer Service "Manager," she was EXTREMELY rude and kept talking over me and cutting me off, never gave me an answer to my question of "If the provisional credit was supposed to be issued within 10 business days, then why was it never issued?" I even asked her to put me on hold and go talk to someone in the claims dept, because apparently they literally don't have phones in that dept (at least, that's what she told me) and no communication is available via telephone between customer or employees to the claims dept.
What an absolute joke of a "bank," STAY AWAY! I'm filing a police report and possibly contacting a local news station to shed some light on these scamming pieces of s**t
Let me start off by saying chime at first seems like it’s a good bank but trust me they are he opposite of good! They will steal your money!! BEWARE!! They locked my account due to “suspicious activity “ so I called customer service and they told me to send them prof of identification! Like shouldn’t u have asked for that before I opened an account and linked my
Direct deposit with you a$$hole$!! After looking up
The reviews for chime and reading all the negative reviews and seeing the exact same thing happen to so many people! Omg it scared the crap out of me! If someone can help me to point me in the right direction on who I should talk to about getting help with a lawyer....
They will send u an email that says this “ We’re sorry to share the news that your Chime Credit Builder Visa®? Credit Card Account has been placed on hold for the following reason(s):
There has been unusual activity on your account. If you’d like to get in touch with Chime Member Services about this decision, please contact Member Services at (844) 244-6363 or write to us at the address below.
The Chime Team”
THEN ONE THAT SAYS THIS..:
Thanks for reaching out to Chime Member Services. In order to move forward, please provide the following documentation to verify the deposit(s), or attempted deposits, from the State of Massachusetts.
Your primary government-issued photo ID (such as a Driver’s License or State ID card). Please send a photo of the back of your ID.
W2 form, 1099-MISC, or Paycheck stub from the job you held in the state where the benefit payments were disbursed along with a PUA verification letter if applicable.
For security purposes, please provide a photo of yourself holding your ID card
A photo of a secondary form of ID (such as a Passport or Social Security card) OR proof of Address documentation from the state where the UI benefit was received (ex: utility bill)”
I have read many, many complaints about Chime on the Better Business website, the Consumer Affairs website, and other websites. People need to complain about Chime on the Consumer Financial Protection website. This is the agency that can and will bring a law suit against Chime if there are enough complaints. There is so much fraud going on with Chime, and freeing accounts so they can verify identity, which they should have done in the first place. Chime should be making Suspicious Activity Reports to the proper authorities if they believe fraud is happening. But I doubt they are doing this. I think they are evading fraud investigations totally, just like Wells Fargo did. I am pretty sure Chime is not in compliance with Anti-Money-Laundering laws. In addition to freezing accounts they believe are "suspicious" and refusing to return funds promptly, they are sending out pre-authorized cards to people who never asked for an account with Chime and they are creating fraudulent accounts with either no authentic identity documents required, or they are accepting counterfeit documents.
Chime is no longer allowed to refer to itself as a "bank" in the State of California. It is a payment processor, also known as a "Fintech." That aside, someone opened a fraudulent Chime account in my name linking U.S. Bank and BBVA USA Bank. SInce BBVA is headquartered in Spain, at first glance it looked like someone was trying to create a United States bank account to send funds out of the country (money laundeirng). This account was opened in July, 2019. Someone deposited and withdrew $5,000 into the BVA account. I am on Social Security and I did not find out about this until Social Security conducted an annual review. I immediately reported this issue to the FTC but at the time I did not know it was Chime who opened the account. The Chime account was opened using an address from ten years ago, and an old throwaway email address that I no longer have the pass word to. Also, my first Economic Impact Payment of $1,200 was not directly deposited into my account that I receive S.S. benefits like it was supposed to, and it was sent to that same address of ten years ago.I.R.S. told me they believe someone may have filed a false tax return in my name, but I have no actual confirmation of this. There is no possible way that Chime had any kind of legitimate documents to open this account. Any identification from my old address would have been long ago expired. I have the originals of my birth certificate, Social Security Card, California State ID, California Medi-Cal card, my lease (I have been living at this address before the account was opened in July, 2019), a utility bill to my residence (propane), and I have had these documents in my possession at all times. Either Chime did not require ID or they accepted counterfeit ID. The real problem now is that Social Security considers the five thousand dollars to be an "over payment" which rendered me ineligible for benefits for a time period. Social Security has begun deducting $95 a month effective June, 2021 until I pay back the five thousand dollars deposited and withdrawn into the BBVA account! I did not authorize that account and I did not authorize anyone else to open the account. I have not benefited in any way from that money. I have provided the authentic identifying documents to Chime, but I require a response that acknowledges the account was opened by fraud to prove it is a fraudulent account to Social Security. Judging from what many other people are saying, I doubt they will conduct any "investigation" at all but will simply close the account and notify me the account is closed. This will not prove the account was fraudulently opened. They are deliberately evading an investigation because they are scammers, just like Wells Fargo. I have reported them to every possible regulator and law enforcement agency I can. Recently I made a public post on the Consumer Financial Protection website demanding that they provide a Suspicious Activity Report to the proper authorities so that it WILL be investigated. I have asked for a hearing with Social Security but that could take as many as eight months, and meanwhile they will deduct the $95 a month. This is very hurtful to me. I was trying to save money but used it all up during Covid. People need to complain to the Consumer FInancial Protection agency. They are the agency that can bring legal action against Chime. I agree that Chime should not be operating. Chime is a scam bank.
Yesterday I tried transferring funds from my chime account to my personal bank of america account. I was not able to because I was prompted to activate my chime card. However my card has not arrived yesterday nor today. I called customer service and the issue was not resolved. The options were to link to a 3rd party institution. I tried that with Cash app and it still did not work. The other option was to pull it from my bank, but if I do that I will be charged a fee. Another option that was presented was that I can shop with the temporary card. Which is not what I'm trying to do I'm not trying to shop all I want to do is move my own money from my Chime account to my personal bank account and I can't because my card has not arrived which is no fault of my own. I should not be penalized and be unable to move my own money because the postal system has not delivered my chime card. I should have the option to freely transfer money even if the card has not arrived and once the card arrives I should be able to proceed but in the mean time the card has not arrived and I can not do any transactions which is unfair to me as a new customer. I am extremely dissatisfied and I do not want to recommend Chime to anyone and once I have this matter resolved I would prefer to close my account
I had a motel room left that place and was billed after leaving for another week. So like anyone would do I disputed the charge. Chime then put me in a negative amount owed of 442.49. I had to put that money back because my dispute was found to be no good. So like a good pearson with any amount of credit would do I had norten 360. They told me to dispute the charge again. So I did just that! After having disputed it again chime put 442.49 in my account as a temp amount to cover the charge. So I spent the money because I paid you the negative Ballance. After this dispute is done Im told they find me to be liable. So they instead of reajusting my account with the money I paid when it was negtive they charge me the full amount again. Basic accounting told me this was a mistake. So when I talk with them they just say we are sorry there is nothing we can do about it. Really!
I have had my account with chime for a couple years now and I have have nothing but good things to say about them. Any little question or issue I’ve had had always been taken care of very promptly and customer service is always so knowledgeable and helpful.
Its now over 55 days and still can't get my money from them I'm now contacting the FDIC and filling a formal complaint. I've sent everything they asked for. And they just are playing games I'm not letting them get away with 18,000.00 they have now closed my acct as of yesterday telling me that they won't release my money until I send them proper paperwork all of this when I'm on vacation and my wallet gets stolen. I can't even get on a plane to get home to get more ID. I wouldn't give them any stars if I could and customer service sucks.
I don't know how it happened, but someone opened a Chime account in my name, using my email. Alarmed about identity fraud, I called to investigate. After giving them my personal info, the Chime representative verified that an account was opened that day, but no money was in it. He tried to assure me that just having an account in my name was not a problem, which upset me.
I requested that he close it, thinking someone set it up for illegitimate funds as I had recently had a fraudulent unemployment claim made in my name. I also have a
watch on my credit from the credit bureaus and asked why an account was able to be opened without my verbal verification. After having to go through multiple people, they told me it was closed.
Now, after thinking about it, I wonder if it was just a scam by Chime to boost their profile by opening up accounts in unsuspecting customers' names so that they can claim an increase of "x" number or "x" percentage of accounts to report for investors in the company. Like the Wells-Fargo scandal. They had my email, then my call gave them the info they needed to set up a ghost account.
Either way, they are either lax with security or fraudulent with their accounts. The sound you hear is not a "chime", it's alarm bells!
The stuff they Pull and take your Money should be Illegal in The United States, they should be shut down and not be able to run a Company In The United States. To make it Worse whenever you Call you’re connected to Someone India who doesn’t have a Clue how to even do their Job. I will Never Recommend Anyone to Use Chime….,Go With a PayPal Cash Account and Receive the Debit Card threw PayPal and All of Your Funds will be Protected Unlike 82914 are with Chime. I’ve Lost $1,975 threw Chime. WORST BANK EVER!!!!!!!
They accepted my unemployment deposits 2 weeks ago, they closed my accounts with no warning what so ever. They keep telling me that the final processer has to print a check and they have to send it express mail, but due to covid, well it's taking longer.
It's all bs, they're trying to keep my money, that I very much need! It's not neat as much as some of the ones I've read about but $900 is alot of money to me!
I want in on the lawsuit as well please! Can someone please send me the information? Thanks in advance.
I would love to have this place shut down!
I’ve been with Chime Bank a little under a year and they put a hold on my account for what they said was fraudulent activity. I purchased a car and the car broke down so the dealership refunded my money back to my account this happened in March they put the hold last month well I didn’t keep the original receipt so there were some items they asked me to send them the receipt wasn’t one of the items now that I’ve given them everything they’ve ask for they telling me they need the original receipt I called the dealership and the salesman that sold me the car told me that they shredded that information so now Chime is telling me that they can’t release the hold until I send them the original receipt.So I want in on the Class Action Lawsuit send me information
We need to all find a lawyer that handle this class action lawsuit there is 100’s of us that all have had similar encounters with this so called company. This is like a story you would read in a book. This kind of thing is not suppose to be happening.. they can close our accounts that’s fine but they can’t keep our money… if we all get together we might have a fighting chance to get our money back.
Have you had a legitimate issue with chime? Like a real issue where your money is gone? Do you have hard evidence? Have you been mislead?
I have and I'm not going to sit back. I woke up and $7000 is gone. This is not right. Luckily for us, banking regulations are there.
It's a scary thought to have money taken from you, then not get the customer service that should be available in this event.
I would like to get a group of people together. You email me stuff about what happened, nothing personal, like account numbers or anything. After this is done I want to contact a lawyer that practices class actions.
Once this is done we can work on getting back our money, then money for the serious stress that comes with the sheer fear of never getting our money back.
Luckily America is a nation of laws. Youu may get screwed, but you may seek retribution after
I would like to have people reply to my posting just saying "I". If we get enough people I will create a dedicated email. You then will all send me a specific breakdown of what happened. WITHOUT providing any specifics that Guthrie more put your identity or monies at risk.
Chime will falsely advertise they do not withhold your direct deposits. They will withold direct deposits as long as they possibly can, and falsely accuse the Federal Reserve of being the issue. They will not acknowledge any error on Chimes behalf. They will defamate your employers, your state government, even the Federal Government in order to avoid any sort of accountability.
I loved Chime when I first enrolled with them. That was until they didnt told up their end. The have a promotion that states "if you refer a friend and they
1. Click on your link to sign up.
2. They get a qualify deposit of $200 or more with in the first 45 days of enrollment you both would receive$75 and $10 spot me.
Ok I sent my link to my friend with her sitting right beside me. She clicked my referral link and enrolled. She set up direct deposit and started receiving well over $200 in deposits. About a month had passed and she asked if i ever got my $75 from chime. I had not and neither had she. So I called Chime support and was told "Yes we see here where she did click your link and quality's all you need to donk now is have her call and verify her info ". So she did so and was told "it could take up to 45 days to receive. So about 2 weeks into the 45 days I called chime just to get an update and this is what I was told. "We dont have record of her using your link you need to email chime." So I did so. I was asked to verify information, so I did just to be told there's NOTHING they can do because she didnt use my link. Are you kidding me..? You customer service records every conversation you can clearly see where I have called over the same issue. We did as the deal asked and you dont want to follow through with this deal..? CHIME IS A LIEING CHEATING THIEF wish I could give then -0
Get a real bank, chime won't pay the rent. This bank will hold your money for up to 2 weeks after a holiday. Why ? Federal reserve interest. I used chime for 5 years and yes they are a shit bank. But after 5 years of use and thousands and thousands of dollars monthly going thru it. I never lost money. Does not surprise me though. Chime taught me to read up on and understand where you put your hard earned money. Yes y'all. I'd rather pay a fee to know about my money!
So I have had numerous issues with chime the latest is a mobile deposit. Now this my problem I get a 1400 dollar check from the irs our government should be available quick, I deposited it at 1452 on Friday but since it was after 1400 the full amount of funds wouldn't be available until June 1st, the little auto bot u can speak with says 200 will be available then the next business day the rest well that was false so it being Tuesday and after speaking with 5 different reps start at 7 am my time I've heard so many different answer yes sir the check has been accepted ok should be available soon.......now after the 5 reps lied I get supervisor number 1 at 1723 he tells me it will be available at 1809 so at 1820 I call back ask for supervisor this one says it will be in my account today ok so when today by the end of the day and sorry I can't tell u a specific time. Wtf!!!!... I came to chime because like most Americans I live pay check to pay check and they advertise get your money up to 2 days faster once we have confirmation funds our coming we make it available then why the hell don't I have my money its been approved and it's from our government but you still havent given me a penny and when I asked this 2nd supervisor for her boss she told me know because he will say the same thing. I'm done with chime like I said this was just the latest issue and I can't anymore so please trust a Marine when I tell you to stay far away from. Chime I mean run far away
Out of nowhere Chime is closing my account. I recieved an email that my account would be closing in 5 days so I immediately contacted Chime to find out what was going on and they refused to tell me the exact reason my account would be in violation. I use it for everyday purchases and my tax refund and these jerks are saying this! It's ridiculous but thank goodness I have no money being held with them because they can buzz off and I'll be sure to let everyone know not to use them. They were ok at first but this is totally unacceptable.
The advertisement says, "$200 fee free spot me." To me this means I get the card I have $200 spot me. Oh no that's not how it works. You have to spot a friend to get extra or it increases over time. That's not what the advertisement says. I get to the store thinking I'm covered but to my surprise I'm not so embarrassed. Chime I want my $200 spot me as you advertised! Big shout out to the customer service reps who have to deal with the customers you lie to. They do a fantastic job you should give them all a raise because your company sucks.
My account was closed May 11th and I called to find out why. “Suspicious Activity “ bull. Sent them all the proof they required. And they repetitively kept asking for the same information over and over. After a week I asked them to close the account. Has any one that had this experience received their funds back?
I was banking with chime for 3 years and i was stupid enough not to notice $20 here $20 there well this last time they took everything i had $4000 its not much to most but it was everything to me and my children i tried fighting it calling and talking to costumer service even got hung up on a few time because they didnt want to deal with me or my problem you can plainly see on my statment the moneys there then its not and there was no transactions they refuse to give me my money back if the pandemic wasnt enough!!!!! Do not trust chime with your money!!!!!
Once thought this was the best bank I had ever had. Only bank to not charge me this fee and that fee. I bet you all know what I'm saying which is why your here. From Wells Fargo to Bank of Amercia their all crap! Only interested in making money off your money, that's a bank for ya am am I right? Difference between them and chime...they actually help you when some one steals your money!!!! DO NOT BANK WITH CHIME UNLESS YOU WANT YOUR MONEY GONE!!! After I sent a wire transfer through Facebook and was never received I filed a dispute however I was informed that my dispute did not qualify for immediate money replacement and that I will have to wait up to 90 days to hopefully; hopefully receive the money that was stolen from my account...Only dispute I ever had since I opened an account 2 years ago or better and I'm told should've read the fine print? I received zero assistance but the worst part is...all you connect with is people from India...no physical bank to walk into...Again I stress....THEY WILL STEAL YOUR MONEY!!!! THIS BANK IS CORRUPT!!!! Federally insured my ass!!!!
I recieved confirmation that my school posted a refund to my account. By posted to account I mean as in legit the ACH process WAS completed TODAY and have a deposit date OF tomorrow WHICH happens to be a Saturday. Despite the refund CLEARING the ACH process I WAS informed by agents at chime THAT my deposit WILL NOT post UNTIL MONDAY. They HAVE MY FUNDS. I HAVE the confirmation information TO SHOW this. Yet as its Friday evening, I'm SUPPOSED to recieve my money in the morning (Saturday) BUT CHIME wont give it TO me UNTIL Monday. I May not be a rocket scientist in my day to day profession, BUT it's clear that leaves A TWO DAY GAP OF CHIME POSSESSING MY MONEY AND 'HOLDING' IT. FOR A COMPANY WHO PRIDES THEMSELVES ON NEVER DELAYING OR HOLDING A DEPOSIT IT seems as though that tag line is VERY much a scam as they DO in fact hold deposits... Generally I love chime. This however is really disheartening to find out that their biggest selling point for most of their customers IS also a lie.
I have had Chime for over a year and depositing the same amount from the same Employer for that amount of time. This Wednesday, my paycheck was deposited and for some reason, Chime suspended my account with all of the money I had and said that the deposit was suspicious. It was from my employer.... BANK OF AMERICA. Their response was, please provide identity documents so that they could "review" my account. It's now Friday, the account is still suspended, and what's more, the suspension department can only be contacted... BY EMAIL. There's no direct communication whatsoever with people that lock and unlock accounts!!!! This is absolutely absurd!!! I cannot wait to close this account after I get my money out of it!!!
On April 24, 2021 I noticed fraudulent activity on my Chime credit builder card. On April 22nd my card was used fraudulently 6 times at exactly 6:05pm at Targets in Las Vegas NV totaling $1,142.36. On April 23rd my card was used once at 7:58pm at Target in Henderson NV totaling $192.00. April 24th I noticed this activity and called to dispute these to Chime. I filed the dispute and sent back the dispute form as requested. Chime cancelled the card and stated that they would mail me a new card. On April 24th my card was again used fraudulently at Target 13 times at exactly 8:04pm. I again called chime to dispute these charges and again was told that the card was off and that the disputes department would look into this and that it could take up to 90 days. At this point I spoke to a members services agent who told me that the card had been used at multiple different locations around Southern California at the exact same minute. On April 27th I received and activated my new card and transferred $1.41 into my credit builder account. On May 4th at exactly 5:18pm my old card was used 4 times at Target totaling $824.00 and another dispute was filed with Chime and same steps were taken in changing my passwords etc. On May 5th my old card was again used at Target totaling $66.81. I filed yet another dispute with Chime and this dispute was resolved same day. At this point I had both my old card and my new card deactivated. No purchases should have been able to go through and a new card was being sent to me. On May 10th at exactly 4:55pm just as I was clocking out for lunch at work my first card was charged 11 times at Target totaling $2993.01. I reported this to chime on May 10. On May 11th I called the dispute department to make sure they had received all documentation and additional documentation that I had including screenshots of my location at the time of every single dispute, my target shopping history both in store and online and my clock in from work. All disputes were closed by May 12, 2021 stating that my dispute was denied. I asked for more information on why a dispute was previously denied and was sent an email containing a basic printout of the transactions and the time and station ID of transactions. To me this is not proof at all. Today I received an email that my account would be closed as of June 1, 2021. When I asked the Chime agent the reason he said that it was not listed. I do not want to be held responsible for these fraudulent charges. I have done my due diligence in reporting within a reasonable time. Changing my passwords etc in order to keep my information safe. The only helpful people at this company are in member services.
Go get a bank account please stay far away from these guys. They will fuck with your money and then say whoops. I called Friday inquiring about a mobile deposit. Asked can I cash my boyfriend's us treasury unemployment check if its not in my name. Can he sign it over to me. She said yes. As long as he writes for mobile deposit through chime only he sign and you sign. So I hung up and also looked on their faq about mobile deposit. I trusted them. And did as we were told. 2 days later I'm told it was not accepted. It was not accepted because the check has to have my name on it as well. Yet the agent knew that and told me it was fine. Also thr mobile dposit information says nothing about that. Says they offer mobile deposit and you can cash spouse's check if you have an account with direct deposit. Call them about the check being denied and I'm told we are sorry. We do see she misinformed you and we will let her know the correct policy. But we can't cash the check. So now the check can't be cashed anywhere and has to be sent back for a new one. Went to wells fargo where it's drawn. They said no because its signed already and says for mobile deposit only. Then check cashing and Wal-Mart. So because of them he has to wait another month. If they didnt tell me I can deposit it, it would have been fine. Would have went elsewhere. But instead I trusted chime and now its an issue that they wont resolve. Only a whoops. If you want a good bank, follow me and leave their asses. Ive never in my life seen such poor customer service. I recall waiting in a return to be refunded. I called them and try were same way. They can care less. Not their money. Not their family. Stay away from chime. Read the other comments and reviews. People being hacked. Them not doing good by their customers or providing the best customer experience.
I recently got my unemployment that I have been waiting on for months… 6000 dollars and they decide to put my account on hold and then close it because of some deposit agreement. Well that’s all fine they can close my account but then they say I’m not getting a refund of my money…. I have read a lot of reviews where this has happend to a lot of people… do not use this bank… a brick and mortar bank would never do this… and of course they don’t have a location you can fo to and talk to anyone… they won’t even take my calls when I call them. It says to email chime support… this is all legal for them to because they put it in the small print that they can close your account if they think you are using your account for anything they don’t see fit I am not going to stop until I get my mo why back.
We need to all get together an do something about this to many ppl are taking loses an nothing is done they took my whole tax check of 5000 told me they were sending me a check never got it. Closed my accounts for no reason i had chime for 2 years, i never got a warning call text or anything befor the accounts where closed.
I went though so much with chime they stole so much from me and not once did I get my money back I had about $167 in my credit account and over 5000 in my spending account then next thing I know my account was close I called them no answer did the chat they said we will send you a check in the amount in the account and guess what they sent me $10 am pissed I never cash that I ripped that shit up that’s how mad I was this is sad never again something needs to be done ASAP so many people being robbed for there money but if I rob somebody I go to jail what’s the difference for them.
I'm incarcerated for 7 months these…
I'm incarcerated for 7 months meanwhile Chime banking let $1,000 and something of mine be taken out of my account I send them proof of all the time that I was in jail and they dispute me. And today just because I switch devices in the middle of an emergency they block my card and then when I call them and ask them how long is my car going to be blocked they tell me they don't know because it's automatic and when I asked to speak to a manager they hang up the phone on me this is ridiculous businesses like this should be put out of business immediately!!!
I used to love chime bank until recently these people have stolen $1869.92 from me they changed all my statements and made it look like i owed money even though every time i made a purchase i made sure to eitheri add money to my card or be sure my balance was positive this money came into my chime account and chime immediately stole it and claimed i owed even though they wouldnt explain to me why they did this. i tried to dispute but their comeback was due to their "policy" they cant wont dispute my claim and there was nothing they could do about it meaning they didnt care how or why my money was taken they refused to do anything to help resolve this situation, i have already reported them to the bbb this service needs to be shut down before more innocent people have their money stolen like they did to me. Beware stay far away from chime they make it look good but when you in it for a while they start stealing your money. stick to real banks
CLASS ACTION LAWSUIT HERE WE COME!!!!!! I swear they will pay for everything that they made me go through throughout the month of March and this month now April they closed my account for absolutely no reason they talked about for me to send them photo ID proof of address W-2 form to prove that I am the intended recipient and they still do not want to open my account I have about close to 10,000 in there and don't want to give it back talking about no refund that it is an in compliance with this loads in my account it's not my fault that my stimulus check was 4200 why would you guys say to get our income tax refund direct deposit into chime but then again closed our account after I we get all our money you guys are trying to keep money you guys are misleading and chime will pay for everything and it should be shut down I wish I can give it negative -10 Stars if there's anyone interested in filing a class-action lawsuit please let me know we need to take action let the news know about this as well but don't just do it for yourselves do it for everyone that's what I'm trying to do I'm trying to help everyone out add to sell things that has sentimental value to me just because of chime closing my account this is not right for me or anyone to go through this especially throughout the pandemic!!!!!! I will not rest until I see a judge and see them pay for everything chime here we come!!!!
I was gotten for hundreds my account went in the negitive 694 all in one min 25 to 50 charges 4 diff merchants from honking and chime said no error found forced transactions I’m disputing their decision but it has put me in hardship cuz they said if I had my dd go to credit builder it would not pay the 700 they lied ! Lucky I have one star
DO NOT USE CHIME THEY ARE SCAMMERS !!!
ok so I’ve had chime for over 2years they we’re good , the out of no where I started receiving text messages an emails saying if i was trying change my pin call chime customer service, so i changed all my info so no one would be able to hack my account, then here it is February i file my taxes, my funds were deposited in my account march 1 same day they closed my account with no warning, so i tried calling i get no answer then i was told by the automated system to email chime because my accounts have been closed, mind u i had 151.00 in my credit builder and 4545.00 in my spending acc. I messaged them almost every day about my money starting from march 1, so today i reach out jus for someone to tell me they sent my checks out an the checks where cashed when i never received my checks at all something has be done i see they’ve been taking everyone money an nothing is getting handle.
My account was hacked. I've called in at least 5-7 times. I get different information every time. The people I've spoken with don't seem to know what they're doing. I'm the customer and the victim and yet I'm the one being punished. 90 days to complete an investigation into disputed charges!? As soon as I get refunded, I will be closing my account.
Chime place a hold on my account a few days ago when I received my PPP loan of 10,650.00. I opened a savings account with Capitol one for $ 200.00 dollars, then I tried to pay for a bill that cost 1,119.00 but they would not let me do the transaction, so lastly I just transferred that amount to my Business Cash app,plus an additional $ 200.00 dollars. a few minutes later they place a hold on my account for suspicious activity. I called their customer service number and spoke with a Chime representative, who told me I needed to prove that I owned the account. She said she was very sorry that my account was on hold, I ask what's the next step to remove the hold, she fore I did not receive an email from chime. She said I should be receiving an email with instruction. So, I got the email with documents chime needed to see in order to remove the hold from my Chime Account. They asked for Driver's license/Government I.D, proof of address, and all documents proving that the money is mine and where it came from. So I sent all I had, but that still isn't enough for them. They now want more documents. They also stated that they will send my money back to the bank that send me the money. So now I am unable to pay bills and buy what I need. Chime is not worth the trouble. Please..please ...PLEASE DO NOT Sign UP With Chime.
I've had Chime for a couple years and just this month switched direct deposit over and got a credit builder card. My first deposit landed and 2 days later a transaction occured that I did not authorize. Filed a dispute and after 3 weeks of lies and the run around, the dispute was denied. I demanded a reason, they sent a PDF with a phone number and merchant name (neither I've ever heard of) with them saying my name and email was used to verify i made this $105.83 purchase. I called that number. They never had anything with my name, address, email or card number on file anywhere. So, Chime, where is my money? When I asked they told me to file a dispute about my denied dispute. 45 more days. My money should have been secured, they refused to stop payment while it was pending and refused to give me any merchant info. On a fixed income, $105 is what keeps the electric on. I would never just toss that much money around. I'm disgusted and worried about my next direct deposit because it can't be changed until after next month. No shame, care or concern from this company or the BOTS they use for everything. Wondering who the single human is behind all this
I've been with chime since 2015. It sucks ordering new cards with them. They'll send you one and say wait 5 to 7 business days. But after 10 days no card has shown up they will re-submit you a new one and there goes another 5 to 8 days waiting again. Something got to change!
Not sure why everyone else is having issues with Chime. I've only had two: Paypal has occasionally denied charges linked to my Chime account for no reason (which is more a Paypall problem really), and that one weekend in 2018 when service went down entirely for a whole day (no excusing that).
Otherwise, my direct deposits go in a day early, my last Stimulus check when in a whole weekend early, I don't have to worry about overdrafts, the only fee is if I don't use a network ATM, but those are common in my area. Can't comment on customer service but that's simply because I've never had a reason to contact them. Recently they even added a secured credit card, allowing me to easily build up credit.
They're not great if you want paper checks, and they expect you to sign up to have your paychecks direct deposited, but they don't hide any of that.
I have had chime since 2013 and now they closed my account. I had a deposit date of 03/17/2021 for the 1400 stimulus. They are not saying what is going on. I just want to know if it bounced or they took my whole funds. Im homeless and that would really help me alot if i just know where my stimulus went.
Had this crap card for over 2 years now.. ABSOLUTE TRASH... Customer Service is worse than a room full of toddlers. A. they are legit unable to do anything logical. B. Forget actually speaking to anyone.. on hold an hour, get hung up on. C. they lost my last bit of patience when they cant even fix notifications for spend/deposit transactions that I have had for well over a year now. Simple fix and all they want is my drivers license, social security card photos. I think not. I gave it the VERY FIRST time and I am not going to keep doing it. D. Half the time the stupid card doesnt work anywhere. Not even the Credit Builder. The app is always jacked up also. I left an actual legit bank for reasons similiar, and I will not be using this crap card again once its at zero/ I transfer what money is left to the bank I used to have as a teenager. Also, their bs on early payday stops after 4 times.. Same payroll, yet they come up with excuses worse than a 2 year old. ZERO respect for customers.. RUDE isnt even nice enough for these jackwagons... Cant fix a simple issue, but can send me alerts for marketing? if you can do that, you can fix ALL notifications that I actually want to see. 1 star ONLY because I have to. Also, they get hopping mad when you can explain their job better than they can. I.E. they cant even read their scripted instructions properly, have a coronary if you tell them they are wrong and show THEM how to use their own computer over the phone.
I opened an account with the sole purpose of collecting rent from a tenant because they use Chime and I figured this would make their life easier. After the first payment came in I set up my bank and attempted to transfer the money. The next day they closed my account without any explanation. When I tried to call they said I wasn't a customer and hung up on me. Further attempts to call just got pushed through the automated system and of course you can never get a live person. Each time it ended with them hanging up on me. I emailed them and received a generic response stating a transaction was attempted that was against their policy. When I requested further information I got no reply. After numerous emails I am still being ignored. I still do not know why the account was closed and I still do not have the money that was in the account. It is clear that Chime does not care about their customers and make it ridiculously difficult to talk to anyone or get and issue resolved. They have a complete disregard for the people they serve. Just wanted to inform you and anyone else I can so others are not put in the same situation.
Also, my tenant paid someone else, they never received the fund, he never received the money back. He had to close his account and open a new one, according to Chime. And now he is missing that money and his last pay check too. Most people need their paychecks for food, rent, utilities, etc.. and they are basically tell him he has to wait. No explanation or answer to how long or any consideration for him and his family. That is the company you rated 4.5 out of 5. Thanks for your time.
I had a savings account into which I deposited $5,000 each month for the 1% interest rate they advertised that dropped to .05% immediately. I asked to put a second name on the account and was told I could not. I asked to put a POD on the account and was told to just put it in my will and have my heir go through probate to get the money. I then closed the account over a month ago. Multiple calls to their overseas call centers where agents barely speak English revealed that my check has still not been mailed to me over a month later. They are not paying interest, of course, while they hold and use my money. STAY AWAY IF YOU VALUE YOUR MONEY!
I'm a victim of Chime on 4/14/20 1,660 was stolen from my account I was given Provisional credit 15 days after the incident occurred only for them the say they found no error and reversed the provisional credit, now my money is set to go into this account even though I closed it!! I'm tired of Chime I wish I never got with this company, ?? it's like a curse and everyone is suffering!! We need help and now, tomorrow I will be contacting the IRS, News stations, and Attorneys! I'm so sorry to hear about everything you all are going through as well, A CLASS ACTION LAWSUIT NEEDS TO TAKE PLACE AND NOW! LET'S GET CHIME SHUT DOWN TOGETHER?I Give chime No stars?
I received an email on March 5th that my account would be closed on March 7th due to a violation of terms about direct deposits. They could not give me further details as all their bots kept telling me there was privacy issues that kept them from giving me details on why. It's weird how that happens only 1 week before the stimulus package goes out and the email closure I received only mentioned savings account not that my credit builder or spending account also closed. My stimulus is due to deposit on 3/17/2021 and I am praying this is not some shady way for them to intercept people's pandemic relief funds. Their short notice of closure has left me in panic trying to get a hold of the irs because the stimulus is being direct deposited and my 2019 taxes were filed before I moved which is why I can't file still. My w-2 forms went to my old address. Screw you chime. Your affecting the lives of 2 struggling parents and 4 special needs toddlers who survive month to month on my direct deposits and the stimulus funds.
Chime closed my account with no explanation. I have money in there and now they get to keep it for free. I have pending ach payments that will bounce and now will have to incur a fee from my creditors due to late payment. How the hell they advertise themselves as consumer friendly and 'we got your back' with a straight face when they just close bank accounts willy-nilly. Why don't you advertise on how you close accounts? I regret ever tipping them for using their spot me services.
I have been with Chime for years and had nothing to complain about until the day I needed a representative to help me with a lost check.
A check I had them send was never received by my landlord and never cashed. I called Chime to place a simple stop payment on my account. The representatives (it took 5 of them) who barely spoke English, instead of placing the simple stop payment, "disputed" the check and I soon received an email stating the dispute was denied and would NOT be getting my rent money back.
I called yet again and spoke to someone else who barely spoke English, who told me what I already knew, that this is a simple stop payment and the money would be placed in my account within 3 days. I then looked in my account after 3 days and discovered that they had placed a stop payment on the proper check, and another check that had absolutely nothing to do with my original lost check. Chime was great UNTIL the day I needed a representative to help, these people are not trained properly to work for a so called "bank" and do not care about the level of service that a Bank employee needs to. I am leaving Chime so this never happens again as unfortunately I can never get back the time and effort I had to go through for a simple bank transaction to be done property. Watch out if your planning on going with them!!
My daughter recommended Chime. We were both to get $75.00 if I opened an account with $200.00 and arranged for direct deposit within 45 days. I arranged for direct deposit the same day I opened the account after arranging a transfer from my credit union. Social Security notified me it would take longer than the 45 days to set up. I notified Chime who did not take the delay on the government timeline into consideration. I transferred the account balance back to my credit union waited 2 days for the time the site posted the transfer would take. I contacted Chime regarding the closure. I never saw the money transferred back into my C U account . I called Chime who claimed the money was returned to them. My C U showed no record of this. Chime claims it waits 14 days when an account is closed and then sends a paper check. This outfit has found a way to hustle and hold onto money and especially with seniors. It fails to disclose upfront that social security may delay direct deposits to make incentives void and that it blocks transfers from leaving its account.
Had chime for a few years, no issues. Heard other peoples horror stories. Was dumb and figured it wouldn't happen to me. When I checked to see if my unemployment had been deposited today couldn't log on to app, said my account was closed. So I check my email, said my direct deposit was in my account at 1:42pm, then I see the email titled, ACCOUNT CLOSED at 2:!3pm. Figured out how to talk to an actual person. Not helpful, gave me zero answers as to why my account was closed. Pretty messed up to take all my money on the 1st of the month. So screwed.
2/29/21 At 1:00 am I got an email that my Chime card was declined because I had international purchasing turned off in my settings. Super thankful I did, because I have no idea who that was trying to use my card. I'm also super glad in this instance I don't have shit because this is scary.
I opened a chime account recently and in the past three days, I have had FIVE fraudulent charges for apple.com. I'm an Android girl and I don't do anything with Apple. Filled out the lengthy form that you could barely read the font on for each charge and we will see what happens. I want a safe banking app. I live alone, no one has access to my phone, computer, or my card. I don't give anything out to anyone. I am shocked!
I have been with Chime over 2 years now, using it as my primary bank account, direct depositing between 4-5k a month. I began to get perterbed when I saw new customers getting $75 spot me coverages while I was sitting at $45 so I reached out to customer support. I was basically told, too bad! I was told it's based on multiple factors, well apparently not if a brand new customer of 5 minutes with no direct deposit history can get the max spot me but a customer such as myself cannot. I have tested this theory btw by having my wife who is unemployed open an account and immediately get a max spot me limit. So I will say this about Chime ZERO customer loyalty!
They make you write “for chime deposit only” on checks and if the system can’t read the check (they never can) then they tell you to retake the picture over a dozen times as if you cannot hear what they are saying. Meanwhile, they can see every picture you take and can see that you are taking clear pictures, they just don’t want to help.
I lost over $2000 due to these issues.
Then they tell you you’re dumb for not understanding them or give you false information saying a person will manually review the check. No one does that.
They closed my account two days after I opened my account because I entered the wrong pin in once. I had 400.00 in the account when it closed. That was 25 days ago. It took me two weeks to get an email back from an actual person. Now there telling me that a subsidiary company are they ones that have to cut the final checks, and when they receive it, it will be expedited to me. I now don't have insurance on my car because the money I allocated for my car insurance chime has conviently kept. Do not be fooled Chime is a criminal organization, and there needs to be a class action law suite.
Any one know of any attorneys that will file a class action suit against chime. I opened a chime account deposited 500.00. In the account the same day and the same day they closed the account and kept my 500.00 then they cut phone contact and then said on 2 occasions that my money was expidited to me and it never came so now they won't respond to me thru email as well. This has to be illegal and how are they getting away with stealing people's hard earned money. Please help
Chime is THE WORST. I thought AMEX Serve was bad.. here's my deal. Never had issues. Been a customer for 2 to 3 years now. Well recently filed my taxes. Put chime as my DD acct. My phone BROKE. I have no money for a new one. So I contacted chime to update the phone number and since the new number was tied to someone else acct they couldn't update my phone number. They asked me to send my ID to prove it's me. I did as asked. Then I asked if they can send the 2 step verification code to the new number and I can verify it's me and I have that number. Of course they couldn't so anything about it. Pretty much saying I was SOL in getting into my OWN ACCT. Wtf Chime...I swear chime needs to be SUED. REPS ARE THE WORST. ONE LAUGHED AND HUNG UP ON ME. The rest couldn't do anything to help me. Smh. ZERO STARS
I had direct deposit on a chime card and at first it was great; then the bull began. I saw the commercial where they said you would get paid upto two days faster. Two days before friday is Wednesday. So why do I get my money on Thursday at 12-8am in the morning? But wait! There's more...I would often go shopping for house hold products and food just to be charged a hidden fee when I would use the chime card. I called to complain about the false advertising they displayed on TV and was charged for that call as well!!! They want you to stay calm while they lie to you and rob you of your money. No thanks Stride Bank, I must make noise. Don't fall for this scam like I did, use Card.com or Current.com or something like that. Do not use chime they are scammers that only care about taking your money and selling tons of wolf tickets.
I have had no problems with my chime. I have had it a year and I love mine! I have a checking, savings and credit builder! I can transfer money instantly, as many times as I want! This is by far my favorite banking experience. I get all deposits early and have never had any issues. I was the first person I know to get the stimulus checks! Both times! Chime is legit, the sh.. ;-D if you have direct deposit, you have the option to enroll in their "SpotMe" program. It will cover up to $100, and then you pay it back. I never qualified for more than $20, but even that came in handy MANY times in the past year. I would highly recommend giving them a try. I'm actually surprised that Chime's rating is so low on here. ??
Chime closed my account without prior notice b/c they said I made to many transactions within a period of time. My child's child support was deposited into the account the day the account was closed.
When Chime closes your account they make it so you can not speak to a live person. A recording comes on and tells you to email customer service. When I did they sent me generic a e- mail. My money was Never returned!
I also informed Bancorp Bank however, they were not helpful either. Stay away from Chime! I wish I could give them 0 stars.
So I've been using chime for over 6 months now. I keep seeing money that I know I havent spent disappear. I try to talk to customer service that's a joke. They cant understand English at all. Well I have brought it to their attention my name needs to be change because I was divorce. I've sent my driver's license, my social security card all with my legal name. They refuse to change my name an now the refused my stimulus check because it had my legal name I carry now. Now my tax return is going too the account an they said they would refuse it too that they can only use my legal name. I have sent them all my identifications to show my current legal name. They refuse too change it. So now I will be screw on my tax return too. I'm leaving this bank an never looking back. Not to mention they say they have 38,000 atm for you too use that dont charge that is a lie. So everytime you use a atm your going to pay 5.00 to 6.00 in fees if you use your chime card.
Chime needs to be sued for poor faith practices. They offer easily hacked services and our money is not safe. Hundreds have had their money stolen using chime. They cannot as an FDIC organization, continually lose people's money and close accounts without being investigated. I want to see a claims report for how many people in this year have filed fraud claims!!!
Violations of the FDIC policies...tons. SUE!!!!!
These people are the biggest ripoff there is in banking. The froze my account because they wanted me to verify where I was getting my funds from. I sent the the letter from the unemployment agency and that still wast good enough. They asked for my ID, front and back, Social security card, a picture of me holding my identification card and my 1099 document. Then they asked for a utility bill which I don't have because I am staying with family. they tell me they want a check stub and a utility bill, and I informed them that I sent you my 1099 and I don't have a utility bill in my name. I tried to call them and received a message that they closed the account and that I would have to send an email if I wanted to speak with someone. I repeat DO NOT HAVE YOUR MONEY SENT TO THESE PEOPLE. I wish I had saw these reviews before having my unemployment money sent to these assholes. Do you know how many people money they have kept? This company is making out like a fat rat, and it seems that there is nothing you can do about it.
been a customer for only 10 days, did a transfer from my bank to Chime and it took a week to get the money credited even though it took them 2 days to take money out. had my unemployment going there, normally i get the money in 2 days, been 4 days and nothing yet. They claim u get the money faster, but its a lie. will withdraw my money and run close Chime forever.
This has been by far the worse banking experience I’ve had!!! Chime and The Bancorp Bank is a total rip off!! They have over 10,000 of mines that they are not wanting to let go of! Yea that much money because I received Pandemic Unemployment payment through them! As if it isn’t hard enough out here with CoVid and school closings!!! I’ve never heard of a bank so invested in you business that they actually hold your money for no apparent reason I’ve sent them all information to verify myself and my money which I shouldn’t have had to do in the first place! And I’m still fighting to get my money back I would not recommend them to my worse enemy!!
I happened upon this site while conducting research on pending charges/hold policies for Chime. I was very surprised to see all the negative reviews. I have used a number of bank services such as Chime, including American Express Serve for 5 years (which I have switched from in favor of Chime). This, by far, has been the best. Is it perfect? No. But as one reviewer stated, be aware of what you signed up for. I have had one security issue of an unauthorized charge and it was handled smoothly, with little effort on my part, and I had my money back within 3 business days. Just that simple. I never have problems with my paychecks being deposited. I never have problems depositing cash (It'd be nice to not have to pay that fee). The handful of times I have had to contact customer service, it has been positive. I really love the extras that they offer me, and having the credit builder card has been awesome.
To all those who have left reviews about theft, and in agreement with a couple of other reviewers, you have to stay on top of your online activities, not just Chime. I also turn my "allow transactions" off until I'm read to use my card, allow it process, then turn it back off for safety's sake.
My negative experiences have been scant to none and things that are full disclosure to people who are signing up for an account (7 days to release/credit funds that have been placed "on hold" but such was the case with Amex Serve too). All in all, until I decide to go back to traditional brick and mortar banks (I do not see that happening any time soon), this is where I will stay. I love the amount of control I have over my own money with Chime.
So i thought they were cool until i wanted my money back for a purchase i made almost a month ago. Not only has Chime sided with the merchant but did not give me provisional credit when that was my last $66.05 until i get paid next Thursday. They are of no help and no use. Oh and if you are stupid enough to think they got your back, they really dont!
Dont get me started on their "customer service department"
THEY ARE ABSOLUTELY HORRIBLE!
I've been using Chime for about 4 years now and haven't had any major issues with them. I love that you can instantly receive and send money from/to friends. I also really enjoy not having to deal with a brick and mortar bank. The only thing I would say out of constructive criticism is that I wish they didn't outsource their customer service. The few times I've had to call in (to replace my card or discuss a dispute claim), the customer service agents usually don't know much about Chime or their job, and I often have a hard enough time knowing what someone is saying on the phone even without the speaker being new to English. Overall, a pretty good service, they've helped me get my money back in the event of Forever 21 trying to scam me out of a refund they promised.
Chime will double charge you! I started keeping screen shots of every notification of every transaction. When I caught them,which was an hour and fifteen minutes of over seas transfers to another individual trying to beat me out of my money with question after question on the phone. They were literally making huffing grunting noises before saying I need you to speak to my supervisor. They still stole my money! They put the money back in my account for 136.63 than told the place I charged to I did not have the funds available but still on the original date of charge took the money from my chime account and deducted from my balance at the time. If I give you four stones to hold for me and tell you to pay Bob two stones and you give Bob two stones and take four from me. You than take two stones back from Bob and give them back to me I am still missing two stones!
Chime is stealing money and getting away with it!!! Chime stole $60 dollars from my account. I had $200 on my account and then I withdrew $160 from the ATM. After I got the $160 I moved the remainder to my Credit Builder which was $27 dollars because of the $160 I also had $3.00 atm fee. So, after the $25 was on my account I went to Walmart to load $140 on to my card and immediately moved the $140 to credit builder which made the balance $160. I spent $83 dollars at Walmart which should have made my balance $77 dollars but instead, it was $16.80 and I was like WTF!!!! So I called Chime for weeks asking about my money and showing them clearly where the money was missing and they agreed on the phone that I was right, but finally after a week of complaining, they emailed my back saying....that is was a glitch in their system!!!! Thats a DAMN LIE!!! My account was never below Zero EVER!!!!! LYING POS!!!!! Here's what they said below!!!
During your account review, I noticed that the balance dropped below $0.0 due to a glitch in our system. This glitch allowed you to make purchases when no money was available on the card (like the SpotMe). However, please note that the SpotMe feature is not currently compatible with the Credit Builder. Before the $140.0 transfer you made to your Credit account, your balance was $-43.57. To corroborate this information, here is the internal record of your account with the transactions that were made when no funds were available to spend in your Credit account:
I recieved a notifaction on my phone about my info being changed I immediately contacted chime and asked why? They didn't know ,so I requested that I wanted to Cease All transactions on my account ,that my email and chime account had been compromised .They we responded ok we can do that.The person that stole my money changed my email address 17 times in 3 days.I had 5,342$ in my account in 3 days I had negative 9$ 2 days later my account closed.And refused to refund my money.
Don't bank with CHIME. I had direct deposit from a Fortune 50 acct deposited weekly and when I wrote a bad review, suddenly, my Bonus and regular direct deposit DID NOT get deposited. I had to call my corporate office who verified that there were no rejections on the routing and acct numbers and the money should be in the account. Chime said it had nothing pending. How? The acct was working fine for 5 straight weeks and suddenly NOTHING. That's only 1 issue. I would NEVER recommend their services. CHIME is GARBAGE!!
When she start building up money and time you need to be proactive with your chime account for security reasons. For one thing I turn all transactions off unless I'm using it then I go into the app and turn it on make the transaction once it goes through immediately then I turn all transactions off again within the app. I also update my password every week the two weeks. I now have the time credit card and so I'm able to pay particular bills and do certain things with my Visa debit card but then I move a great portion of money to my credit card that I don't use except for rare occasions that I need to use a credit card like car rentals and such... You have to be control of your security and your chime account and be on top of it and don't assume things or yes you can have your money stolen...
No one who chooses Chime as their bank has their life together. Let's be honest here. We all chose Chime for multiple reasons; all of which includes the zero fees.
If THAT was the sole reason why you picked it then everything you are complaining about is on you. Yes. The costumer service is pretty awful. I mean, it's not the worst.... But not that much better. Yes. The limit on how much cash you can withdrawal is ridiculous. Over the summer I watched a friend of mine go into tears while trying to get out the money needed to buy a car within 48 hours before it was gone.
But we all knew what we signed up for. I have no problems with forgoing the perks of normal banking. And when I needed Chime the most they delivered. I fell pray to phishing a few weeks back that wiped my account. Going into contacting Chime, I was fully prepared to having to suck that one up as a stupid mistake. Privacy with Chime is pretty much only as good as YOU make it, and I got really lazy about that. Chime came through for without really any issues. It took a total of 10 days. I have another friend that went through a stolen card incident with a "legit" bank before my situation occurred and that person is still in the waiting process.
When I needed Chime the most, Chime was there for me. If you are that worried about if Chime is as good as mainstream banking service then I'd suggest just go with the big bank. I rely on Chime for my needs and they deliver. That's all I need. That metal Chime Credit Building card sure is a nice touch, though. I wanted it for the sturdiness, but the amount of compliments I get is really refreshing.
My bank account was hacked a few weeks ago, they changed my number, and transferred $2450 out of my account. I spent over four hours on the phone being transferred from person to person, all of which barely spoke English, and was hung up on once. I got some of my money back, but not all of it, so I submitted another claim. They sent me an email last night saying my account was being closed, and didn’t give me a chance to transfer my money out. Nobody will speak to me on the phone now because I don’t have an account, and all they reply with when I write is that I will be sent a check with what my balance was within 30 days.
I’m a single mom with a diabetic son, and bills to pay.. and now have no access to my money. I’ve been trying to figure out how to get my sons medications all day. They have the worst customer service I have ever seen.
Chime has had my paycheck for a week now and not issued it. They lied to me on the phone telling me employer hadn't sent it. But I had proof in my hand that they did. I have even talked to my employee in person to verify. Yes my direct deposit was sent to my chime account. Then the guy says he needed to get his supervisor. Then told me that yes they see it the dd on the 8th and told me that it was from ford which is where I work. Told me that I should see it within a few hours it was being processed. That was Tuesday. Its Thursday. And still no check. Now tomorrow will be a 2nd check owed to me. I'm beyond livid.
Beware!!!! I was paid today from work like always but after paying some bills and transferring to my credit builder account I logged on to see all my money was Gone! Someone by the name Chevis Pitts logged into my account transferred all my money back to my spending account then via pay friends sent it all to themselves it took my hours to get the dispute and information over to chime whom were not helpful and said it takes 45 days to complete and I may or may not get my money back! WARNING SIGNS! If you noticed that you’ve been logged out of your account or you go to sign in and have to type in your info again that means someone else has been logging in your account! I reported to the FBI & FTC if this has happened to you please report it as well so all these people can go to prison.
Chime Bank completely ignores their customers and provides ZERO ability to speak with a real person even when money has been stolen from their account. I went to make a purchase Saturday morning and it was declined. I logged into my bank account to find that somebody had hacked into my Chime account, transferred all of my money from my Credit Builder account and Savings account into my Spending Account, and then used the Pay Friends feature to transfer that entire balance out of my bank account, leaving me with NOTHING. I proceeded to call Chime Bank and followed all of the prompts to get to a person, at which point I was told that there as an extended hold time due to call volume and to use the app and the call was disconnected. How is it possible to have a hold time if there isn't even an option to speak to someone? Of course, I went onto the app and reached out and submitted a request.
The irony in the fact that their chatbot tell you "I'm here you you 24/7" and then logs and completely ignores your request is not lost. That is just insulting. That money has now been missing from my account for 58 hours with ABSOLUTELY ZERO CONTACT FROM CHIME. There is no ability within the app to disable the Transfer to Friends feature, which I find ridiculous, especially in light of the fact that there are SO MANY COMPLAINTS online that this actually happens quite often to Chime Bank customers over and over through the exact same method. I've never used that feature before and have no need or desire to and I definitely think that there should be the ability to disable it and also a multiple authentication process required when transferring money out of the app to another person.
Even if someone had hacked my account, if there had been a second authentication required, it could have prevented them from being able to complete that transaction. I NEED MY MONEY BACK ASAP. Chime Bank needs to have human beings available for customers to speak with in cases of fraud at ALL TIMES. No person should have to wait going on 3 days to even get a response. I've got 4 kids to take care of and I'm a single parent, so getting this money back is of the utmost importance.
These clowns are really kicking people when they are down. I am working on getting enough people to qualify for a class action against them and there practices. We need to hold them responsible and the only way to do that is go at them as a force! Seriously though i have a ready been in contact with my state senator as well as financial groups involved in investigating and prosecuting companys that feel they will get away with this. There are hundreds of thousands of people still awaiting payroll deposits from last week, disability, ssi and stimulus. They are holding these funds so they can profit off the interest accrued from the federal reserve. Then they are slandering the companys we work for saying its the companys fault not theres. Well Chime, anyone with common sense knows that is not the case. In my decades of getting direct deposits, i have never experienced this so called problem your blaming on my company of 13 years. Also forward any email or communications Chime sends you stating this is your companys fault and not theres. I talked to the legal team at my company yesterday and they are working on what to do legally. The more of this that happens the easier it will be to pursue this and get Chime front and center of banking regulators. I will update info once i have everything setup for the class action lawsuit. Lets pay these thiefs back for thinking this is ok.
UPDATE 03/08/2021: i opened a new bank account with a real bank and have had ZERO ISSUES like I did with Chime. They always blamed my company for my week delayed deposits! 13 years without delayed deposits and then all of a sudden 2 deposits took over a week to get. Anyways. Get as far away from them as you can and you will experience the downfalls of dealing with shady , scam bank. At one point it was a great bank. Then they got to big for there britches. Only a matter of time before they go out of business. I still think a class action lawsuit is needed. Id like to put them in the position they put me in! Good luck everyone and get a real bank! I forgot how nice it was to have issues handled promptly and having actual people to talk to on the phone and in person. Not to mention i got a fat promo! $600 for opening my account after $5,000 worth of deposits.
So apparently this is a practice that they do because I just read a bunch of other reviews that say the same thing but today I found out that they have close my accounts all three of them and they tell me that I might only potentially get my money back if I tell them with proof what was in it of course my Accounts were paper list when I told him I need to speak to somebody else who can actually tell me they told me there was no way that they could tell me why they close my account and then they refuse to answer me about speaking to someone else I have been raped for my money and now I don’t even know what to do and they don’t they don’t even care
My account was hacked on 01/02/2020 someone got into my account and transferred all my savings into my checkings account then used the pay friend feature to sent themselves my entire disability check i had just received $1350.00 . I spent 7 hours on the phone trying to speak to someone when they finally answered they said it doesn’t look like an unauthorized transaction so there refusing to give me my money back. This was my rent money to keep a roof over my 4 kids and I . I filed a police report contacted the FBI and my attorney general office. Legal action will be taken
Here I am a week later and my money was not transferred from my bank to my chime card. Chime withdrew the money within seconds but has held the money for a week stating it will be available tomorrow, 8 days later. This is Corporate greed at its finest, they draw interest off your money so they hold on to it as long as legally possible. Notice they don’t hold money from one chime card to another but will from a bank. Why transfer funds, because you need funds immediately usually....hold my money so they can make their millions. That money was for baby formula for someone who needed it. I was also told this is the # complaint of Chime users, it will not change because of their greed so DO NOT DO IT. I can’t break chime but I can atleast warn others.
Use this Bank online bank at your own risk but I tell you right now you will be greatly and I mean greatly disappointed. Let me give you an example of some of the shenanigans that they do. First of all they claim that they will pay you your paycheck or you get paid two days early that is a lie. you don't get paid 2 days early what they do is they deposit your paycheck that was received earlier that day and they don't put it in until minutes before midnight so they can technically say you get it two days early. Number two one of the bigger scams that chime is running now is taking advantage of people who get paid on say a Friday and there's a bank holiday on Monday they will literally hold your money put a hold on your direct deposit until the following Tuesday so you have to literally wait almost 5 days to get paid when you should have gotten paid that Friday. I also noticed that every single person I know who has time they all get there paycheck direct deposited around the same time which is minutes before midnight so something fishy is going on here and I'm going to get to the bottom of it I already found the complaint with the New York State banking department and I'm going to file a bigger complaint with the Federal trade commission there needs to be a class action lawsuit for the joker's that's why I say you we need a surge in general's warning on the back of the time card because when you use it you will be severely disappointed it creates a great deal of stress and depression.
DO NOT USE- I only out one star otherwise I couldn't leave a review. Don't waste your time or money with this app. It is too easy for someone to get into your account and they DO NOT investiagte and you will be relyable for the money taken.
My roommate hacked my account while i was in the hospital away from my phone. 5,000 was taken from my account that has not been returned. They did not see any red flags when 100s of dollars was withdrawn from my account daily for 3 weeks. This is not normal behavior from me. I have spent hours on the phone and been transferred multiple times and still have not gotten any money back. No one will help me. I can’t pay my mortgage. Chime has ruined my life.
So chime got me for 7589. I started investagation myself well the despute was for 5000 they emailed me 3 weeks later saying we are canceling ny d
5000 dollar dispute i emailed back i did no such thing. They emailed said they are reopenkng my case do to erra on them ok they give me back 2800 then they took it back sent ne email saying sorry erra on there part once agail well when they stole my monet for the second time welm that made my Account say negative 2800 i was never negative anythkng so now they admitted to everything then week goes vy nothing call they sit me on hold 4 hrs eatcch time to switch me back and fourth i need a number to talk to. Someonenin mr kings office or we file suit i got all the data supporti g my claim
14 days ago I attempted to log into my account on a phone I hadn’t previously used. I was sent the verification code and it was accepted and then I was suspended for suspicious activity. The next day I emailed all documents needed. To this day I haven’t heard a word from chime bank. I’ve sent all documents twice, talked to over 20 people, sent over 20 emails, contacted Bancorp, etc. my account was positive and held literally every dime of money i possessed. This was 5 days before Christmas. My electric was shut off, I had zero presents for my kids on Christmas, my renters insurance was canceled, other transactions denied. Yet my direct deposits are hitting and staying. I’ve gotten emails telling me my statements are ready, that I’ve qualified for a higher spot me balance, etc. but still am locked out of my account, with absolutely no communication from Chime besides to be patient, 24-48 hours, no reason to be suspended... yet 14 days later I’m about to lose my home due to my direct deposits not being able to be touched to pay bills or pay the down payment on a home we intended to buy. No one is helping and this company has ruined my life.
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?
as of this date 115 1 and 2 star ratings to 18 ratings of: 3,4 and 5 star, I think the verdict is CLEAR on Chime, DON'T! IS there one even worse, or close?? ya think folks would learn some hard lessons from here and stay away from banks/or get out now from these "pseudo financial institutions without a reputation and having at least one physical branch, somewhere in the US, with humans, and a local phone number!!
The only thing I dislike about Chime is that they don't have joint accounts yet. Me and my husband both have accounts with Chime and you can only pay each friend $2000 per month. He transfers most of his paycheck to me since I manage the money. Otherwise, they have been good. We've had to file a dispute before and as with all banks you have to wait until the item posts to your account, not in pending status. They have given provisional credit on a dispute we filled because my husband forgot to take the money out of the ATM. He had to do multiple withdrawals because the ATM at 7-11 only allows a certain amount in each transaction. He forgot to grab the cash on the last withdrawal and the machine took the cash back. Chime was helpful throughout the whole process process and completed the dispute in a timely manner. We've never had problems with our direct deposits and if a transaction looks suspicious, they send you a text to confirm if you authorized the transaction. You reply yes or no. If you reply no, they block the transaction.
If I can help one person from going through the nightmare I am going through with this "bank" then it is a success. They closed my account and will not return the money in the account to me.. I have verified my identity and every deposit into the account. I can not get a return email or talk to anyone on the phone. Use Anyone but Chime ( owned by Bancorp and Stride)
So my sister referred me to chime and I was supposed to get $50 and she was supposed to get $50 for the referral . I was due to get my deposit that Friday and chime stretched it out until Sunday so that I would go over the 45-day period to receive my funds. Chime never deposits on the weekend but they deposited my regular funds that Sunday minus the extra 50 . They are always late with my social security deposit. Social security administration sent my deposit to charm last Wednesday and here it is Thursday and I have not received it. My sister and I have the same last name and she also receives social security and they sent her funds over to her bank and she always gets hers 4 days before I do. I'm confused because I thought chime was supposed to send deposits over 2 days early smh. This is the last time I get a direct deposit from them I'm switching banks tomorrow. Pos
Do NOT use chime!! I have been using Chime for over a year with no huge issues until this morning!! I am honestly so furious!!! I received a email last-night 11/24 at 6:51pm advising my Chime acct will be closed 11/25 (never had any issues with my acct, never negative)!!! Part of my payroll for $1000.00 was scheduled to be deposited this morning (11/25) at 8am. My HR said they could reprocess my deposit into my other acct if chime rejected the funds-BUT THEY DIDNT!! Chime accepted the freaking deposit!!! Now I have to wait 30 days for Chime to send me a paper check!! Seriously complete BS. Horrible customer service-it would have been nice to receive SUFFICIENT Notice-so I could have avoided this horrible issue. I depend on my money & especially with covid & now the holidays! HORRIBLE COMPANY!!!
Chime has put a hold on my account for an item from Walmart.com that was cancelled the day of purchase for $236.38. I’ve called Chime and Walmart.com to resolve this issue and did everything they’ve asked me to do and they keep saying I have wait 7 days. The order was Nov. 7th. It cancelled Nov. 7th. The hold transduction has been showing pending since Nov. 13th, six days after my purchase. Today is the 7th day and it is still on hold. Don’t use Chime Bank. You can’t dispute transactions, transfer deposits tal 7-10 to be applied to your account. Nothing happens quickly at Chime. If you don’t want use your money yeah use Chime! They suck!
I feel like people only take to these platforms to complain. So I’d like to offer my experience with chime. I’ve used direct deposit, cash deposit and mobile check deposits and have never experienced a problem with any. I get my direct deposits 3 days sooner than everyone else. My cash deposits are instantly available. My mobile check deposits are available within 6-8 hours after depositing.
Today is the first day I haven’t received my direct deposit on time. But it’s a bank holiday so it’s understandable. Customer service via phone & chat have been friendly and knowledgable. And I love having the Chime bot for quick questions. It would suck having to call & be placed on hold to ask a traditional bank.
I’ve had Chime for 6 months. In that time they gave me a credit builder card which is super helpful. They gave me a Spot me initial fund of $20. Last week because I’ve always paid it back they raised it to $30.
The best part is ZERO fees. Yes the site went down one time for about 10 hours and I was unable to use my debit card but it wasn’t the end of the world.
There are pros & cons to online banking but when you sign up you KNOW there is no brick & mortar location so it sounds like spiteful complaining.
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!!
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.
Chime is a nightmare to use unless you get regular direct deposits from a payroll department or institution.
If you get paid in a variety of ways -- cash, check, money order -- then Chime will make your life miserable and you will waste hours trying to make deposits.
The worst thing about Chime is that it operates in a vacuum and "agents" know nothing. This was the breaking point for me -- that no one knows anything and can’t help. There is zero recourse if something goes wrong or won’t go through.
I tried to mobile deposit a bank check made out to me from a legacy brick-and-mortar bank.
The first time the check was rejected, I was told by the bot and the customer service recordings that, basically, it's a random mystery why checks are declined.
"Unfortunately, it probably doesn't meet our guidelines. For security reason, agents can't discuss the reason….”
Wait. What?? If customer service doesn't know -- then who does? Mr. Chime?
When I finally talked to a live person yesterday, I was told to try again, that the reason was “likely” because the check must be photographed on a black background and I used a wood background. I was assured the check was verified as real and it should be fine.
The check was rejected again, this time coming over with a message “Chime doesn’t accept cashier’s checks, counter checks, teller checks or traveler cheques, Do not attempt to deposit it again.” It would have been awesome if they would have put that on their websites and let their agents and bots know.
The check has to be destroyed now because I already endorsed it as a mobile deposit to Chime. So now I have to return to the legacy bank and get a new check or get cash.
But cash is also pretty much worthless at Chime too. You can only deposit $500 at a time for a $5 fee. I asked about money orders or personal checks, but no one has a definitive answer. There are no supervisors. There is no location. It seems like payroll direct deposit is all they are able to handle -- but they will never come out and say that.
And there is nothing that I can do except open a new account elsewhere and ditch Chime. I am going to write to the CEO, founders and any other person associated with this so-called "bank" so they know what is going on at the customer level.
Chime's valuation keeps going up and VCs keep throwing money at them. The tech media keeps singing their praises.
Perhaps someone should do a little research. Chime is no different that using any random fill-er-up money card handed out with unemployment and tax refunds.
In less than a month, the account stopped external transfer to my broker, ceased to allow me to transfer funds to an external bank from the Chime app, and best of all now is locked from moving funds from Savings to Spending account. If there were a negative star option. The phone reps are terribly uneducated about basic bank terminology such as accrued interest. DO NOT BE FOOLED BY A PRETTY UI, KEEP YOUR FUNDS AWAY FROM THIS GARBAGE OF A SO CALLED BANK.
So I decided to give Chime A try because I saw that their interest rates for savings was better than capital ones right now so ended up moving all my money over to savings and since I am a stay at home house husband my boyfriend deposits a portion of his check into my checking account every two weeks so I have a little spending money well today is Wednesday so waiting to get the very first paycheck to days early like they stated I get an email saying that my boyfriends company is tried to deposit money into my account but chime rejected it and sending it back to my boyfriends employer and on the bottom it states chime only excepts direct deposits if the name on the direct deposit matches the name on the account never heard of that before so therefore I have to wait another week before my boyfriend gets it into his checking account Before it goes into my account so I would not recommend chime at this point moving all my money back to capital one PS nowhere on their website does it state that the name on the account Hass to match the name on the direct deposit
I've not yet been paid two days early at all l it's always the day before just like all other Banks, so therefore if they say they pay two days early I'd love to see that cuz I sure don't believe it!
All my money was stollen from my account because of chime support fraud and they are claiming there is no error. Therefore I won’t be able to get back the $2,499.00 that was randomly Charged to my account To some company called “MCO” while I was On the phone with “chime support”. I called the ?(844) 244-6363? number to ask about A charge I didn’t recognize and was connected with A women who had my name, bank information and all my personal information. So obviously she seemed pretty legitimate. She said my account had been hacked and used TeamViewer to access my phone. Right after I asked what happened to my money she replied “your account has been hacked in Denton Ohio, don’t worry we will get it refunded” then it shows me transferring $1000 to Someone named @Mary-Pierre-2 Leaving me with $5 in my checking and $0.13 in my savings!! They completely drained my account!! Which she then replies saying there is a problem processing the request to refund my money and hung up on me!! I immediately called the EXACT same number back, where i was connected to a completely different person who didn’t seem to know what i was talking about! They then assumed me if i filed a dispute i would get my money back. So i did, at the 10 day mark they send me an email saying “ This letter is to inform you that we have made a final determination regarding the claim referenced above.
Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed.“
I have filed a police report and sent them the case number. I told them i don’t know this women. Somehow no one can tell me who she is or how she got all my money. Even though she clearly has a chime account! I told them if they won’t help me i want to know who she is so I can directly press charges on her. But I can’t get anyone to help. So somehow this bank is connected to A scam and won’t even acknowledge it!!
I get unemployment due to the covid-19 pandemic and I chose chime to bank with well they started suspending my account for no reason and asked me to provide proff of where my money was coming from so I did give them the proof that they wanted even more and they closed my account and kept the money in my savings account! DO NOT CHOSE CHIME TO BANK WITH THEY WILL LIE TO YOU, KEEP YOUR MONEY, AND PRETEND THAT THEY DONT KNOW WHAT IS GOING ON, OH AND THEY WILL BLOCK YOUR NUMBER SO YOU CAN'T GET THROUGH TO THEIR CALL CENTER!
Did a 400.00 dollar upload at Walmart on 8/20/20 noticed money did not post before I got thru shopping. Went back to the money center and they couldn’t help me said the transaction went thru. They told me to call greendot or chime been calling everyday filed a dispute with both companies sent my receipt to both companies with no help greendot said the don’t deal with Chime although the receipt says uploads thru greendot. Chime says the don’t directly deal with greendot because the receipt says uploads thru greendot. Been like a dog chasing it’s tell everyday since. Filed disputes with both companies only to receive no help in the end. One company telling me to call the other. I don’t understand why greendot can’t trace the transaction. This has been a nightmare. And just today someone used my card for 126.65 to shein.com and 34.36 to missyempire.com and never heard of these companies. And yet Chime couldn’t stop the transaction and when I tried to call the companies couldn’t find the numbers. 556.41 lost with no help n my husband had a stroke in June. I’m so over Chime I hate this company just wanted to WARN anybody out there never use this company been dealing with for 2 years and all this happened in weeks of each other and nothing has been done n this is the only time this has ever happened. But if someone can help please comment.
On 9/5/20 I received a text from Chime stating that my phone number & email address had been updated and to call immediately if I didn’t make those changes. I contacted Chime’s customer service department immediately and informed them I did not make those changes to my account as I’ve had the same email address since I’ve been a Chime customer. The representative asked me to email my driver’s license to authenticate my identity. I immediately sent over a copy of my drivers license and later my social security card to ensure they had all the information needed to validate my identity and update my account back to the proper login details. I went on about my day assuming that Chime had my back and would ensure that my account was protected from this weird activity before my money went missing. Later I attempted to request an Uber when I found that my card had been declined. I immediately contacted Chime’s customer service department again and was told that my balance was -$2. Someone hacked my account for over $2300 at Food Lion. I was very angry at that point, not just at the hacker but also Chime because they had all the information necessary to prevent this situation from happening but instead did nothing which had left me with an empty account. Then a Chime represented informed me that they can’t do anything about my dispute until the payment processes which could take days and the dispute even longer. I’d like Chime to get my $2300 dollars back.
Between 8\7\2020 and 8\8\2020, my account was fraudulently used to illegally withdraw a total of $965.50 at two different ATM's, though my physical card was in my possession.
I filed a dispute with Chime, for which they denied without reason on 8\13\2020. On 8\13\2020, I was told I would receive detailed information on the full parameters of the investigation, which would include the specific ATM sites so I can complete the police report filed in Sunnyvale CA on 8\13\2020. Yesterday was the 10 business day deadline given to me by chime bank for me to receive said investigation report. I have yet to receive the report, and when I spoke to Chime, they would not tell me when I will receive the report, all I got was a run around. As a result my police report is on hold, and thus I can't submit new information needed to reconsider my fraud claim.
I tried to log into my account tonight because I have to direct deposits coming from my jobs and it said my accounts were locked. I emailed them and received a generic message that my account has been closed and that I’ll receive my money within 30 days. 30 days.. in the middle of a pandemic?! Jobs aren’t even promised & lord forbid I got let go of my job.. I could potentially have to wait 30 days to get MY money. I’m beyond upset and have filed a complaint with BBB.
Their customer service has stated over and over that they have no contact with the department that handles "these type of situations". They have promised it will be fixed in the next 2-3 workdays for over 2 weeks. They straight stole my paycheck because the amount it was they though it was worth stealing. They have not answered a BBB complaint, or even the State of Delaware office of the state bank commission complaint. They refuse to answer emails or even give me their address to report them for theft. Do yourselves a favor run from them as fast as you can. If you get more than 5k in the account they will try to steal it. They are straight thieves. I have sicked my lawyer on them. It is a scam. Even their support supervisor says "he hates this system and he cannot even get that department to answer his emails and has no other way to contact them" They will steal your money if you let them.
Back in May my account was scammed for 600 by people pretending to be Chime to get my info and scam my account. Well long story short aside from the 600 taken I had 394 still in my accnt which Chime sent me a check for that amount but it was a long daunting process just to get that. Then I started to ask about the 600, they say fill out a claim form blah blah i did and few weeks later they said they found it in my favor and id be receiving the 600 check in the mail, well few days after that email a Chime member emailed me saying i didnt qualify for the credit. So i email back saying no no you guys already said id be getting the money back. Didnt get any response so what i did was emailed Bancorp who they are affiliated with and they took care of it for me. So i just want anyone reading this to know you can email Bancorp and they will resolve it for you. Bancorp helped me get the 394 then helped get my 60p so i encourage you guys to please contact Bancorp through email. I promise they will get your money for you. Chime is just hoping everyone will give up so they can keep your money.
If your thinking of opening an account please read these reviews. I have filed 2 fraud claims and both have been denied. One less than 24 hrs and he second one 2 months later. I call customer service and not only do they barely speak English, but when asked for a supervisor they hang up on you. Once they have your money and something happens such a fraud, they will not return it. I wouldn’t even consider them a legit bank.
On June 28 2020 irs sent my unemployment check to my chime account on July 3rd. The account was suspended and it’s now July 23rd and they haven’t told me anything. I have tweeted the ceo and emailed the support team but still haven’t received an answer. I’m a small business owner on the brink of foreclosure due to covid 19. Anyone with suggestions or answers please contact me. Thank you.
I have my money and deposits going to chime. I reported a charge for $50 and in turn chime has made my money untouchable by me for almost a month now with no resolution in sight. They cancelled my card and said they would send a new one. Well that 7 days turned into 12 days and now they cancelled the replacement card I never received and I have to wait another week for another replacement. My rent and bills are coming due and they are playing games with my account. If you need your money this is not the bank option to choose. My business is suffering and my home is in jeopardy because of this. After one month and two investigations they found the charge was wrong and put the $50 back in my account. I just can't access one cent of my account.
I don't quite know how they got involved in this scam, but Chime has been suspending accounts of people across the country who receive unemployment and then requesting a bunch of different IDs from them. I would guess they've targeted unemployment recipients because they tend to be poorer and poorer people are less likely to have valid government ID's. In my case, I had all the IDs they requested and I have submitted them all. They suddenly suspended my account and didn't give me a reason. Submitted everything they asked for--no response. Spoke to someone on the phone, couldn't get any explanation for the suspension other than a "suspicious deposit" which I repeatedly told her was unemployment. The ONLY deposit I get in this account. What legit bank wouldn't resolve an emergency issue like this within hours? I am told by her she's escalating my case and it will be reviewed 24-48 hours. 48 hours later, no response. Call back again, get the same work around. Oh by the way, they use an Indian call center. They intentionally ignore your emails too, I have sent over 20. I sent an email to them on through my email and got a response from a real person within hours, which shows they are just ignoring contact from my suspended account. Still waiting. Can't pay bills or feed myself. I contacted the NY dept of Finance and I'm hoping they will help me. Ignore the employees they send here to try and discredit the valid complaints of thousands of people who are suffering from their fraud.
I'd had a Chime Checking account for a few months with no issues. But on April 16th, 2020, I received a notification that an Out of Network ATM Withdrawal of $363.50 was posted to my account. I immediately reached out to Chime, as I was sitting at my desk at work, bank card in purse, and had not withdrawn this money. Chime support staff informed me that they could not dispute the charge until it posted. It finally posted to my account on Saturday, April 18th. The bank tacked on an additional $2.50 fee for an out of network ATM. I called Chime support and opened a claim right then, and they cancelled my debit card, issuing me a new card. They informed me there would be a provisional credit added to my account while they investigated the transaction. I asked where the ATM was located that this charge came through, and it was showing the location on the far south side of Chicago, where I have never been before. After trying to explain this to the representative, and asking if they could have someone check the video footage of the ATM, I was assured that "these things happen sometimes" and that it would be cleared up shortly. I received my new debit card in the mail 5 days later and activated it. I also was continuing to receive push notifications on my cell from the Chime app that transactions were being denied from my old card because it was reported lost/stolen. I took screen shots of these notifications and sent them to Chime via email with the claim ID# included to justify my case more so...there was no response. I followed up via phone 7 days after opening the claim to request a status update, and the representative informed me that I should receive the provisional credit no later than April 29th. Today, April 29th, no credit. Instead, I received an email from the bank claiming that they found no evidence of fraudulent activity on my account, and therefore no funds would be returned to me. Confused, and frustrated, I opened a complaint/case with the Better Business Bureau and the Consumer Financial Protection Bureau on April 29th, 2020. I finally received a response from Chime regarding their decision to not honor my case on May 13th, 2020: "Investigation result:
As you mentioned, card was in possession and pin was memorized during the disputed transaction occurred."
What a complete load of nonsense. To this day, I am still $363.50 in the hole, and I have since closed my Chime account. Let this be a testament or the reason to stay away from Chime bank. This happened to me, and I can only speak from my own experience, but do not leave your money in the hands of this bank. You may get your direct deposit a few days earlier than with other banks, but it's a dangerous gamble, as your money is not protected.
I thought chime was great at first, no maintenance, over-withdraw fees, cool card.
Turns out they don't accept direct deposits that are in your business name, only your actual name. I find this a bit disturbing as in why wouldn't they? Money goes out all the time, why not accept all money in? Makes no sense to me.
They also don't do wire transfers! This is problematic.
And if you turn off/cancel your card good luck using any of those funds for weeks, until a new card arrives.
I would suggest using another service that is closer to a real bank.
I was a customer of chime bank. They closed my account with no reason ...then they gave me the run-around just to tell me they was not going to give me back the money that was in my account. They did this during a pandemic and my unemployment checks was going into that account. So technically they have stolen government money. If anybody come up with a solution or a class action please let me know
Access to customer service via phone...good luck!
When you try to fund your account at Chime, wait until you see how long it is for your money to show up. You can literally have money suspended in limbo for week's. If there are any positive reviewers about this Circus institution, they are paid shills.
0 stars but that was not an option.My daughter account has been locked for days 5 days they are asking her to provide ID social security card N proof of her job that qualified her for unemployment in her state where she worked. That information was provided to their non secure email. The only place you could send the information after that they then requested more a picture of her holding her ID social security card passport and paste outs from the job that qualified her for unemployment. They also want a written explanation of her intended purpose for the funds she's getting deposited. That is not their business.She receives unemployment by direct deposit into Chime. We now have Attorney General involved banking commissioner and the FDIC. They have not returned any phone calls or emails and all of her money is in this account. Please remove all your funds from Chime before they lock your account too. She had committed no fraud and has been denied access to any and all of her money for 5 days Doing this P endemic.
The only reason for the one star on this rating is due to the requirement here. There needs to be an option for zero stars.
On 5/28/20 my Chime account got hacked. The perpetrator transferred my money to their own account in several transactions. Then proceeded to use the remainder of any money left to make purchases and cash withdrawals at point-of-sale locations. They changed my phone number and security questions with Chime. When I contacted Chime to report this and to correct my info, I was told I was unable to change my info for 3 business days. They did not offer to suspend my account from any further activity nor to cancel the use of my card number. The fraudster cleaned me out. Chime was completely unsympathetic. The took me through the procedures to file dispute for these transactions. The dispute was denied.I re-filed the dispute. As of yet, no further contact from Chime. No more questions from them. Now I feel no hope to retrieve my money without taking legal action.
Hello, recently I tried again to get a chime account and finally emailed them, finally someone got in contact with me saying it probably has to go thru security to prove identity anyways I provided my identity few days later someone else replies I can't get account it's based on security, so I asked if my info is being used the reply No your info isn't being used best regards, fast forward I try again with a different email address when I tried to use phone number it stopped me said it's invalid or it's basically linked to another account, so I email them again with a screenshot and have not yet heard anything. Which is fishy if you ask me, seems my info is being used already smh.
Love Chime. After reading some reviews I'd like to advise you guys to read up on Chime's newsletters about scams...1) Chime NEVER calls you to ask for info...2) Only talk to Chime verified account & they will NEVER ask you for personal info 3) Make Venmo private, remove FB pay unless you absolutely need it , turn on alerts. I'm so sorry you guys have been scammed but remember YOU are responsible for your safety. GL to you all!
I was victimized in May 2020 and then again for $2000 just the other day 6/9/20 this doesn’t make any sense. Chime denied my dispute. How can we get our money back from this scam of a bank? It’s crazy how scammers can hack our account so easily. I can’t wait 45 days for a rebuttal dispute when the evidence is already proven. How can we find out who the person and the account that the fraud transactions are sent to? I never dealt with anything like this before. It’s nerve reckoning. I went to my local police station twice and they didn’t let me fill out a fraud report. Morgan and Morgan turned my claim away today. I’m just over it. I don’t know what to do. I already contacted the BBB, financial trade commissions and consumer financial. ATP from reading the other terrible reviews I’m at a loss of hope. This is sad on so many levels.
So I sign up for Chime because I'm a frugal individual and don't like spending anymore more money than I have to, on anything. As soon as I sign up they have a HUGE issue with direct deposits and all account are not accessible, WHAT?!? How are you even in the ball game with other FDIC insured banking institutions? Months later because of all this Covid 19 I have my unemployment money put into their account because I like having money in multiple accounts, and don't want to mix things up. They freeze $5k+ for over 10 days(issue still not resolved) because I didn't change my address, having the same unemployment state & address that the money was coming from. What?!? I've been banking with you guys for over a year and a call couldn't have been done? Now my rent and many other schedules payments are going to have fines because they lock my money up without a simple call over an address change. Never banking with these people again! Oh Oh, the Support for chime is only via email!! Hahah, truly a joke man. I called and they told me I had to email someone in order to have access to MY money, pay my bills and you know, live... 10 days!!!! still counting. Aspiration bank all the way!!
I ordered things online using my Chime card. The places I ordered from (ex: Amazon) doesn't charge your account until your items have been shipped. They place a hold on your account until they ship it. Today has been the second time that the money has been returned to my account. I am unable to make purchases online that require a hold. I am unaware of any policy stating after "X" days pending transactions will be canceled and never once was notified prior to expect them to be returned to my account. It's very unfortunate because the things I had purchased were crucial for me to return to work on time. The app also does not show the charges placed back into my account, it does show the new balance. If I didn't have a register it would be hard to keep track and seems a little shady. Has anyone else experienced something like this with Chime? Luckily I have a primary checking account, Chime was just a back-up.
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!
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
I am usually pretty keen on scams, but I have now become a victim. Someone with the chime logo and everything got my info and in minutes my money was gone I have submitted documents of the communication, and hopefully this will get resolved and if it's happening this much to their customers why not put an extra security step in place I mean they sent me a verification to my phone just like Chime would do. These are already dire times and nobody is working this is awful. I don't want to have to get an attorney involved but I will.
I have had my Chime account for about 9 months and literally the only good thing I can say about it is they don't have overdraft fees. The customer service absolutely sucks! SUCKS!! SUCKS!! SUCKS!! I have had two instances now where I've needed to contact customer service and they are absolutely USELESS!!
I filed a dispute for a transaction using the chat feature and it gave me a message saying it would get back to me in a few days. I didn't alledge fraud, I just indicated that it was not an authorized transaction. I received no notification from chime ..nobody called me no email was sent. When I checked the status in the app it said that my claim had been denied. Then 2 days later they canceled my card without even telling me!! I didn't find out till I went to make a purchase and the transaction was declined. I then called customer service and was told that that is their standard protocol that anytime a dispute is filed against a charge they automatically cancel the card. That is absolutely ridiculous! Especially when I wasn't even informed and it's going to take over a week for a new card to get to me and until then I have absolutely no access whatsoever to the money in my account!!! This is RIDICULOUS!!! I am so done! I am closing this account and going somewhere else.
On March 4, 2020 my personal debit card numbers were stolen. At approximately 11:12PM the first notification of many. I started receiving alerts that money was being taken out of my account. There were two places a liquor store and a gas station on the far south side of Chicago. I live in Cicero, IL roughly 18 miles from these 2 locations. Through the next few hours this person insisted and continued taking out money. Why Chime Bank didn't decide NOT to block these transactions I have no idea why? The bank usually had about $1,000 dollars as a daily withdrawal limit. The amount were from 100 to 200 each time. A total of $1,295.00. This money consisted of my direct deposit from my job and part of my taxes. This was just a few weeks before the pandemic. I let them know all this, and I made a police report. I have told them just about everything I possibly could. Attached is the complete set of paperwork I sent them. My dispute was denied the first time and then I disputed again with a police report denied. Total $1,295.00 that’s including the ATM fees. The worst part of all this is just a couple days ago they were trying again and they told me I couldn’t add that to my dispute since I had to get a new debit card mandatory. Which was a really pathetic reason. I don't know how a bank can be so selfish with everything that is happening in the world right to not hear people out. Fraud is real! I mad a police report since my first dispute was denied. I had never had to make a dispute for anything in my life. We all have dues. Chime Bank you went too far. To everyone considering Chime Bank this problem isn't worth anyone's time. I just wish CHIME BANK WOULD GIVE ME BACK MY STOLEN MONEY.
I TRUSTED THIS BANK FOR 2+ YEARS. KARMA GONNA GET EVERYONE IN THAT OFFICE THAT GAVE ME THE SAME RUN AROUND.
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!!
The same thang happen to me. I woke up the next day to pay my rent and my card kept declining. When I open up my account somebody went into my account and took 972.00 and sent it to somebody else.Now I am afraid that I wont get my money back because I see alot people saying they was deny. This is some shit.
I decided to trust Chime with some of my money 3 moths ago. The reason I gave them a chance, is to have a little chunk of money in my account before payday. So I pretty much used it once at a HSBC Bank to get some cash out. I'm very particular when it comes to ATM's, I make sure I check the card slot and the whole machine before I do anything doesn't matter the bank. Two months go by, I get a notification on my phone for a withdrawal while i'm sitting at my house. Someone cleared my whole card and left me on $0 in the middle of a pandemic, there goes my emergency stash. For someone to have my card info and pin when I only used the card once is very scary to me! Chime tells me to file a claim 3 days later because it needs to post on the account. I think that is total BS because ATM withdraws get out of your account right away. One month later and me calling every other day, they give me the usual run around due to COVID no one is in give it 24-48 hours, our investigation team that we cant reach out to doesn't answer. At this point I don't know what to do, but file for a lawsuit. The sad part is just by typing Chime lawsuit, thousands come out with the same exact issue. So take my word and RUN! YOUR MONEY IS NOT SAFE HERE!
I just can't believe this is happening! April 17, 2020 my chime notifications alerted me that ATM withdrawals were being made, 5 to be exact, total $987 from my spending account. I filed a dispute as soon as my anxiety allowed me to calm down to dial customer service, April 17th & submitted a Provisional credit application soon after. After several emails and phone calls with no update, today May 1st I was told that my claim was denied & I will not get my money back. I am to look out for an email from now till May 14th. This is absolutely unacceptable! My account was clearly hacked and the chime/Banpcorp bank investigation department is doing a horrible job at detecting fraud. Not only do I want my money, Someone needs to be held accountable. I reached out to an attorney with Consumer fraud legal services and I will be contacting the CEO of Chime and The Bancorp Bank, being that they own Chime. This is the absolute worst time during horrible pandemic that this could happen to me, to any of us. If anyone has legal advise or answers to getting this issue resolved asap please share information.
On April 27th both my husband's and my son's stimulus checks were sent to my chime account but they still have not posted either of them. I received an email on the 27th telling me that I had to send verifications to prove their identities along with a copy of my husband's 1040 showing both of our names on it for which I complied immediately and sent them the information. Even though this is the account that my son's monthly SSI benefits are direct deposited into every month and the only account that the Treasury Department has on file for him they still have not released the funds from his stimulus check. It says in Chime's terms and conditions that they do not hold direct deposits but apparently that is far from the truth. I have contacted the customer support department every day to see what is going on but every time I do I just get the same answer. To wait even longer. It's not fair that these payments were sent to people in the hopes of helping them get back on their feet only to be held from you and then be tortured even more knowing that the bank has it but won't give it to you. It's not fair and it doesn't make any sense. Seems illegal even.
I had once loved banking with Chime. Until a week ago when my account was hacked. I woke up to 7 text messages that someone was trying to get into my account. I logged into my account and seen that $1074 was taken out of my account and sent to another. I have been trying to get the matter handle. The dispute team keep telling me that I sent the wrong dispute form and that I will receive another one in my email. I still have yet to get the dispute form and I have until May 7th to file my claim. I am very disappointed with this bank and how they are poorly handling my case. I will never recommend this bank to any again. I even had my family member close their account. Seeing how I am not the only one that has had money stolen from them.
Believe me I will cut anyone who spoke negatively about chime until they dealt with me. Tell me why these people closed my account with no prior communication and with $5000 in it. I called customer service and the automated system said my account was closed and hung up on me. I emailed support and this is day 2 with no response. I don't know where my money is, I don't know why my account was closed. I don't know nothing. I am just confused I don't know who to talk to. My money is floating in a virtual bank. I think I got scammed.
I use to have chime bank. I ended up leaving them since they forced through an ATM transaction of $503.00 from my account. When this transaction occurred I had $99 in my account with a $25 over draft protection. The customer service team was extremely condescending and actually told me that they forced through the transaction at that time and to go ahead and report them to the BBB, FDIC and Bancorp. It has been 5 months and they still are refusing to get me my money.
I explained to them that I was in a different city and that I take public transportation to and from work.
My place of employment is also a bank and Chime REFUSED to get the security footage from them to prove that it was not me. I even have witnesses.
Whoever is daring enough to use chime- Don't. They treat their customers like crap!
Chime account was hacked on 4/20 for 3,198..00 and again on 4/21 for 925.63 they told me I would get my answer for the first one on 5/6 and the latter 5/9. I received an email today telling me no error occurred and I would not get my 3,198.00 back. I sent a Twitter message to both the CEO's of this be bank waiting to hear their responses. At a time like this it's terrible when something like this happens. I am not going to lay down and let them get away with this even if I have to seek legal counsel I am going to get my money back!!! What a bunch of DIRT BAGS!!! DO NOT BAMK WITH CHIME!!!
The only reason Chime Bank is not getting a 5-star review is because of the inability to deposit a paper check into my account. I received my state refund and instead of being directly deposited, a paper check was sent. I attempted to deposit it via the mobile app and was told that the issuer of remitted was not able to verify the details of the check. It's a state refund, what is there to verify? I was also told that I couldn't resubmit it into my Chime Spending Account, with no other explanation as to why. They make it really difficult to deposit paper checks into your account. If they would fix this issue, they would be an amazing bank and get 5 stars .
I just recently signed up with Chime a few weeks ago. I still have not received my debit card and based on some reviews I have read I decided to not switch over my direct deposit until I actually had my debit card in hand. And now after reading all these other negative reviews I will definitely not ever have my paycheck direct deposited into my chime account. I do not want my money stolen and gone forever! And it looks like I'm not even receiving my debit card anyway! Time to move on phew!!!
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
I made a chime account about a month ago and someone stole $1,300 directly from my account I filed a claim and waited on a response from chime and they denied my claim without explanation. A week later another $500 was stolen out of my account again I had filed another claim and still no response customer service is terrible and unreliable. When someone steals from your account chime does not take responsibility and you basically lose everything without a trace.
Everyone, it seems that Chime was hacked because i am seeing the same stories constantly and they so happen to fall within a 3 day period of April 1 - April 3. We are all filling out dispute forms, waiting 14 days to hear back only to then get denied and wait longer. This isnt a coincidence, this is legit and no one at Chime isn't even acknowledging or sending an email.
Something is not right. Everyone follow this link and lets get this rolling. Chime needs to answer for this.
I would rather wait and report them to the government. They cant hide behind their scripted answers.
Makes me sad that during a time like this we all have to deal with nonsense, but i hope we all find resolution and can move forward. God Bless and stay safe.
This "bank" has been the worst banking experience I have had in my life. From not being able to make deposits, access my account or get legitimate answers to questions, issues and even my balance. I question how this is a legitimate bank at all. My advice to anyone looking to open an account with Chime, DON'T. Save yourself the time, frustration and heartache by going to a real bank, one staffed with real people who can legitimately answer your questions as soon as you call. I have had plenty of horrible experiences with banks, but this, by far has been the absolute worst. And yes, after having an account with chime for over a year I finally closed my account, I only wish I had done it sooner.
I have opened an online banking account with Chime yesterday. I very carefully entered my address information in the fields correctly. Right after I finished application, Chime automaticaly selecting a different address to display in my account!
I could not change my address online because it says the account has to be active for 30 days first. I try to change the wrong address via the customer support tab in the Chime app. It asked me to upload a valid government issued photo I.D., front and back and a letter proof of my address. A day later, customer service ask me to upload picture of my Social Security card. 2 hours later they ask me to upload a Bank Statement.
I ask them to close my account and I report it to the police. This is a traumatic experience with CHIME. I bet Chime will freeze your account for no good reason without notice. Stay away from Chime!
I have a chime account, and I didn't receive my stimulus like the IRS website stated, I however did get an email from chime support asking me for my taxes, and identification, on the chime website it states that as soon as they receive funds, they put them in your account. I really wish chime would have let us know ahead of time what the process was, or if this happens then this happens, nope, I'm stuck waiting with no response, hard to talk and get in touch with them, I had to call and on the automated Service, say I was calling for something else, instead of stimulus info in order for them to answer. I'm stuck waiting and not knowing how much I received, I'm in limbo, and nervous about the whole situation. Is this normal, maybe I'm wrong.
Don’t use chime literally had a notification from a company called pole systems a couple of hours ago and yesterday a notification from wwadawdargref Wewedwe and another one days before that and I had to cancel that card but I can still see when somebody attempts to use my card and yet at that you’ll click on the notification and it leads you to no where it doesn’t even show up in your transactions.. Do not use Chime all your money will disappear!!!
Everyone seems to have their stimulus payments as of yesterday and today. Chime even chose 1,000 randoms to send it to, while the rest of us have to sit and wait longer. They got the same direct deposit transmission alert from the irs as everyone else. Not cool at all Chime. Smh
I get payed every week . April 1st was supposed to be my last check . So much has been going on with vivid-19 . I forgot I got payed April 1st I go to chimes bank account statements and see I received my deposit check but the balance remained the same. Has anyone ever experienced this if so please let me know. Chime is a scam.
My chime was added on fb pay and someone took $200 from me. I got up the next day on Friday April 3 & called chime to cancel my card on but they gave me 2 extra days to use it before they cancel it out completely. I was eligible for express shipping and I received my card on Tuesday April 7 I didn’t even wait a whole week. I am still waiting for my $200 to be replaced though I did dispute it and sent an email but I am also aware of the process and current status. Hopefully by the 17th like they informed me I should have my $200 back into my account.
This worse bank i have ever tied to work with my home was broken into around te same time as i got laid off due to the virus all i have done for the last 4 eeks is email call or send more information everyday.chime will not send me a replacement card with my last paycheck on it after ive done everything asked of me my family and myself are still at home where the governor has asked us to do to stop the speard of this virous and now we are out of groceries when chime refuses to send me a card with the cash on it to get by..they have no cares or worries about the American public worse company ever
Chime is a joke. You have to chat with a robot via messenger and they will deny direct deposits. They rejected my tax return because my husband was listed first on the return. I provided the requested documentation and still denied. I now have to wait 2-3 weeks for a paper check and i am behind on rent and bills due to covid 19. Bank anywhere else besides chime. use cash app or netspend. I will never back with chime again
I cashed a check with chime as I commonly do with the mobile deposit. I deposited on 4/4/20 and heard back on 4/7 the day I expected my deposit that they had denied my check. Mind you they accepted it when I first submitted it.
They gave me absolutely zero reason and just told me they wouldn’t cash it and I can cash it elsewhere but not with chime. The check was a work check and from chase bank and it’s a very reputable company who pays tons of other employees and they have no issues with this.
I've been with chime for over a year and everything was great till 1300.00 was stolen from my account this morning. I had to jump through hoops to file a dispute but after seeing the reviews about fraudulent charges on a lot of peoples accounts, I have no hope of having my money returned to me. I honestly do not think chime cares about its customers. So now my account is frozen and all my money is gone and I have to wait 45 days to probably be denied just like everyone else. I'm homeless and just lost my job due to covid-19. This is just awful.
I recently applied for the "Chime" card. What a joke. They don't tell you the process during the commercial just how great the card is. Well the application process should have been an inclination that it's for people with great credit. When they ask for your social security number source of income and date of birth, it's to run a credit check. Seriously? If your supposed to be a "debit" card it would be based on what a person have on the card not credit. What a joke!!!
What good is a direct deposit payment when I never get to use my money. When I called and asked they cancelled the first card(which I still haven't seen) and sent another one saying it's going to be another 2 weeks.
I recently sign up with chime thought it would be convenient for me to transfer n save funds but that is not the case with this bank. I made one transfer and come to find out there were two transfer funds made on my checking account thru my bank....i went to dispute the transaction that i didnt make the transfer funds but had a overdraft charge til the next day it was refunded. However next thing i know my chime account was closed without motice or any explanation to why they close my account but yet have my money. I email them 2x's no responce i call several times couldnt get thru n i even tried to log into my account which i wadnt able to bcuz its closed
I got an email from chime saying they no longer partner with me or somethin like that n my account is closed. Im very angry n disappointed with this bank n with so many bad reviews from other ppl this bank needs to be shutdown n out of buisness.
This is one of the worst companies... I am so moving from this bank (So called)..Do you know their name the bank for a reason, and we trust him with our hard earned money most of us are mothers parents. I’ve never been so frustrated with the bank before they are not able to send any documentation they’re not able to release any information what are you there for. All I need it was documentation that the amount was approved and speaking to the people It’s just like picking up the phone and calling China. No one knows what I’m speaking of and I can’t make out what they are saying why are we done like this. One of the worst and most stupidest companies ever!!!!!All of them are a waste of time in the facility should be closed being that you have to speak with a robot to get concerns and when you call no one still is able to offer customer service.
Obvious fraudulent activity on my account with duplicate charges 2hrs away from where I live. I used the card to buy gas and 30mins later a total of 5 back to back atm withdrawals from a location 2hrs away totaling 980$. The atm location only list the city and no address, and Chime finds this not to be fraudulent? And still has not refunded my money. Once it's gone they dont care.
Its takes DAYS to get any kind of response about missing money. Stories about my missing money changed everytime I finally ahold of someone. Have numerous emails sent with only a handful of responses, each with a different excuse. No one can seem to track my money at all and its been at CHIME for a week now!
4 other people at my job have chime... They ALL got paid today EXCEPT me . I called chime and they’re customer service is very dismissive. They have a prewritten response to tell you any time you have a direct deposit inquiry. “Chime does not hold your money, as soon as we receive it, we will release it to you. Your funds have to be approved and processed through the federal reserve, first.” Well that’s funny, because multiple people at my job received their money and i did not, so that statement is false. Then they say please check with your employer to assure they have your account number and routing number correct . I checked , double checked, and triple checked IT IS ALL CORRECT.... what is the issue CHIME? Then their response is “ok well just wait” WHY DID 4 OTHER EMPLOYEES WHO I WORK DIRECTLY SIDE BY SIDE WITH GET THEIR DEPOSIT BUT I DID NOT . It makes NO SENSE. I received my direct deposit email from my employer meaning that payroll was processed .. SO WHERE IS MY MONEY CHIME ?? terrible
My chime account was recently hacked and my money was stolen and there were also transactions I wasn't aware of regarding to my phone and personal information being stolen. I reported everything to chime that same day. I followed the instructions on the dispute form to report everything and mail it to them. I have even constantly sent them numerous emails about my claim and the next day I've got an email about my claim was dismissed and how they closed my investigation because they found " no error " in my claim.
My account was suddenly deleted, I got an email and a notification alerting me that I had $483.00 deposited into my account before I could reach an ATM my account was closed. I’m not sure if I did anything wrong but I don’t think it was me and it’s been weeks since I’ve encountered this still no check in the mail and just bs automated messages. Help please!
I had green dot and my direct deposit was always there Tuesday no matter what. Even if Monday was a holiday the money was in my account tuesday at 6am. I changed to chime and here it is Tuesday morning at 7 and still no money. Never should have changed.
When the card first came I was excited about the possibility of getting paid a couple days early. The first issue was the routing number printed on the paperwork that came in the mail with the card was wrong, so I ended up receiving a check from payroll. Now 2 paychecks later, and set up with the routing number shown in the app it is noon on the day that it showed up in every other account, still nothing in chime. Over it goodbye chime.
I have been with Chime since 2017 and has never been so happy with a bank! Chime actually treats you like a bank customer, allowing unlimited deposits, transfers from checking to saving, depositing checks via mobile phone, funds being available right away, overdraft and even paying you and your friends for referrals! They even stay on top of things when there are issues. I had a loan with a company and had the loan deposited to my Chime account, I paid the loan in full and after I paid the loan off, they were still deducting money from my account, every payday! I notified Chime of this and they gave me a provisional credit right away and did an investigation, after the investigation, they sent me an apology and let me know that they had my back!!!! If you are a Chime customer, did you know that you can also link your account to your Cash app? What other prepaid company allows this? To end this, if you don't want to deal with the hassle of all the fees that banks charge to hold your money and the madness of paying overdraft fees, and YOUR hard earned money being kept from you, you may want to consider Chime!! I HIGHLY RECOMMEND this company!!! ????????????
I will never recommend chime to anyone I know there are better places to bank with. They lie lie and lie some more. I have been getting everything switched out of chime to another account because I'm done being lied to by them so I won't recommend or continue using this bank myself. Sorry to anyone that has had to deal with the same bs
Wow! I've been reading all these other post about their experiences with banking with Chime and I'm so surprised by all the negative results.
I've only been with Chime a few months and before that I was with greendot and that was a terrible experience so I was excited to switch to Chime.
I get my direct deposit sometimes just hours later of my company submitting our payroll. And I've reached out to customer service many many times and never once have I had a bad experience. They've always been very friendly and helpful and thats something I definitely wasn't used to after being with greendot for so long. Im sorry so many other people have had some pretty horrible experiences with Chime, but I can honestly say I've enjoyed it so far and wish I would've switched sooner.
If you want terrible customer service call greendot and I promise you won't be disappointed.
THEY DO NOT PROTECT AGAINST FRAUDULENT CHARGES. Once you deposit, it is virtually IMPOSSIBLE to withdrawal. They will hold your funds for long periods of time. They randomly closed my coworkers account which had $5000 at least and held the funds for weeks. Their customer service is a joke filled with people that barely speak English. SAVE YOURSELVES.
When they experienced the outage, all of their customers suffered. People couldn’t access their account balances, people’s cards were denied even though they had plenty of funds, and much more. This went on for days will really not many details of the situation. I personally was unable to buy shoes because my card declined. I wasn’t able to get a hold of Chime because I think they had their phone lines off. It took chime almost a week to get things up and running. No one saw compensation for weeks until they sent an email out saying they were going to give $10 to every affected and unable to make a purchase and so on. I never received my $10 compensation even though there is proof my card was declined. They wouldn’t get back to my emails for days. And if I called I would end up talking to basically a robot that said I didn’t qualify for the compensation. BEWARE OF THIS BANK. Customer service was awful. This outage that happened could have happened to virtually any bank. But the very poor handling of it on Chimes end. And time feeling worthless to everyone I spoke to caused me to have to leave this bank.
No warn about why my account was closed. I got my friendly notifications this morning letting me know my balance. Around 6pm try to use my card and it was declined. Come to find out THEY CLOSED MY ACCOUNT. The customer care is a joke. And their 24hour support. Horrible.
So at 1st like many others there was no issue with Chime. I loved the early paychecks which mine was 1 day early but still it was nice. I have had them for a year now until things went really bad really fast. So last week I notice my direct deposit is not in my account. Come to find out Chime rejected my direct deposit because of my employer did not include my employee number at the end of my name on the check. Chime stated that this number was on my checks previously. My employer stated this should be no reason that your bank should decline the check. So I had to have my check mailed to me. So I call them up today and wanted to confirm that next week my check will go through okay. Long story short I received service reps who do not care nor show empathy, many long pauses of silences, I had to speak up many times to just see if they were still on the line. Supervisors are a joke and the final straw today was from the escalations department. Still telling me my name does not match because of the damn employee number. Just unreal. Stay away do not trust your money with this company.
I registered to get a Chime card and I got one after doing all the information and everything. After trying to activate the card they told me the account was closed. So I’m wondering why it’s closed and I just registered for the stupid card. You can’t call the customer service because they tell you your account is closed and they hang up. You can’t email them. They respond but don’t tell me why my account is closed, they only say the information cannot be disclosed. So I’m confused to say the least. I’ve never done business with these people so why am I having such a hard time. I hate these Chime people.
The Chime team let someone hack into my account, Steal $800.00, make multiple transactions to Door Dash, change my email address on file, log me out of my mobile banking, and locked me out of performing any functions. My account is now negative $42 dollars due to this negligence. No one asked the individuals who changed my email address to send over a valid drivers license to make sure they were who they said they were to update that information like they have did to me on numerous occasions. I know have to wait 10 business days to possibly receive my money back once again due to this unsecured banking system.
If you want a MASSIVE headache every month or two, choose Chime. OMFG they are so incompetent and their system is unbelievably lacking. I've had fraudulent transactions wipe out my entire account through normal use. When I call to get it fixed, it is an absolute nightmare, which a high chance that it will be all for nothing and no progress will be made. Depositing cash, which is still used in today's world, is a massive pain in the *$$. Nothing works.
Chime is possibly is the worst bank ever. Not only are you dealing with incompetent individuals you have the added bonus of dealing with a huge language barrier....if you don’t speak Spanish you’re screwed. Trying to communicate with chime is like pulling teeth. They use filler reply’s to put you at ease when in fact they have not clue how to address bank concerns like the lates date breech they call technical issues. Take your money and run otherwise your money will be stuck in a 30-60 day black hole they call banking process..... I say it’s the last ditch effort to generate interest on your money when you realize chime is a joke....with nothing to offer. This bank is good for people who can’t open a normal account. If you have issues posting a bad review it’s not you.
Signed up with Chime mid October switching from Amscot which you get paid 2 days early as well, today was suppose to be my first 2 day deposit with Chime......suppose to be......suppose to be. Well I have been with my employer for numerous years and know exactly when they do the payroll and like I said Amscot always had my deposit in my account anywhere from 1am-3am 2 days early, Chime claims to not hold your deposits and just releases when they receive it, hell who knows this may be a giant scam and I may never see my money.
I wish I could write about the functionality of this mobile bank however I never received my bank card. I think they might be a scam company. I lived in a house when I first opened the account in June of 2019. It is now October and they "attempted" to send me a card 3 times. In July I was living in a house and they claimed the card couldn't be delivered there. I moved in July to an apartment, requested a new card be sent to my new address, and they claimed, again, it could not be delivered there. Out of frustration, I had them try to send ANOTHER card to my previous address as my friend still lives there. And, you guessed it, they claim it couldn't be delivered. I double checked the addresses I entered each time and they are all correct.
Overall I thought Chime was great. It seemed consistent at first, but then on a couple different occasions I got my Direct Deposit later than when I'd usually get it. Then last week with the whole Chime system being down for a couple of days really threw me for a loop. Although they said ATM/Debit transactions were available, not all are created equal. The time the system went down was when I was supposed to be getting my Direct Deposit. Well I had no access to that. Couldn't pay bills, buy myself groceries, and best of all definitely couldn't order myself an uber. If this happened with any major bank, oh woah the fallout would be tremendous. Instead we get an email: sorry for the inconvenience, I know we've had a lot of complaints, rest assured we are working on it? My advice to you is, you want trust and access to your funds? Use a real bank, at least they are consistent. Yes there are more fees, but you don't have to worry about where your money may have went or why you don't have access to it. I loved Chime, but after these couple of strikes I definitely will be okay with waiting a few extra days to get my direct deposit with my usual bank.
Finally I guess chime bank said their online app works now. Yesterday I had $216 deposited into my account this morning when I woke up it said my account was -$222.44. I looked on recent transactions and there were three ATM withdraws that I did not do. So I called in to customer service and waited one hour and 11 minutes and 42 seconds to speak to somebody. Then once some once a customer service representative got on the phone I could I could barely hear them at all it kept fading in and out. So I explain to the customer service representative that I could barely hear them that we had like a bad connection and if there was any way they could call me back. The customer service representative said no there’s no way that they can call me back. So I will explain my situation to the customer service representative and she said hold on I’ll get back to you another 33 minutes and 22 seconds and passed and I was still on hold but finally someone came back. So I had to explain the whole situation to her again and to make a long story short she said their system is all messed up and that my $422 that was supposedly withdrawn from My account would be placed back on my account and 2 to 4 business days. Now my balance is reading -9 dollars. I am contacting the Better Business Bureau today to see what can be done. If anyone has any suggestions for me please let me know.
Several months ago I was referred to chime bank by friend. Chime bank advertised that if you refer a friend and they set up direct deposit at the both of you would receive a $50 bonus. I set up direct deposit and met all the requirements so that the both of us would receive the $50 bonus. A few weeks went by and my friend and I did not receive the $50 bonus. At that time I called into chime and spoke to a customer service representative. To make a long story short they played us and never gave either one of us the $50 bonus. I still was willing to give this company a chance so I continue to get my checks directly deposited. A few nights ago I got off work at 2:30 AM and tried to order in Uber Using my Chime card I was declined from the Uber. I had to stand outside in the cold and rain until 5:00 AM and had to catch a bus. Chime States that they were experiencing technical difficulties and that all direct deposits and purchases along with ATMs could be used. I truly believe that chime bank was hacked and they’re lying to us about it. Yesterday I had confirmation that my check was cleared from my employer and it still has not yet been posted by chime bank. I called in and was on able to speak to a customer service representative. They told me to send an email with my concerns and that would be answered in a timely manner. I sent in a dozen emails and haven’t gotten a response as of yet. I went ahead and filed a complaint against this company with the Better Business Bureau. I strongly suggest if anyone else out there is experiencing the same problems should also file complaints against this company With the Better Business Bureau. If I ever get my money I am withdrawing it all and closing down my John Bank account. I have a few friends and family and also use Chime and they’re closing their accounts down as well.
It has been days now that your system somehow hasn't been accessable. We have received your email responses claiming our funds are secure & nor to worry. How can anyone not take offense to your claim knowing you can't even resolve the issue? This is the reason most people don't trust the banking industry because you can't even communicate the truthfulness of why it has been days your system crashed. This is totally unacceptable banking relationship!
several years ago I had to have surgery to reconstruct my wrist which was completely shattered by the end of this experience I had lost my vehicle and ruined by credit recently I had to take a loan from a payday loan place now thanks to chime who systems went down and gave me no access to my money I am late on this loan 5 years of trying to rebuild my credit down the drain on top of this it is the worst customer service experience I have ever had take heed to my warning and don't consider chime I would do everything in my power to try to sink this company don't choose chime don't let this happen to you
Never received referral bonus. Everytime i try to check my account balance I am sent a verification code. What a hassle. Then today worldwide the chime online service is down and you can't use your chime card anywhere due to chime is having issues. I have never experienced this with any other bank. I wish i could give 0 stars!!
The worst experience of my life. My card was stolen and someone charged up a couple hundred dollars worth of gas I put in a dispute claim. Chime would not return my money as they said they did a full investigation. Investigation on what apparently they didn't send the people out to look at the gas station cameras to see that it wasn't me just filling up my tank with gas in a car that I don't have. Please I advise you this is not the place to let hold your money.
When it comes to unauthorized charges, chime will leave you stranded. I’ve had 3 charges of $74.00 come out of my account within the span of 15 min at a corner store, which completely drained all my money I had in that account at the time. I reach out to chime, first I get put through a bot, which is completely useless. Then I’m put on the phone with the stereotypical broken English speaking customer service rep. I’m told there’s nothing they can do until the charges are no longer pending. 3 days go by the charges finalized, so I request a dispute. One day later i get an email saying my dispute has been rejected. I go through the hot again and finally get ahold of someone so they could explain why. All I’m told is that “we don’t have access to that information” and to file a “rebuttle” which could take up to 45 days for a response 45 days. Any other bank could have had this settled with funds back in my account within 2 days. Utterly ridiculous what chime has going on. Definitely wont ever store money with them again. Terrible and useless customer service.
I opened a Chime account after seeing their convincing ad on TV. I really liked the idea of accessing direct deposit funds two days before payday (as they advertise), so I submitted their direct deposit form to my employer. Payday came, but no funds appeared in my Chime account. I immediately contacted my employer, who verified my Chime routing and account numbers, as well as the fact that my funds had been electronically transmitted. I then phoned Chime, and spoke to a customer service representative with a thick accent. I began by verifying my account and address information with him, and then requested his assistance to track down my funds. After verifying the information I gave him, he stated that Chime doesn’t have my funds, and suggested I wait until it (eventually) shows up. I asked to speak to a supervisor. The representative put me on hold for several minutes. He then returned to the phone with a little extra bass in his voice (same accent), and repeated what he’d told me earlier.
I’m missing an entire month’s pay, with no apparent recourse for recovering it. I very strongly suggest that you avoid Chime at all costs. If my initial experience with them is any indication, Chime is a train wreck waiting to happen.
I transfered money from my bank to my chime account ....9 BUSINESS days ago. I have talked, emailed pulled my hair out and still not even a straight answer just repeat if poorly scripted responses from customer support. Can someone ..anyone tell me where my money went? What's the deal seriously? Is this just a big scam? Get people to sign up provide what any 1of the 100s of prepaid credit cards out there provide just with slicker marketing then siphon off amounts from customers accounts with ploys like missing transfers, deposits, mystery company debits, and the old oh no some hacked your account ohhh but sorry fine print we don't reimburse for that :( There is something off here something doesn't add up. Reading reviews on multiple sites it's seems at least 3/4 of their customers have experienced some type of missing money from their account. I totally understand any system involving technology or humans is bound experience some glitches but that seems like a few to many glitches and the same type of glitch. If it was a issue with a program why hasn't it been addressed it's much more serious than sometimes the app crashes it's people's money the stuff they use to eat drink keep a roof over their heads.
1st they are not set up with Capital One, which means I can’t pay my car payment from Chime.
2nd they rejected a mobile check deposit that was filled out legibly and correctly
3rd upon trying to resolve the mobile check deposit, I found out you will NEVER get someone on the phone, only through chat in the app.
4th, you have to talk to their bot before it lets you chat with a person.
5th, finally got into the real person chat room. No response from the company, the bot, or the person.
Not worth putting your money into.
I left my wallet in the shopping cart at walmart. I notified Chime immediately. After viewing my online status I noticed the atm withdrawals three for a total of $265
I filed a disbute waited the ten days an was finally told the case was closed. Not in my favor.
I thought we were protected against such things like this. I filed a complaint with CFPB
I intend to close this acct. There is no protection.
My debit card number was stolen. I called to get a new card. Was told it would be 3-5 business days until it would arrive. It has been that long so called and they had said that I was told wrong and it wouldn't arrive until July 5th (10 business days) or at the latest July 10th (14 business days). They do not send cards out in that time length. After talking to three different customer service representatives, was told sorry but there is no way that you will have access to your money unless you have a Venmo account and card, we send you a check which takes 10 days, another checking account that can link with Chime, or a friend who also has Chime and will pull your money out from an atm if you send it to their account. I have none of these. They will not transfer to my PayPal, which I have a card for or help me in any way. After being on the phone with them for over 2 hours all they could say was "sorry we have no other options for you. We cannot help you in any way. You have no other options, but to wait for your card." That is three whole paychecks and I have bills to pay and children to feed and gas to get in my car, so I can make it to work. I got absolutely no help or sympathy from them at all other them acknowledging that I was screwed on getting my money.
Do not EVER use this card for a hotel! they say they will release the funds within 7 days but they don't and what they put you through to get the funds released is a nightmare! They refuse to do anything you have to have your hotel do a statement and email it to them A copy of the folio from the hotel showing is 0 balance won't do. stay away from this card and away from their awful customer service that have no one you can actually speak with you have to email and wait for hours and hours for responses it's ridiculous this is the worst card ever!!!!!
-You cannot export your transaction ledger as a spreadsheet. This is a basic feature every bank EXCEPT Chime will offer. They told me no at every turn. As a response, I filed a complaint with the Federal Reserve.
-You have to have a direct deposit to use half of their features. This is a no go for me because I'm self employed.
-Chime cannot connect with any web service that can pull in your banking history.
I signed up because I liked the "round up" option for microsavings.
However, I encountered the following problems:
1. "No fees" -- yet you have to search high and low and to find an ATM machine to actually get your money out otherwise they charge 2.50. Even if you take it into the bank and run it through as a charge, you are still charged 2.50.
2. 500 limit per day on getting cash out... they really want you to use the card for swipes -- I assume that is how they make their money.
3. Terrible customer service -- when I joined, they had no humans that you could interact with -- only "Chimebot" on the app.
4. Sketchy reputation among other banks -- because I set up a recurring transfer from another bank so that I could actually earn INTEREST on my savings (as opposed the 0.01 percent that Chime "pays"), the other bank flagged my account for fraud and froze it. I could not get ahold of a live human being to verify my account (see above about "Chimebot").
5. All deposits from another institution are held for 5 days regardless of how long you have been a customer.
I have now switched to Empower. It pays 2 percent cashback on debit card swipes. ALL ATMS are free. You get your direct deposit up to 2 days early like Chime. You get paid 2 percent interest for both checking and savings and it offers seamless integration and transfers with outside banks -- even my credit union. No 500 cash back limit on getting money out like Chime. Only downside is there is no website -- only an app.
Aspiration is also switching to a 2 percent cash back on debit card swipes and also pays 2 percent interest though their ATM network is more limited.
Customer Service was extremely rude. They also need to word properly about the Referal Bonus! Its not $200 deposited within 45 days of signing up! Its ONE transaction of $200! Very misleading and upset that i missed out on the Bonus i was waiting on! Customer service didnt care to fix this issue and when spoke to Supervisor he as well didnt care. Very misleading information. And for the fact now if i have $200 deposited in one transaction it will have been past the 45 days and will not honor it.
No silly fees ..fast direct deposits and excellent app ...Only downside is the ATM fees when you are traveling international..The app is one of the best designed app I have ever seen ...Much better than the one in bank of america ...Also it provides more insights into all the transactions ...I wish they had the option of depositing cash ..They are working on it but its still not available ..I also love the mobile deposit options on their app ...
When I first heard about chime I was really excited about them. I love online-only banks because they are really convenient for my mobile life. When I signed up using the app, I immediately had a huge issue. It wouldn't let me attach my card to the account. I tried to contact support, as I was unable to utilize my account, and they didn't reply to me for over two weeks. When they finally did reply they apologized but it left a bitter taste in my mouth and I decided to no longer use them.